Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Lowndes County, Georgia
Every institution that decided a 1–4 unit mortgage application in Lowndes County, home to Valdosta, between 2023 and 2025: 9,256 applications, 6,930 loans actually funded, across 8 kinds of borrowing.
Lowndes County at a glance
9,256Applications decided
2023–2025
6,930Loans funded
75% of decisions
29Census tracts
7 ZIP codes
119,055People
ACS 2023
What the data shows
Lenders approved 80.9% of home-purchase applications in Lowndes County, 6.2 points below the Georgia rate.
The typical purchase mortgage here is $235K.
Home improvement loans is the hardest money to get here: lenders approved 48% of 579 applications.
Lending by loan type in Lowndes County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 80.9% | 5,052 | $235K | 97% | 277 |
| Home improvement loans | 47.5% | 579 | $55K | 91% | 63 |
| Cash-out refinance | 63.5% | 1,155 | $145K | 94% | 110 |
| Refinance | 83.5% | 1,094 | $205K | 90% | 111 |
| Investment property purchase | 92.8% | 705 | $125K | 99% | 101 |
| Investment cash-out refinance | 77.8% | 135 | $105K | 98% | 39 |
| Investment refinance | 94.2% | 469 | $95K | 98% | 41 |
| Investment home improvement | 55.2% | 67 | $35K | 95% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.