In 2011, lenders reported 454 mortgage applications in Appling County, GA totaling $44.0 million, up 15% from 2010. The average application was for $96,000, and applicants reported an average income of $59,000. 32% of applications resulted in an originated loan and 36% were denied. The most active lender was 21st Mortgage, with 81 applications, followed by Wells Fargo Bank NA and Suntrust Mortgage, Inc..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 454 |
| Total Mortgage Loan Application Amount | $43,950,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $348,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $1,467,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 81 | $ 3,852,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 36 | $ 5,064,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 33 | $ 3,976,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 27 | $ 3,589,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ 10,000,000 | 23 | $ 2,939,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 19 | $ 1,676,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 19 | $ 950,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 165,800,581,000 | 18 | $ 241,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 17 | $ 2,387,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 16 | $ 1,038,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 15 | $ 1,842,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 14 | $ 1,357,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 10 | $ 1,103,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 727,307,000 | 8 | $ 186,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 7 | $ 888,000 |
| South Georgia Bank 401 S. VETERANS BLVD. GLENNVILLE, GA 30427 |
* | $ 138,028,000 | 6 | $ 212,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 143,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 5 | $ 704,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 985,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 4 | $ 396,000 |
| Primesouth Bank P O BOX 189 BLACKSHEAR, GA 31516 |
* | $ 421,599,000 | 4 | $ 296,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 549,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 3 | $ 441,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 406,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 215,000 |
| Southeastern Bank 1010 NORTH WAY, POST OFFICE BOX 455 DARIEN, GA 31305 |
* | $ 426,754,000 | 3 | $ 31,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 1,374,634,000 | 2 | $ 215,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 164,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 46,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 2 | $ 181,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 2 | $ 529,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 933,501,000 | 2 | $ 308,000 |
| The Heritage Bank 300 S MAIN ST HINESVILLE, GA 31313 |
* | $ 959,901,000 | 2 | $ 27,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 2 | $ 456,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 2 | $ 284,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 279,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 240,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 217,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 350,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 2 | $ 249,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ 10,000,000 | 2 | $ 298,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 212,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 159,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 171,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 110,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 104,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 80,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 268,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 53,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 150,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 94,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ 40,000,000 | 1 | $ 274,000 |
| Silverton Mortgage Specialists, Inc. 1201 PEACHTREE STREET NE STE 2050 ATLANTA, GA 30361 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 126,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 193,110,000 | 1 | $ 274,000 |
| Atlantic Coast Bank 505 HAINES AVE WAYCROSS, GA 31501 |
* | $ 828,612,000 | 1 | $ 53,000 |
| Primesouth Mortgage 375 WEST CHERRY ST JESUP, GA 31545 |
* | $ 426,176,000 | 1 | $ 100,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 195,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 103,000 |
| Powerco Federal Credit Union 241 RALPH MCGILL BLVD. NE ATLANTA, GA 30308 |
* | $ 170,055,000 | 1 | $ 50,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 1 | $ 82,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 1,939,474,000 | 1 | $ 184,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 636,542,000 | 1 | $ 23,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 1 | $ 38,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,426,039,000 | 1 | $ 27,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 495,223,000 | 1 | $ 55,000 |
The tables below break down 2011 mortgage applications in Appling County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 211 | $25,680,000 | $121,000 | $348,000 | $71,000 | $1,467,000 |
| Home Purchase | 210 | $16,870,000 | $80,000 | $276,000 | $48,000 | $158,000 |
| Home Improvement | 33 | $1,400,000 | $42,000 | $252,000 | $56,000 | $350,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 331 | $33,307,000 | $100,000 | $348,000 | $64,000 | $1,467,000 |
| Not Provided | 55 | $4,466,000 | $81,000 | $233,000 | $47,000 | $246,000 |
| Black or African American | 43 | $2,757,000 | $64,000 | $268,000 | $34,000 | $124,000 |
| Not applicable | 12 | $2,008,000 | $167,000 | $274,000 | $35,000 | $124,000 |
| Hispanic | 6 | $783,000 | $130,000 | $227,000 | $106,000 | $210,000 |
| Asian | 4 | $209,000 | $52,000 | $80,000 | $56,000 | $66,000 |
| American Indian or Alaskan Native | 3 | $420,000 | $140,000 | $229,000 | $97,000 | $178,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 328 | $26,831,000 | $81,000 | $348,000 | $60,000 | $1,467,000 |
| FHA-insured (Federal Housing Administration) | 100 | $13,264,000 | $132,000 | $274,000 | $59,000 | $350,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,836,000 | $166,000 | $276,000 | $64,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,019,000 | $113,000 | $170,000 | $39,000 | $59,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 165 | $11,346,000 | $68,000 | $272,000 | $43,000 | $350,000 |
| Loan Originated | 144 | $15,451,000 | $107,000 | $348,000 | $78,000 | $1,467,000 |
| Loan Purchased By The Institution | 48 | $7,161,000 | $149,000 | $274,000 | $62,000 | $158,000 |
| Application Withdrawn By Applicant | 47 | $5,642,000 | $120,000 | $246,000 | $63,000 | $178,000 |
| Application Approved But Not Accepted | 30 | $2,057,000 | $68,000 | $227,000 | $47,000 | $178,000 |
| File Closed For Incompleteness | 20 | $2,293,000 | $114,000 | $315,000 | $67,000 | $210,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 89 | $5,028,000 | $56,000 | $258,000 | $38,000 | $101,000 |
| Debt-To-Income Ratio | 23 | $1,750,000 | $76,000 | $251,000 | $38,000 | $86,000 |
| Collateral | 17 | $1,785,000 | $105,000 | $237,000 | $78,000 | $350,000 |
| Credit Application Incomplete | 3 | $226,000 | $75,000 | $77,000 | $0 | $0 |
| Other | 3 | $422,000 | $140,000 | $188,000 | $51,000 | $70,000 |
| Unverifiable Information | 3 | $223,000 | $74,000 | $105,000 | $34,000 | $40,000 |
| Employment History | 1 | $64,000 | $64,000 | $64,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $82,000 | $82,000 | $82,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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