Baker County, GA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 45 mortgage applications in Baker County, GA totaling $6.3 million, down 10% from 2024. The average application was for $139,000, and applicants reported an average income of $77,000. 31% of applications resulted in an originated loan and 27% were denied. The most active lender was 21st Mortgage, with 5 applications, followed by Vanderbilt Mortgage and Finance, Inc and First State Bank of Blakely.
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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 | 45 |
| Total Mortgage Loan Application Amount | $6,285,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $420,000 |
| 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 |
* | $ n/a | 5 | $ 735,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 480,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ n/a | 4 | $ 250,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 705,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 485,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 50,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 170,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 205,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 165,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 1 | $ 135,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 85,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 335,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 145,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 295,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 1 | $ 15,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 355,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ n/a | 1 | $ 155,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ n/a | 1 | $ 85,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 35,000 |
| Five Star Credit Union 411 N FOSTER ST DOTHAN, AL 36302 |
* | $ n/a | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 115,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 105,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 185,000 |
The tables below break down 2025 mortgage applications in Baker County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Baker County, GA in 2025
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 18 | $2,430,000 | $135,000 | $205,000 | $60,000 | $108,000 |
| Cash-out Refinancing | 8 | $1,830,000 | $228,000 | $365,000 | $64,000 | $119,000 |
| Refinancing | 7 | $1,085,000 | $155,000 | $335,000 | $163,000 | $420,000 |
| Home Improvement | 6 | $570,000 | $95,000 | $155,000 | $95,000 | $114,000 |
| Other Purpose | 5 | $245,000 | $49,000 | $85,000 | $73,000 | $103,000 |
| Not Applicable | 1 | $125,000 | $125,000 | $125,000 | $38,000 | $38,000 |
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 | 19 | $3,235,000 | $170,000 | $365,000 | $90,000 | $420,000 |
| Black or African American | 16 | $1,780,000 | $111,000 | $305,000 | $58,000 | $114,000 |
| Not Provided | 5 | $615,000 | $123,000 | $235,000 | $67,000 | $84,000 |
| Not applicable | 3 | $485,000 | $161,000 | $185,000 | $119,000 | $119,000 |
| Hispanic | 2 | $170,000 | $85,000 | $85,000 | $100,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 27 | $2,925,000 | $108,000 | $335,000 | $90,000 | $420,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,440,000 | $144,000 | $295,000 | $44,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,590,000 | $265,000 | $365,000 | $73,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $330,000 | $165,000 | $165,000 | $50,000 | $50,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 14 | $1,750,000 | $125,000 | $365,000 | $100,000 | $420,000 |
| Application Denied By Financial Institution | 12 | $1,240,000 | $103,000 | $205,000 | $58,000 | $110,000 |
| File Closed For Incompleteness | 6 | $990,000 | $165,000 | $295,000 | $51,000 | $89,000 |
| Application Approved But Not Accepted | 5 | $575,000 | $115,000 | $165,000 | $73,000 | $100,000 |
| Application Withdrawn By Applicant | 5 | $1,245,000 | $249,000 | $355,000 | $88,000 | $150,000 |
| Loan Purchased By The Institution | 3 | $485,000 | $161,000 | $185,000 | $119,000 | $119,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 29 | $4,795,000 | $165,000 | $365,000 | $71,000 | $150,000 |
| Debt-To-Income Ratio | 7 | $435,000 | $62,000 | $135,000 | $114,000 | $420,000 |
| Credit History | 5 | $675,000 | $135,000 | $205,000 | $53,000 | $85,000 |
| Credit Application Incomplete | 2 | $190,000 | $95,000 | $155,000 | $95,000 | $110,000 |
| Collateral | 1 | $25,000 | $25,000 | $25,000 | $61,000 | $61,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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