Baker County, GA Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 56 mortgage applications in Baker County, GA totaling $4.1 million. The average application was for $72,000, and applicants reported an average income of $48,000. 34% of applications resulted in an originated loan and 45% were denied. The most active lender was Heritagebank of the South, with 7 applications, followed by Chase Manhattan Bank USA, NA and Dovenmuehle Funding, 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 | 56 |
| Total Mortgage Loan Application Amount | $4,055,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $192,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $213,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Heritagebank of the South P.O. BOX 50728 ALBANY, GA 31703 |
* | $ 305,283,000 | 7 | $ 562,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 4 | $ 114,000 |
| Dovenmuehle Funding, Inc 1 CORPORATE DRIVE SUITE 360 LAKE ZURICH, IL 60047 |
* | $ 10,000,000 | 3 | $ 352,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 115,148,694,000 | 3 | $ 103,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 68,000 |
| Colony Mortgage Corp 614 N. WESTOVER BLVD ALBANY, GA 31707 |
* | $ 10,000,000 | 2 | $ 161,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 2 | $ 28,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 2 | $ 70,000 |
| Transland Financial Services 2701 MAITLAND CENTER PARKWAY, STE 300 MAITLAND, FL 32751 |
* | $ 10,000,000 | 2 | $ 143,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 2 | $ 227,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 33,756,573,000 | 1 | $ 68,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 1 | $ 6,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Champion Enterprise 10801 MASTIN DRIVE OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 1 | $ 32,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 1 | $ 110,000 |
| Agsouth Farm Credit, Aca P O BOX 718 STATESBORO, GA 30459 |
* | $ 10,000,000 | 1 | $ 166,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 1 | $ 192,000 |
| Crescent Bank & Trust P.O. BOX 2020 JASPER, GA 30143 |
* | $ 341,607,000 | 1 | $ 63,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 1 | $ 122,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 84,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 174,660,000 | 1 | $ 4,000 |
| Flag Bank 3475 PIEDMONT ROAD, NE SUITE 550 ATLANTA, GA 30305 |
* | $ 631,879,000 | 1 | $ 19,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 1 | $ 100,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 1 | $ 150,000 |
| Wells Fargo Fin'l Georgia, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,177,470,000 | 1 | $ 34,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 1 | $ 117,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 78,000 |
| The Cit Group/Sales Financing, 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,090,407,000 | 1 | $ 43,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 1 | $ 156,000 |
| Liberty Mortgage Corporation 2713 FOREST HILLS RD WILSON, NC 27893 |
* | $ 43,553,752,000 | 1 | $ 148,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 113,902,000 | 1 | $ 10,000 |
| South Trust Bank 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 1 | $ 34,000 |
The tables below break down 2003 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 2003
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 (home purchase or home improvement, one-to-four family) | 34 | $3,130,000 | $92,000 | $192,000 | $54,000 | $167,000 |
| Home Purchase (one-to-four family) | 18 | $840,000 | $46,000 | $140,000 | $27,000 | $82,000 |
| Home Improvement (one-to-four family) | 4 | $85,000 | $21,000 | $66,000 | $80,000 | $213,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 30 | $2,575,000 | $85,000 | $192,000 | $57,000 | $160,000 |
| Information not provided by applicant in mail or telephone application | 12 | $672,000 | $56,000 | $122,000 | $31,000 | $92,000 |
| Black | 11 | $539,000 | $49,000 | $117,000 | $39,000 | $167,000 |
| Not applicable | 2 | $203,000 | $101,000 | $150,000 | $0 | $0 |
| Asian or Pacific Islander | 1 | $66,000 | $66,000 | $66,000 | $213,000 | $213,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 51 | $3,721,000 | $72,000 | $192,000 | $51,000 | $213,000 |
| FHA-insured (Federal Housing Administration) | 4 | $262,000 | $65,000 | $76,000 | $24,000 | $52,000 |
| VA-guaranteed (Veterans Administration) | 1 | $72,000 | $72,000 | $72,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 25 | $1,516,000 | $60,000 | $166,000 | $37,000 | $160,000 |
| Loan Originated | 19 | $1,458,000 | $76,000 | $176,000 | $59,000 | $167,000 |
| Loan Purchased By The Institution | 4 | $505,000 | $126,000 | $192,000 | $24,000 | $53,000 |
| Application Withdrawn By Applicant | 4 | $348,000 | $87,000 | $141,000 | $64,000 | $92,000 |
| Application Approved But Not Accepted | 4 | $228,000 | $57,000 | $84,000 | $87,000 | $213,000 |
| File Closed For Incompleteness | 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 | 8 | $477,000 | $59,000 | $140,000 | $43,000 | $160,000 |
| Debt-To-Income Ratio | 3 | $178,000 | $59,000 | $148,000 | $29,000 | $45,000 |
| Collateral | 3 | $244,000 | $81,000 | $166,000 | $59,000 | $102,000 |
| Other | 3 | $150,000 | $50,000 | $122,000 | $18,000 | $24,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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