Baker County, GA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 90 mortgage applications in Baker County, GA totaling $7.5 million, up 25% from 2007. The average application was for $83,000, and applicants reported an average income of $52,000. 29% of applications resulted in an originated loan and 51% were denied. The most active lender was Community First Bank, with 19 applications, followed by 21st Mortgage and Beneficial Company LLC.
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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 | 90 |
| Total Mortgage Loan Application Amount | $7,522,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $278,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $275,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Community First Bank 5525 US HIGHWAY 10 E ROSHOLT, WI 54482 |
* | $ 271,142,000 | 19 | $ 586,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 480,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 986,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 6 | $ 394,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 296,097,000 | 4 | $ 490,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 3 | $ 216,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 3 | $ 382,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 296,000 |
| Wells Fargo Fin'l Georgia, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 250,000 |
| Prime Home Mortgage, Inc. 1414 W. GRANADA BLVD., SUITE 4 ORMOND BEACH, FL 32174 |
* | $ 10,000,000 | 2 | $ 215,000 |
| Walter Mortgage Company 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 2 | $ 221,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 180,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 2 | $ 278,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 2 | $ 201,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 298,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 2 | $ 317,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 17,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 922,061,000 | 1 | $ 35,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 2,112,642,000 | 1 | $ 150,000 |
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ 121,959,000 | 1 | $ 20,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 1 | $ 95,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 1 | $ 3,000 |
| Talbot State Bank 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 88,187,000 | 1 | $ 29,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ 96,676,000 | 1 | $ 278,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 171,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 102,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 203,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 144,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 10,000 |
| Southern Highlands Mortgage, L 215 BLUE RIDGE ST. SUITE A BLAIRSVILLE, GA 30512 |
* | $ 10,000,000 | 1 | $ 120,000 |
The tables below break down 2008 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 2008
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 | 42 | $4,171,000 | $99,000 | $230,000 | $54,000 | $175,000 |
| Home Purchase | 26 | $2,467,000 | $94,000 | $278,000 | $56,000 | $275,000 |
| Home Improvement | 22 | $884,000 | $40,000 | $167,000 | $44,000 | $134,000 |
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 | 41 | $3,372,000 | $82,000 | $240,000 | $66,000 | $275,000 |
| Black or African American | 37 | $2,925,000 | $79,000 | $278,000 | $48,000 | $150,000 |
| Not Provided | 5 | $497,000 | $99,000 | $150,000 | $25,000 | $46,000 |
| Not applicable | 4 | $476,000 | $119,000 | $186,000 | $0 | $0 |
| Hispanic | 2 | $182,000 | $91,000 | $150,000 | $14,000 | $15,000 |
| American Indian or Alaskan Native | 1 | $70,000 | $70,000 | $70,000 | $60,000 | $60,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 77 | $5,899,000 | $76,000 | $278,000 | $55,000 | $275,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,251,000 | $113,000 | $203,000 | $35,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 2 | $372,000 | $186,000 | $186,000 | $56,000 | $112,000 |
| 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 | 46 | $3,598,000 | $78,000 | $230,000 | $41,000 | $100,000 |
| Loan Originated | 26 | $2,108,000 | $81,000 | $278,000 | $78,000 | $275,000 |
| Application Withdrawn By Applicant | 7 | $749,000 | $107,000 | $220,000 | $57,000 | $76,000 |
| Application Approved But Not Accepted | 4 | $151,000 | $37,000 | $75,000 | $42,000 | $72,000 |
| Loan Purchased By The Institution | 4 | $476,000 | $119,000 | $186,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $440,000 | $146,000 | $240,000 | $80,000 | $133,000 |
| 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 | 20 | $1,116,000 | $55,000 | $167,000 | $38,000 | $100,000 |
| Debt-To-Income Ratio | 2 | $267,000 | $133,000 | $150,000 | $27,000 | $40,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $92,000 | $92,000 | $92,000 | $63,000 | $63,000 |
| Other | 1 | $171,000 | $171,000 | $171,000 | $36,000 | $36,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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