Baker County, GA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 46 mortgage applications in Baker County, GA totaling $3.4 million, down 29% from 2009. The average application was for $74,000, and applicants reported an average income of $48,000. 46% of applications resulted in an originated loan and 30% were denied. The most active lender was Community First Bank, with 9 applications, followed by First State Bank of Blakely and Wells Fargo Bank, NA.
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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 | 46 |
| Total Mortgage Loan Application Amount | $3,423,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $281,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $210,000 |
| 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 |
* | $ 290,230,000 | 9 | $ 156,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 292,585,000 | 5 | $ 340,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 4 | $ 465,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 127,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 3 | $ 80,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 2 | $ 96,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 386,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 568,766,000 | 2 | $ 185,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 386,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 120,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 1,000 |
| Onesouth Bank 12347 COLUMBIA ST BLAKELY, GA 32428 |
* | $ 83,212,000 | 1 | $ 29,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 280,000 |
| High Trust Bank 280 COUNTRY CLUB DR, SUITE 100 STOCKBRIDGE, GA 30281 |
* | $ 208,423,000 | 1 | $ 8,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 2,422,345,000 | 1 | $ 5,000 |
| Ab&T National Bank 2815 MEREDYTH DRIVE ALBANY, GA 31707 |
* | $ 156,780,000 | 1 | $ 63,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 7,202,014,000 | 1 | $ 4,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ 102,555,000 | 1 | $ 37,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 1 | $ 10,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 281,000 |
The tables below break down 2010 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 2010
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 | 24 | $2,588,000 | $107,000 | $281,000 | $62,000 | $210,000 |
| Home Improvement | 15 | $485,000 | $32,000 | $143,000 | $34,000 | $100,000 |
| Home Purchase | 7 | $350,000 | $50,000 | $110,000 | $32,000 | $71,000 |
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 | 27 | $1,732,000 | $64,000 | $218,000 | $43,000 | $210,000 |
| Black or African American | 17 | $1,505,000 | $88,000 | $281,000 | $55,000 | $130,000 |
| Not Provided | 1 | $76,000 | $76,000 | $76,000 | $71,000 | $71,000 |
| Asian | 1 | $110,000 | $110,000 | $110,000 | $55,000 | $55,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 36 | $2,415,000 | $67,000 | $281,000 | $43,000 | $210,000 |
| FHA-insured (Federal Housing Administration) | 5 | $364,000 | $72,000 | $143,000 | $46,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 5 | $644,000 | $128,000 | $218,000 | $88,000 | $151,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 21 | $1,522,000 | $72,000 | $281,000 | $51,000 | $210,000 |
| Application Denied By Financial Institution | 14 | $797,000 | $56,000 | $280,000 | $38,000 | $130,000 |
| Application Withdrawn By Applicant | 6 | $500,000 | $83,000 | $143,000 | $47,000 | $72,000 |
| Loan Purchased By The Institution | 3 | $462,000 | $154,000 | $218,000 | $86,000 | $151,000 |
| Application Approved But Not Accepted | 2 | $142,000 | $71,000 | $115,000 | $34,000 | $54,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7 | $148,000 | $21,000 | $99,000 | $23,000 | $67,000 |
| Debt-To-Income Ratio | 3 | $50,000 | $16,000 | $44,000 | $33,000 | $60,000 |
| Collateral | 1 | $276,000 | $276,000 | $276,000 | $119,000 | $119,000 |
| Credit Application Incomplete | 1 | $280,000 | $280,000 | $280,000 | $130,000 | $130,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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