Baker County, GA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 53 mortgage applications in Baker County, GA totaling $3.6 million, down 12% from 2017. The average application was for $68,000, and applicants reported an average income of $57,000. 45% of applications resulted in an originated loan and 38% were denied. The most active lender was 21st Mortgage, with 12 applications, followed by First State Bank of Blakely and Vanderbilt Mortgage and Finance, 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 | 53 |
| Total Mortgage Loan Application Amount | $3,605,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $185,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $153,000 |
| 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 |
* | $ -1,000 | 12 | $ 890,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 467,077,000 | 7 | $ 195,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 275,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 4 | $ 250,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 7,826,243,000 | 4 | $ 450,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 225,000 |
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ 159,576,000 | 2 | $ 70,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 9,805,580,000 | 2 | $ 60,000 |
| Orion Federal Credit Union 7845 HIGHWAY 64 MEMPHIS, TN 38103 |
* | $ 715,160,000 | 1 | $ 85,000 |
| Community First Bank 5525 US HIGHWAY 10 E ROSHOLT, WI 54482 |
* | $ 488,345,000 | 1 | $ 45,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 135,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 105,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 35,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 722,208,000 | 1 | $ 55,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 35,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 55,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 165,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 175,000 |
| Pinnacle Bank 884 ELBERT STREET ELBERTON, GA 30635 |
* | $ 876,891,000 | 1 | $ 95,000 |
The tables below break down 2018 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 2018
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 | 28 | $2,060,000 | $73,000 | $165,000 | $51,000 | $153,000 |
| Refinancing | 14 | $840,000 | $60,000 | $185,000 | $61,000 | $139,000 |
| Other Purpose | 4 | $230,000 | $57,000 | $105,000 | $68,000 | $115,000 |
| Cash-out Refinancing | 4 | $350,000 | $87,000 | $175,000 | $51,000 | $80,000 |
| Home Improvement | 2 | $70,000 | $35,000 | $35,000 | $92,000 | $110,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $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 | 31 | $2,325,000 | $75,000 | $185,000 | $56,000 | $121,000 |
| Black or African American | 17 | $945,000 | $55,000 | $145,000 | $48,000 | $139,000 |
| Not applicable | 3 | $205,000 | $68,000 | $95,000 | $0 | $0 |
| Not Provided | 1 | $65,000 | $65,000 | $65,000 | $114,000 | $114,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $153,000 | $153,000 |
| Asian | 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 |
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) | 46 | $3,080,000 | $66,000 | $185,000 | $57,000 | $153,000 |
| FHA-insured (Federal Housing Administration) | 4 | $200,000 | $50,000 | $55,000 | $32,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 3 | $325,000 | $108,000 | $135,000 | $82,000 | $120,000 |
| 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 | 24 | $1,530,000 | $63,000 | $185,000 | $59,000 | $139,000 |
| Application Denied By Financial Institution | 20 | $1,480,000 | $74,000 | $185,000 | $54,000 | $153,000 |
| File Closed For Incompleteness | 4 | $230,000 | $57,000 | $85,000 | $45,000 | $73,000 |
| Loan Purchased By The Institution | 3 | $205,000 | $68,000 | $95,000 | $0 | $0 |
| Application Withdrawn By Applicant | 2 | $160,000 | $80,000 | $85,000 | $70,000 | $103,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 23 | $1,715,000 | $74,000 | $185,000 | $63,000 | $139,000 |
| Credit History | 13 | $855,000 | $65,000 | $165,000 | $54,000 | $153,000 |
| Debt-To-Income Ratio | 13 | $775,000 | $59,000 | $185,000 | $48,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $180,000 | $90,000 | $145,000 | $76,000 | $119,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $33,000 | $33,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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