Baker County, GA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 68 mortgage applications in Baker County, GA totaling $6.0 million, up 28% from 2018. The average application was for $87,000, and applicants reported an average income of $68,000. 37% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 20 applications, followed by First State Bank of Blakely and Triad Financial Services, 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 | 68 |
| Total Mortgage Loan Application Amount | $5,960,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $308,000 |
| 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 | 20 | $ 1,660,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 487,589,000 | 8 | $ 740,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 410,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 2 | $ 130,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 821,560,000 | 2 | $ 140,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 2 | $ 160,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 70,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 2 | $ 250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 220,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 230,000 |
| Mainstreet Community Bank of Florida 204 S. WOODLAND BLVD DELAND, FL 32720 |
* | $ 411,222,000 | 1 | $ 235,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 15,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 395,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 65,000 |
| Flint Community Bank 2910 MEREDYTH DRIVE, P.O. BOX 70878 ALBANY, GA 31721 |
* | $ 223,276,000 | 1 | $ 25,000 |
| Community First Bank 5525 US HIGHWAY 10 E ROSHOLT, WI 54482 |
* | $ 533,385,000 | 1 | $ 5,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 25,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 15,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 45,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 5,000 |
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ 168,196,000 | 1 | $ 35,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 55,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 11,357,345,000 | 1 | $ 85,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 8,305,036,000 | 1 | $ 75,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 1 | $ 145,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 165,000 |
| Synovus Mortgage Corp. 800 SHADES CREEK PARKWAY BIRMINGHAM, AL 35209 |
* | $ -1,000 | 1 | $ 165,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 1 | $ 105,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 85,000 |
The tables below break down 2019 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 2019
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 | 44 | $4,060,000 | $92,000 | $235,000 | $62,000 | $152,000 |
| Cash-out Refinancing | 10 | $1,170,000 | $117,000 | $395,000 | $82,000 | $195,000 |
| Refinancing | 8 | $530,000 | $66,000 | $175,000 | $83,000 | $308,000 |
| Home Improvement | 3 | $35,000 | $11,000 | $15,000 | $78,000 | $132,000 |
| Not Applicable | 3 | $165,000 | $55,000 | $85,000 | $0 | $0 |
| Other Purpose | 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 | 33 | $3,115,000 | $94,000 | $395,000 | $73,000 | $308,000 |
| Black or African American | 24 | $1,940,000 | $80,000 | $165,000 | $70,000 | $132,000 |
| Not applicable | 4 | $240,000 | $60,000 | $85,000 | $0 | $0 |
| Hispanic | 3 | $335,000 | $111,000 | $155,000 | $35,000 | $51,000 |
| Not Provided | 2 | $170,000 | $85,000 | $95,000 | $43,000 | $43,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $55,000 | $55,000 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $40,000 | $40,000 |
| 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) | 55 | $5,025,000 | $91,000 | $395,000 | $74,000 | $308,000 |
| FHA-insured (Federal Housing Administration) | 10 | $680,000 | $68,000 | $115,000 | $31,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 2 | $150,000 | $75,000 | $105,000 | $54,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $105,000 | $105,000 | $105,000 | $63,000 | $63,000 |
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 | 25 | $2,365,000 | $94,000 | $395,000 | $75,000 | $308,000 |
| Application Denied By Financial Institution | 22 | $1,700,000 | $77,000 | $145,000 | $67,000 | $132,000 |
| File Closed For Incompleteness | 9 | $635,000 | $70,000 | $125,000 | $40,000 | $114,000 |
| Application Withdrawn By Applicant | 5 | $695,000 | $139,000 | $235,000 | $79,000 | $152,000 |
| Loan Purchased By The Institution | 5 | $405,000 | $81,000 | $165,000 | $100,000 | $100,000 |
| Application Approved But Not Accepted | 2 | $160,000 | $80,000 | $95,000 | $78,000 | $81,000 |
| 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 | 36 | $3,290,000 | $91,000 | $395,000 | $58,000 | $195,000 |
| Debt-To-Income Ratio | 17 | $1,605,000 | $94,000 | $235,000 | $80,000 | $308,000 |
| Credit History | 11 | $875,000 | $79,000 | $145,000 | $76,000 | $132,000 |
| Other | 3 | $155,000 | $51,000 | $95,000 | $87,000 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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