Berrien County, GA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 765 mortgage applications in Berrien County, GA totaling $120.2 million, up 10% from 2024. The average application was for $157,000, and applicants reported an average income of $181,000. 43% of applications resulted in an originated loan and 25% were denied. The most active lender was 21st Mortgage, with 91 applications, followed by Farmers and Merchants Bank and Mortgage Research Center.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 765
Total Mortgage Loan Application Amount $120,215,000
Average Mortgage Loan Application Amount $157,000
Highest Mortgage Loan Application Amount $905,000
Average Applicant Income $181,000
Highest Applicant Income $9,047,000

Mortgage Company List for Lending in Berrien County, GA for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
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
* $ n/a 91 $ 13,495,000
Farmers and Merchants Bank
4 NORTH CARTER STREET, PO BOX 187
LAKELAND, GA 31635
* $ n/a 75 $ 6,605,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 44 $ 9,690,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 31 $ 3,995,000
First Commerce Credit Union
107 E COLLEGE AVE
TALLAHASSEE, FL 32317
* $ n/a 29 $ 2,445,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 28 $ 6,840,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 23 $ 2,925,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 23 $ 4,295,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 20 $ 3,310,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 19 $ 4,225,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 16 $ 3,620,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 14 $ 2,940,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 14 $ 2,270,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ n/a 13 $ 1,675,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 13 $ 1,665,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 10 $ 1,980,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 9 $ 1,515,000
Banksouth Mortgage Company LLC
6340 LAKE OCONEE PARKWAY SUITE 202
GREENSBORO, GA 30642
* $ n/a 8 $ 1,730,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 8 $ 1,920,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 8 $ 1,530,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 8 $ 1,360,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 7 $ 1,205,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 7 $ 1,105,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 7 $ 695,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 7 $ 855,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ n/a 7 $ 565,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 6 $ 610,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 6 $ 1,090,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 6 $ 480,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 6 $ 500,000
Southeastern Credit Union
PO BOX 2067 VALDOSTA, GA 31604
VALDOSTA, GA 31602
* $ n/a 6 $ 620,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 5 $ 675,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 5 $ 455,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 5 $ 965,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 5 $ 775,000
Genway Home Mortgage, Inc.
3211 INTERNET BOULEVARD, SUITE 300
FRISCO, TX 75034
* $ n/a 4 $ 240,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 4 $ 670,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 4 $ 840,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 4 $ 870,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 4 $ 570,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 1,240,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 420,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 4 $ 350,000
Five Star Credit Union
411 N FOSTER ST
DOTHAN, AL 36302
* $ n/a 4 $ 600,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 675,000
First Federal S&L Association
PO BOX 888
VALDOSTA, GA 31603
* $ n/a 3 $ 625,000
Guardian Bank
701 WILDWOOD PLANTATION DR.
VALDOSTA, GA 31604
* $ n/a 3 $ 255,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ n/a 3 $ 205,000
Colony Bank
302 SOUTH MAIN ST.
FITZGERALD, GA 31750
* $ n/a 3 $ 335,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 3 $ 45,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 2 $ 490,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 2 $ 870,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 480,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 350,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 230,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ n/a 2 $ 130,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 2 $ 400,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 510,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 500,000
Citizens Community Bank
120 W. MAIN STREET
HAHIRA, GA 31632
* $ n/a 2 $ 90,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 2 $ 400,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 2 $ 90,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 450,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 2 $ 320,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 280,000
South Georgia Banking Company
2005 TIFT AVE N
TIFTON, GA 31794
* $ n/a 2 $ 160,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 260,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 2 $ 460,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 80,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 600,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 105,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 85,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 105,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 1 $ 55,000
Residential Wholesale Mortgage
11234 EL CAMINO REAL #100
SAN DIEGO, CA 92130
* $ n/a 1 $ 175,000
Loansteady LLC
8401 GREENSBORO DRIVE SUITE 950
MCCLEAN, VA 22102
* $ n/a 1 $ 225,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 155,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 165,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 265,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 185,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 1 $ 55,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 1 $ 195,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 1 $ 205,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 145,000
First National Bank of Coffee County
420 S MADISON AVE
DOUGLAS, GA 31533
* $ n/a 1 $ 45,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 365,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 285,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 255,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ n/a 1 $ 245,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 175,000
Acu
P.O. BOX 923028
PEACHTREE CORNERS, GA 30092
* $ n/a 1 $ 255,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 175,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 245,000
Aggeorgia Farm Credit
468 PERRY PKWY
PERRY, GA 31069
* $ n/a 1 $ 155,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 175,000
Loanpeople, LLC
3420 EXECUTIVE CENTER DR #G100
AUSTIN, TX 78731
* $ n/a 1 $ 255,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 35,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 245,000
City National Bank of Florida
25 WEST FLAGLER STREET
MIAMI, FL 33131
* $ n/a 1 $ 115,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ n/a 1 $ 15,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 45,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ n/a 1 $ 235,000
Commercial Banking Company
3462 NORTH VALDOSTA ROAD
VALDOSTA, GA 31602
* $ n/a 1 $ 85,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 1 $ 295,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 325,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 245,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 155,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 255,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 65,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 155,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 185,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 65,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 75,000

The tables below break down 2025 mortgage applications in Berrien 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 Berrien County, GA in 2025

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 464 $79,050,000 $170,000 $905,000 $182,000 $8,147,000
Refinancing 129 $20,195,000 $156,000 $615,000 $184,000 $5,833,000
Cash-out Refinancing 93 $15,505,000 $166,000 $485,000 $247,000 $9,047,000
Other Purpose 36 $2,600,000 $72,000 $255,000 $108,000 $678,000
Home Improvement 33 $2,265,000 $68,000 $205,000 $98,000 $332,000
Not Applicable 10 $600,000 $60,000 $155,000 $80,000 $130,000

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 471 $68,745,000 $145,000 $905,000 $216,000 $9,047,000
Not Provided 81 $13,215,000 $163,000 $545,000 $86,000 $683,000
Not applicable 79 $14,815,000 $187,000 $595,000 $88,000 $110,000
Black or African American 78 $11,990,000 $153,000 $355,000 $65,000 $212,000
Hispanic 46 $9,160,000 $199,000 $415,000 $190,000 $4,761,000
American Indian or Alaskan Native 5 $805,000 $161,000 $245,000 $164,000 $580,000
Asian 5 $1,485,000 $297,000 $575,000 $145,000 $230,000
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) 454 $55,280,000 $121,000 $905,000 $115,000 $5,833,000
VA-guaranteed (Veterans Administration) 154 $36,630,000 $237,000 $615,000 $209,000 $7,698,000
FHA-insured (Federal Housing Administration) 147 $26,725,000 $181,000 $445,000 $401,000 $9,047,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $1,580,000 $158,000 $225,000 $71,000 $102,000

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 328 $51,480,000 $156,000 $545,000 $237,000 $9,047,000
Application Denied By Financial Institution 188 $26,890,000 $143,000 $905,000 $129,000 $5,833,000
Application Withdrawn By Applicant 87 $14,595,000 $167,000 $485,000 $148,000 $3,257,000
Loan Purchased By The Institution 70 $13,810,000 $197,000 $595,000 $90,000 $113,000
File Closed For Incompleteness 60 $8,920,000 $148,000 $615,000 $79,000 $840,000
Application Approved But Not Accepted 32 $4,520,000 $141,000 $575,000 $248,000 $3,668,000
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 500 $87,210,000 $174,000 $615,000 $216,000 $9,047,000
Debt-To-Income Ratio 135 $14,715,000 $109,000 $905,000 $82,000 $668,000
Credit History 76 $10,220,000 $134,000 $415,000 $71,000 $332,000
Credit Application Incomplete 18 $2,480,000 $137,000 $295,000 $71,000 $120,000
Other 14 $2,130,000 $152,000 $305,000 $499,000 $5,833,000
Unverifiable Information 10 $1,630,000 $163,000 $285,000 $69,000 $131,000
Collateral 10 $1,520,000 $152,000 $305,000 $721,000 $5,833,000
Insufficient Cash (Downpayment, Closing Cost) 2 $310,000 $155,000 $175,000 $48,000 $51,000
Mortgage Insurance Denied 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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