Berrien County, GA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 576 mortgage applications in Berrien County, GA totaling $58.9 million, up 3% from 2014. The average application was for $102,000, and applicants reported an average income of $54,000. 60% of applications resulted in an originated loan and 18% were denied. The most active lender was The Citizens Bank, with 146 applications, followed by 21st Mortgage and Farmers and Merchants Bank.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Georgia.
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 | 576 |
| Total Mortgage Loan Application Amount | $58,918,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $1,203,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $736,000 |
* 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 |
|---|---|---|---|---|
| The Citizens Bank 301 S DAVIS ST NASHVILLE, GA 31639 |
* | $ 258,537,000 | 146 | $ 9,606,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 42 | $ 2,571,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 550,847,000 | 38 | $ 3,304,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 27 | $ 3,828,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 24 | $ 3,188,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 16 | $ 1,887,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 16 | $ 2,074,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ 0 | 16 | $ 2,318,000 |
| Southeastern Credit Union P.O. BOX 2067 VALDOSTA, GA 31604 |
* | $ 200,718,000 | 12 | $ 1,478,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 11 | $ 1,388,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 10 | $ 1,461,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 718,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 9 | $ 815,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 9 | $ 1,092,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 9 | $ 1,412,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 8 | $ 680,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 8 | $ 971,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 6 | $ 579,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 5 | $ 597,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 5 | $ 37,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 5 | $ 686,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 26,777,424,000 | 5 | $ 340,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 5 | $ 703,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 5 | $ 712,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,785,742,000 | 5 | $ 803,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 164,706,000 | 5 | $ 700,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,144,956,000 | 4 | $ 351,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 4 | $ 442,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 4 | $ 541,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 4 | $ 586,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 4 | $ 326,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 917,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 4,040,577,000 | 4 | $ 193,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ 164,413,000 | 3 | $ 540,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 3 | $ 262,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 345,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,827,707,000 | 3 | $ 169,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 378,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 189,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 317,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 382,000 |
| Guardian Bank 701 WILDWOOD PLANTATION DR. VALDOSTA, GA 31604 |
* | $ 251,319,000 | 3 | $ 152,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 166,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 5,785,742,000 | 2 | $ 84,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 119,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 348,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 241,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 2 | $ 364,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 516,959,000 | 2 | $ 411,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 300,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 2 | $ 478,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 276,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 997,728,000 | 2 | $ 183,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 125,817,000 | 2 | $ 41,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 317,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ 608,779,509,000 | 1 | $ 180,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 27,356,000,000 | 1 | $ 300,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 114,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 176,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 176,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Commercial Banking Company 3462 NORTH VALDOSTA ROAD VALDOSTA, GA 31602 |
* | $ 219,244,000 | 1 | $ 89,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,672,142,000 | 1 | $ 127,000 |
| Planters First Bank 1620 E 16TH AVE CORDELE, GA 31015 |
* | $ 267,507,000 | 1 | $ 19,000 |
| Community First Bank 5525 US HIGHWAY 10 E ROSHOLT, WI 54482 |
* | $ 373,629,000 | 1 | $ 90,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 104,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 182,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 202,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 1 | $ 168,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 193,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 133,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 180,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 60,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 185,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 195,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 107,000 |
| Crescom Bank 288 MEETING ST CHARLESTON, SC 29401 |
* | $ 1,198,823,000 | 1 | $ 42,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 88,000 |
| Guaranty Mortgage Services, LLC FORT WASHINGTON, PA 19034 |
* | $ 62,608,140,000 | 1 | $ 124,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ 1,486,000,000 | 1 | $ 412,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 257,892,000 | 1 | $ 50,000 |
The tables below break down 2015 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 2015
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 | 290 | $30,654,000 | $105,000 | $1,203,000 | $55,000 | $600,000 |
| Home Purchase | 243 | $26,649,000 | $109,000 | $374,000 | $56,000 | $736,000 |
| Home Improvement | 43 | $1,615,000 | $37,000 | $168,000 | $42,000 | $99,000 |
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 | 447 | $44,808,000 | $100,000 | $1,203,000 | $62,000 | $736,000 |
| Not applicable | 55 | $6,679,000 | $121,000 | $722,000 | $6,000 | $105,000 |
| Black or African American | 33 | $2,437,000 | $73,000 | $211,000 | $33,000 | $64,000 |
| Not Provided | 26 | $3,539,000 | $136,000 | $365,000 | $66,000 | $210,000 |
| Hispanic | 7 | $437,000 | $62,000 | $127,000 | $31,000 | $50,000 |
| Asian | 6 | $640,000 | $106,000 | $253,000 | $38,000 | $80,000 |
| American Indian or Alaskan Native | 1 | $186,000 | $186,000 | $186,000 | $61,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $192,000 | $192,000 | $192,000 | $40,000 | $40,000 |
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) | 407 | $35,962,000 | $88,000 | $1,203,000 | $58,000 | $736,000 |
| VA-guaranteed (Veterans Administration) | 73 | $11,901,000 | $163,000 | $426,000 | $46,000 | $146,000 |
| FHA-insured (Federal Housing Administration) | 71 | $8,318,000 | $117,000 | $226,000 | $54,000 | $585,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,737,000 | $109,000 | $173,000 | $24,000 | $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 | 346 | $34,914,000 | $100,000 | $1,203,000 | $61,000 | $736,000 |
| Application Denied By Financial Institution | 105 | $9,920,000 | $94,000 | $426,000 | $45,000 | $216,000 |
| Loan Purchased By The Institution | 54 | $6,963,000 | $128,000 | $273,000 | $32,000 | $585,000 |
| Application Withdrawn By Applicant | 36 | $4,306,000 | $119,000 | $412,000 | $60,000 | $536,000 |
| File Closed For Incompleteness | 23 | $1,884,000 | $81,000 | $229,000 | $35,000 | $121,000 |
| Application Approved But Not Accepted | 12 | $931,000 | $77,000 | $204,000 | $61,000 | $143,000 |
| 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 | 13 | $662,000 | $50,000 | $200,000 | $32,000 | $95,000 |
| Debt-To-Income Ratio | 12 | $1,609,000 | $134,000 | $232,000 | $54,000 | $216,000 |
| Credit Application Incomplete | 8 | $1,115,000 | $139,000 | $193,000 | $50,000 | $146,000 |
| Collateral | 2 | $397,000 | $198,000 | $300,000 | $131,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $167,000 | $83,000 | $106,000 | $43,000 | $63,000 |
| Unverifiable Information | 1 | $66,000 | $66,000 | $66,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About