Berrien County, GA Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 599 mortgage applications in Berrien County, GA totaling $63.7 million, up 4% from 2015. The average application was for $106,000, and applicants reported an average income of $51,000. 56% of applications resulted in an originated loan and 21% were denied. The most active lender was The Citizens Bank, with 155 applications, followed by Farmers and Merchants Bank and 21st Mortgage.

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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 599
Total Mortgage Loan Application Amount $63,663,000
Average Mortgage Loan Application Amount $106,000
Highest Mortgage Loan Application Amount $2,296,000
Average Applicant Income $51,000
Highest Applicant Income $1,119,000

Mortgage Company List for Lending in Berrien County, GA for 2016

* 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
* $ 257,251,000 155 $ 9,371,000
Farmers and Merchants Bank
4 NORTH CARTER STREET, PO BOX 187
LAKELAND, GA 31635
* $ 542,501,000 47 $ 6,656,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 37 $ 2,294,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 35 $ 4,785,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 27 $ 3,930,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 16 $ 2,446,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 13 $ 1,567,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 5,592,561,000 11 $ 1,081,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 10 $ 658,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 10 $ 1,112,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 9 $ 200,000
Southeastern Credit Union
PO BOX 2067 VALDOSTA, GA 31604
VALDOSTA, GA 31602
* $ 228,784,000 8 $ 928,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 7 $ 1,150,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 7 $ 1,240,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 6 $ 1,038,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 6 $ 624,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 180,082,000 6 $ 676,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ 10,000,000 6 $ 959,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,121,263,000 6 $ 604,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 6 $ 656,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 5 $ 449,000
State Bank and Trust Company
4219 FORSYTH ROAD
MACON, GA 31210
* $ 3,455,981,000 5 $ 978,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 5 $ 686,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 785,530,000 5 $ 280,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 5 $ 521,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 5 $ 579,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ 45,240,000 5 $ 727,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 4 $ 673,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 537,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 4 $ 466,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 4 $ 157,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 4 $ 429,000
Citizens Community Bank
120 W. MAIN STREET
HAHIRA, GA 31632
* $ 130,772,000 4 $ 157,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 7,901,669,000 4 $ 547,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ 10,000,000 4 $ 582,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 4 $ 349,000
Guardian Bank
701 WILDWOOD PLANTATION DR.
VALDOSTA, GA 31604
* $ 288,168,000 3 $ 323,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 3 $ 997,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 988,439,000 3 $ 300,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 3 $ 217,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 2 $ 212,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 2 $ 152,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 2 $ 389,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 28,529,226,000 2 $ 151,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 2 $ 233,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 202,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 2 $ 156,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 160,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 246,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 339,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 247,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 262,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 505,000
Colony Bank
302 SOUTH MAIN ST.
FITZGERALD, GA 31750
* $ 1,172,145,000 2 $ 75,000
First Commerce Credit Union
2073 LAKE SUMMIT
TALLAHASSEE, FL 32310
* $ 481,089,000 2 $ 245,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 237,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ 1,400,000,000 1 $ 140,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 1 $ 218,000
Midland Mortgage Corporation
1500 RICHLAND STREET
COLUMBIA, SC 29201
* $ 10,000,000 1 $ 110,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 1 $ 259,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 1,087,173,000 1 $ 162,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 102,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 385,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 124,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 180,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ 1,486,000,000 1 $ 214,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 165,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 144,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 148,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 150,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 169,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 363,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 356,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 187,000
Platinum Financial Funding, LLC
1913 GUNBARREL ROAD
CHATTANOOGA, TN 37421
* $ 1,071,000 1 $ 54,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 1 $ 148,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ 40,421,000 1 $ 139,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 103,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 200,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 169,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 6,656,748,000 1 $ 104,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 108,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 228,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 62,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 120,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 70,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 1 $ 155,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 1 $ 101,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 95,747,000 1 $ 146,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 4,441,234,000 1 $ 46,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 1 $ 130,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 150
RICHARDSON, TX 75083
* $ 2,214,138,000 1 $ 90,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,216,928,000 1 $ 89,000
First Federal S&L Association
PO BOX 888
VALDOSTA, GA 31603
* $ 163,640,000 1 $ 40,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 114,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 1 $ 248,000
Commercial Banking Company
3462 NORTH VALDOSTA ROAD
VALDOSTA, GA 31602
* $ 227,191,000 1 $ 8,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 1 $ 6,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 42,042,000,000 1 $ 125,000

The tables below break down 2016 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 2016

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 327 $39,057,000 $119,000 $2,296,000 $50,000 $1,119,000
Home Purchase 219 $22,363,000 $102,000 $410,000 $53,000 $580,000
Home Improvement 53 $2,243,000 $42,000 $166,000 $54,000 $185,000

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 445 $44,954,000 $101,000 $410,000 $58,000 $1,119,000
Not applicable 51 $8,583,000 $168,000 $2,296,000 $4,000 $114,000
Black or African American 47 $3,515,000 $74,000 $200,000 $37,000 $101,000
Not Provided 37 $5,238,000 $141,000 $384,000 $54,000 $175,000
Hispanic 13 $1,044,000 $80,000 $183,000 $46,000 $170,000
Native Hawaiin or Other Pacific Islander 2 $192,000 $96,000 $96,000 $34,000 $36,000
American Indian or Alaskan Native 2 $127,000 $63,000 $77,000 $85,000 $150,000
Asian 2 $10,000 $5,000 $6,000 $26,000 $26,000

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) 419 $38,807,000 $92,000 $2,296,000 $55,000 $1,119,000
VA-guaranteed (Veterans Administration) 88 $14,800,000 $168,000 $410,000 $53,000 $960,000
FHA-insured (Federal Housing Administration) 70 $7,760,000 $110,000 $245,000 $37,000 $130,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 22 $2,296,000 $104,000 $180,000 $27,000 $67,000

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 334 $33,618,000 $100,000 $2,296,000 $54,000 $1,119,000
Application Denied By Financial Institution 127 $13,925,000 $109,000 $410,000 $62,000 $960,000
Application Withdrawn By Applicant 47 $6,925,000 $147,000 $410,000 $48,000 $344,000
Loan Purchased By The Institution 40 $5,100,000 $127,000 $328,000 $20,000 $116,000
File Closed For Incompleteness 39 $3,304,000 $84,000 $184,000 $34,000 $140,000
Application Approved But Not Accepted 12 $791,000 $65,000 $187,000 $57,000 $132,000
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
Debt-To-Income Ratio 14 $1,719,000 $122,000 $320,000 $42,000 $140,000
Credit History 12 $1,012,000 $84,000 $356,000 $89,000 $185,000
Collateral 7 $749,000 $107,000 $166,000 $54,000 $109,000
Credit Application Incomplete 6 $502,000 $83,000 $118,000 $31,000 $120,000
Other 5 $409,000 $81,000 $140,000 $36,000 $59,000
Insufficient Cash (Downpayment, Closing Cost) 1 $46,000 $46,000 $46,000 $22,000 $22,000
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

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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