Berrien County, GA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 698 mortgage applications in Berrien County, GA totaling $111.4 million, up 16% from 2023. The average application was for $159,000, and applicants reported an average income of $82,000. 40% of applications resulted in an originated loan and 27% were denied. The most active lender was 21st Mortgage, with 90 applications, followed by Farmers and Merchants Bank and PennyMac Loan Services LLC.
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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 | 698 |
| Total Mortgage Loan Application Amount | $111,410,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $1,235,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,308,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 90 | $ 12,630,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ n/a | 68 | $ 4,220,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 34 | $ 7,180,000 |
| First Commerce Credit Union 107 E COLLEGE AVE TALLAHASSEE, FL 32317 |
* | $ n/a | 30 | $ 2,200,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 30 | $ 6,630,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 25 | $ 3,125,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 23 | $ 3,385,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 21 | $ 3,755,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 20 | $ 3,900,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 17 | $ 4,225,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 17 | $ 2,315,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 12 | $ 1,450,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 12 | $ 2,540,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 12 | $ 2,470,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 11 | $ 785,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 11 | $ 1,905,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 1,150,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 9 | $ 1,985,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 440,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 8 | $ 1,910,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 8 | $ 1,850,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 8 | $ 1,390,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 8 | $ 860,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 1,245,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 7 | $ 1,555,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ n/a | 6 | $ 580,000 |
| Southeastern Credit Union PO BOX 2067 VALDOSTA, GA 31604 VALDOSTA, GA 31602 |
* | $ n/a | 6 | $ 680,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 6 | $ 640,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 6 | $ 870,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 6 | $ 1,440,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 1,065,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 1,300,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 4 | $ 830,000 |
| Loansteady LLC 8401 GREENSBORO DRIVE SUITE 950 MCCLEAN, VA 22102 |
* | $ n/a | 4 | $ 780,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 3 | $ 465,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 3 | $ 55,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 3 | $ 455,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 415,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 945,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 265,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 455,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 835,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 555,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 595,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 795,000 |
| South Georgia Banking Company 2005 TIFT AVE N TIFTON, GA 31794 |
* | $ n/a | 3 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 155,000 |
| Banksouth Mortgage Company LLC 6340 LAKE OCONEE PARKWAY SUITE 202 GREENSBORO, GA 30642 |
* | $ n/a | 2 | $ 390,000 |
| First National Bank of Coffee County 420 S MADISON AVE DOUGLAS, GA 31533 |
* | $ n/a | 2 | $ 160,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ n/a | 2 | $ 390,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 260,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 2 | $ 670,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 430,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 360,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ n/a | 2 | $ 360,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 600,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 1,410,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 2 | $ 270,000 |
| Publix Employees Federal Credit Union 3005 NEW TAMPA HWY LAKELAND, FL 33802 |
* | $ n/a | 2 | $ 220,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 2 | $ 230,000 |
| Commercial Banking Company 3462 NORTH VALDOSTA ROAD VALDOSTA, GA 31602 |
* | $ n/a | 2 | $ 800,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 290,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 510,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 185,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 125,000 |
| Aggeorgia Farm Credit 468 PERRY PKWY PERRY, GA 31069 |
* | $ n/a | 1 | $ 45,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 195,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 205,000 |
| The Mortgage Firm 921 DOUGLAS AVENUE, SUITE 200 ALTAMONTE SPRINGS, FL 32714 |
* | $ n/a | 1 | $ 235,000 |
| Suncoast Credit Union 6801 E HILLSBOROUGH AVE TAMPA, FL 33610 |
* | $ n/a | 1 | $ 335,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 85,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ n/a | 1 | $ 55,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 355,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ n/a | 1 | $ 125,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 155,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31095 |
* | $ n/a | 1 | $ 145,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 145,000 |
| Vystar Credit Union 4949 BLANDING BLVD JACKSONVILLE, FL 32202 |
* | $ n/a | 1 | $ 25,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 145,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 245,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 55,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 205,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ n/a | 1 | $ 755,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 705,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ n/a | 1 | $ 135,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 235,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 125,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 295,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 65,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 95,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ n/a | 1 | $ 35,000 |
| Affordable Mortgage Advisors 4640 CAMPBELLS RUN ROAD PITTSBURGH, PA 15205 |
* | $ n/a | 1 | $ 95,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 445,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 125,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 235,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ n/a | 1 | $ 25,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 1,235,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 215,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 105,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2024 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 2024
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 | 423 | $78,425,000 | $185,000 | $765,000 | $78,000 | $497,000 |
| Refinancing | 89 | $11,815,000 | $132,000 | $425,000 | $98,000 | $1,030,000 |
| Cash-out Refinancing | 84 | $15,260,000 | $181,000 | $1,235,000 | $88,000 | $1,308,000 |
| Home Improvement | 46 | $2,620,000 | $56,000 | $305,000 | $80,000 | $229,000 |
| Other Purpose | 44 | $2,720,000 | $61,000 | $255,000 | $92,000 | $386,000 |
| Not Applicable | 12 | $570,000 | $47,000 | $155,000 | $73,000 | $126,000 |
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 | 434 | $66,930,000 | $154,000 | $1,235,000 | $85,000 | $1,308,000 |
| Not Provided | 76 | $11,280,000 | $148,000 | $455,000 | $80,000 | $386,000 |
| Black or African American | 74 | $9,490,000 | $128,000 | $445,000 | $69,000 | $353,000 |
| Not applicable | 66 | $14,140,000 | $214,000 | $705,000 | $92,000 | $92,000 |
| Hispanic | 34 | $6,830,000 | $200,000 | $705,000 | $74,000 | $202,000 |
| Asian | 7 | $1,075,000 | $153,000 | $335,000 | $41,000 | $76,000 |
| American Indian or Alaskan Native | 6 | $910,000 | $151,000 | $295,000 | $90,000 | $187,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $755,000 | $755,000 | $755,000 | $218,000 | $218,000 |
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) | 433 | $53,045,000 | $122,000 | $1,235,000 | $86,000 | $1,308,000 |
| VA-guaranteed (Veterans Administration) | 139 | $34,395,000 | $247,000 | $755,000 | $85,000 | $233,000 |
| FHA-insured (Federal Housing Administration) | 107 | $20,625,000 | $192,000 | $575,000 | $63,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,345,000 | $176,000 | $305,000 | $55,000 | $100,000 |
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 | 279 | $44,735,000 | $160,000 | $1,235,000 | $88,000 | $1,308,000 |
| Application Denied By Financial Institution | 187 | $24,095,000 | $128,000 | $755,000 | $71,000 | $1,030,000 |
| Application Withdrawn By Applicant | 77 | $15,205,000 | $197,000 | $705,000 | $92,000 | $340,000 |
| File Closed For Incompleteness | 72 | $11,240,000 | $156,000 | $575,000 | $85,000 | $353,000 |
| Loan Purchased By The Institution | 61 | $13,495,000 | $221,000 | $705,000 | $71,000 | $92,000 |
| Application Approved But Not Accepted | 22 | $2,640,000 | $120,000 | $345,000 | $72,000 | $140,000 |
| 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 | 443 | $83,435,000 | $188,000 | $1,235,000 | $89,000 | $1,308,000 |
| Debt-To-Income Ratio | 114 | $10,430,000 | $91,000 | $755,000 | $66,000 | $287,000 |
| Credit History | 86 | $11,470,000 | $133,000 | $575,000 | $80,000 | $1,030,000 |
| Credit Application Incomplete | 17 | $1,635,000 | $96,000 | $225,000 | $49,000 | $103,000 |
| Collateral | 16 | $1,390,000 | $86,000 | $225,000 | $59,000 | $101,000 |
| Other | 8 | $1,270,000 | $158,000 | $425,000 | $108,000 | $229,000 |
| Unverifiable Information | 7 | $805,000 | $115,000 | $195,000 | $85,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $735,000 | $147,000 | $225,000 | $83,000 | $100,000 |
| Employment History | 2 | $240,000 | $120,000 | $125,000 | $63,000 | $65,000 |
| Mortgage Insurance Denied | 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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