Calhoun County, GA Mortgage Lenders & HMDA Data, 2006

In 2006, lenders reported 194 mortgage applications in Calhoun County, GA totaling $12.7 million, down 15% from 2005. The average application was for $65,000, and applicants reported an average income of $43,000. 39% of applications resulted in an originated loan and 34% were denied. The most active lender was First State Bank of Blakely, with 20 applications, followed by Citifinancial Services, Inc. and Beneficial Company LLC.

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Total Number of Mortgage Applications 194
Total Mortgage Loan Application Amount $12,663,000
Average Mortgage Loan Application Amount $65,000
Highest Mortgage Loan Application Amount $383,000
Average Applicant Income $43,000
Highest Applicant Income $154,000

Mortgage Company List for Lending in Calhoun County, GA for 2006

* 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
First State Bank of Blakely
2213 S. MAIN STREET
BLAKELY, GA 39823
* $ 240,601,000 20 $ 654,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 12 $ 576,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 10 $ 431,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 175,085,370,000 9 $ 701,000
Green Tree Servicing LLC
345 ST. PETER STREET
ST. PAUL, MN 55102
* $ 31,000,000 6 $ 261,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 6 $ 252,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 403,258,000,000 5 $ 326,000
Onesouth Bank
12347 COLUMBIA ST
BLAKELY, GA 32428
* $ 76,624,000 5 $ 92,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 81,074,402,000 4 $ 169,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 330,706,384,000 4 $ 445,000
Keybank National Association
100 PUBLIC SQUARE STE 600 OH-01-10-06006
CLEVELAND, OH 44113
* $ 88,960,716,000 4 $ 112,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 352,000
First Nlc Financial Services,
4680 CONFERENCE WAY SOUTH
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 248,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 4 $ 422,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 3 $ 158,000
American Home Mortgage Corp.
538 BROADHOLLOW RD
MELVILLE, NY 11747
* $ 10,000,000 3 $ 312,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 3 $ 228,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 208,867,410,000 3 $ 370,000
Ameriquest Mortgage Company
1100 TOWN & COUNTRY ROAD
ORANGE, CA 92868
* $ 10,000,000 3 $ 252,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 3 $ 311,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 225,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 177,231,290,000 3 $ 145,000
Bank of Dawson
P. O. BOX 230
DAWSON, GA 39842
* $ 89,430,000 3 $ 77,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 661,001,000 3 $ 382,000
Popular Housing Services
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 21,874,000,000 3 $ 145,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 3 $ 332,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,054,001,000 2 $ 100,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 177,231,290,000 2 $ 152,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 12,329,271,000 2 $ 20,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 36,499,554,000 2 $ 101,000
Peoplessouth Bank
203 W CRAWFORD ST
COLQUITT, GA 39837
* $ 389,992,000 2 $ 41,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 69,482,177,000 2 $ 438,000
Argent Mortgage Company
1100 TOWN & COUNTRY
ORANGE, CA 92868
* $ 10,000,000 2 $ 104,000
Mortgageamerica, Inc.
1800 INTERNATIONAL PARK DR, SUITE 100
BIRMINGHAM, AL 35243
* $ 10,000,000 2 $ 100,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,082,250,290,000 2 $ 72,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,013,985,000,000 2 $ 109,000
Colony Bank Ashburn
515 EAST WASHINGTON STREET
ASHBURN, GA 31714
* $ 332,091,000 2 $ 178,000
Allied Home Mtg Capital Corp
6110 PINEMONT DR., STE. 215
HOUSTON, TX 77092
* $ 10,000,000 1 $ 65,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 120,000
Ab&T National Bank
2815 MEREDYTH DRIVE
ALBANY, GA 31707
* $ 224,427,000 1 $ 142,000
Countrywide Bank, N.A.
35 NORTH LAKE, MS 35-148
PASADENA, CA 91101
* $ 73,116,292,000 1 $ 104,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000 1 $ 129,000
Home Team Financial LLC
101 E. MAIN STREET
MOUNT JOY, PA 17552
* $ 462,000,000 1 $ 122,000
Colony Mortgage Corp
614 N. WESTOVER BLVD
ALBANY, GA 31707
* $ 10,000,000 1 $ 154,000
First Magnus Financial Corp
603 N. WILMOT ROAD
TUCSON, AZ 85711
* $ 10,000,000 1 $ 129,000
Aames Funding Corporation
15090 AVENUE OF SCIENCE
SAN DIEGO, CA 92128
* $ 10,000,000 1 $ 56,000
Home Capital, Inc.
5909 PEACHTREE-DUNWOODY ROAD NE, STE 100
ATLANTA, GA 30328
* $ 5,165,631,000 1 $ 50,000
Cgb Agri Financial Services
2209 RIVER ROAD
LOUISVILLE, KY 40206
* $ 433,538,000 1 $ 84,000
Prime Home Mortgage, Inc.
1414 W. GRANADA BLVD., SUITE 4
ORMOND BEACH, FL 32174
* $ 10,000,000 1 $ 143,000
Delta Funding Corporation
1000 WOODBURY ROAD
WOODBURY, NY 11797
* $ 31,000,000 1 $ 90,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 73,000
New Century Mortgage Corporati
18400 VON KARMAN AVE., SUITE 1000
IRVINE, CA 92612
* $ 10,000,000 1 $ 94,000
Walter Mortgage Company
4211 W. BOY SCOUT BLVD.
TAMPA, FL 33607
* $ 10,000,000 1 $ 65,000
Encore Credit Corp
1833 ALTON PARKWAY
IRVINE, CA 92606
* $ 10,000,000 1 $ 50,000
Novastar Mortgage
2114 CENTRAL SUITE 600
KANSAS CITY, MO 64108
* $ 10,000,000 1 $ 59,000
Home123 Corporation
3351 MICHELSON DRIVE, SUITE 400
IRVINE, CA 92612
* $ 10,000,000 1 $ 103,000
Southstar Funding, LLC
400 NORTHRDIGE ROAD, SUITE 1000
ATLANTA, GA 30350
* $ 10,000,000 1 $ 99,000
Merrill Lynch Mortgage Lending
4 WORLD FINANCIAL CENTER, 12TH FLOOR
NEW YORK, NY 10280
* $ 19,717,040,000 1 $ 104,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 45,000
Wmc Mortgage Corp.
3100 THORTON AVE
BURBANK, CA 91504
* $ 31,000,000 1 $ 65,000
Mid-Atlantic Financial Service
200 GALLERIA PARKWAY SUITE 1300
ATLANTA, GA 30008
* $ 10,000,000 1 $ 60,000
Doco Regional FCU
PO BOX 71389
ALBANY, GA 31708
* $ 61,155,000 1 $ 10,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 1 $ 52,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 1 $ 99,000
Firstcitybank
831 FAIRWAYS COURT
STOCKBRIDGE, GA 31802
* $ 159,929,000 1 $ 69,000
Citifinancial Mtg Co, Inc
4000 REGENT BLVD
IRVING, TX 75063
* $ 32,424,600,000 1 $ 50,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 22,481,092,000 1 $ 52,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,697,483,000 1 $ 53,000
First Federal
2440 MALL DR SUITE 100
NORTH CHARLESTON, SC 29406
* $ 2,523,772,000 1 $ 76,000
Liberty Mortgage Corporation
2713 FOREST HILLS RD
WILSON, NC 27893
* $ 43,553,752,000 1 $ 97,000
Georgia Community Bank
250 EAST LEE ST
DAWSON, GA 39842
* $ 115,328,000 1 $ 30,000
Irwin Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 47037
* $ 6,179,872,000 1 $ 252,000
Wells Fargo Fin'l Georgia, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 1 $ 53,000
Amsouth Bank
P.O. BOX 11007 - AC-10
BIRMINGHAM, AL 35288
* $ 52,569,628,000 1 $ 26,000
Americanmtgnetwork dba Vertice
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 473,000,000,000 1 $ 49,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 80,226,832,000 1 $ 97,000

The tables below break down 2006 mortgage applications in Calhoun 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 Calhoun County, GA in 2006

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 92 $7,531,000 $81,000 $383,000 $47,000 $140,000
Home Purchase 73 $4,385,000 $60,000 $250,000 $35,000 $104,000
Home Improvement 29 $747,000 $25,000 $70,000 $50,000 $154,000

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 81 $5,379,000 $66,000 $383,000 $56,000 $154,000
Black or African American 73 $4,477,000 $61,000 $252,000 $33,000 $96,000
Not Provided 27 $1,653,000 $61,000 $193,000 $40,000 $103,000
Not applicable 11 $1,068,000 $97,000 $182,000 $13,000 $77,000
Hispanic 2 $86,000 $43,000 $44,000 $68,000 $104,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 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) 178 $11,405,000 $64,000 $383,000 $45,000 $154,000
FHA-insured (Federal Housing Administration) 14 $1,040,000 $74,000 $106,000 $20,000 $88,000
VA-guaranteed (Veterans Administration) 2 $218,000 $109,000 $154,000 $15,000 $31,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 76 $4,553,000 $59,000 $252,000 $53,000 $154,000
Application Denied By Financial Institution 66 $4,039,000 $61,000 $250,000 $34,000 $106,000
Loan Purchased By The Institution 18 $1,715,000 $95,000 $212,000 $30,000 $88,000
Application Withdrawn By Applicant 14 $1,093,000 $78,000 $143,000 $44,000 $103,000
Application Approved But Not Accepted 13 $897,000 $69,000 $383,000 $47,000 $104,000
File Closed For Incompleteness 7 $366,000 $52,000 $125,000 $37,000 $67,000
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 20 $1,267,000 $63,000 $200,000 $36,000 $106,000
Collateral 5 $299,000 $59,000 $80,000 $45,000 $69,000
Other 4 $313,000 $78,000 $90,000 $37,000 $48,000
Debt-To-Income Ratio 3 $225,000 $75,000 $84,000 $39,000 $88,000
Credit Application Incomplete 2 $124,000 $62,000 $78,000 $44,000 $70,000
Unverifiable Information 1 $50,000 $50,000 $50,000 $24,000 $24,000
Employment History 1 $56,000 $56,000 $56,000 $18,000 $18,000
Insufficient Cash (Downpayment, Closing Cost) 1 $45,000 $45,000 $45,000 $24,000 $24,000
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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