Candler County, GA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 213 mortgage applications in Candler County, GA totaling $23.7 million, down 1% from 2011. The average application was for $111,000, and applicants reported an average income of $69,000. 42% of applications resulted in an originated loan and 33% were denied. The most active lender was Truist Bank, with 38 applications, followed by Wells Fargo Bank NA and Synovus Bank.
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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 | 213 |
| Total Mortgage Loan Application Amount | $23,723,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $480,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $927,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 38 | $ 3,774,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 32 | $ 3,398,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 26,863,303,000 | 15 | $ 1,008,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 15 | $ 2,271,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 15 | $ 918,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 8 | $ 967,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 1,086,660,000 | 7 | $ 554,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ 10,000,000 | 7 | $ 1,098,000 |
| South Georgia Bank 401 S. VETERANS BLVD. GLENNVILLE, GA 30427 |
* | $ 132,120,000 | 5 | $ 150,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 5 | $ 888,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 960,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 665,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 6,977,357,000 | 3 | $ 417,000 |
| Georgia B&Tc of Augusta P O BOX 15367 AUGUSTA, GA 30919 |
* | $ 1,610,361,000 | 3 | $ 288,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 588,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 3 | $ 748,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 301,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 113,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 2 | $ 434,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 128,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 2 | $ 299,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 2 | $ 254,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 2 | $ 138,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 2 | $ 200,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 123,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 162,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 188,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,192,832,000 | 1 | $ 38,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 1,972,908,000 | 1 | $ 263,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 893,021,000 | 1 | $ 31,000 |
| Exchange Bank PO BOX 580 MILLEDGEVILLE, GA 31059 |
* | $ 218,708,000 | 1 | $ 157,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 1,592,142,000 | 1 | $ 31,000 |
| S Bank 205 S VETERANS BLVD GLENNVILLE, GA 30427 |
* | $ 99,044,000 | 1 | $ 34,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 86,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 117,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 26,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 1 | $ 133,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 88,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 157,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 116,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 75,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 1 | $ 104,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 80,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 257,000 |
The tables below break down 2012 mortgage applications in Candler 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 Candler County, GA in 2012
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 | 140 | $17,992,000 | $128,000 | $480,000 | $83,000 | $927,000 |
| Home Purchase | 61 | $5,081,000 | $83,000 | $300,000 | $39,000 | $90,000 |
| Home Improvement | 12 | $650,000 | $54,000 | $262,000 | $69,000 | $290,000 |
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 | 169 | $20,050,000 | $118,000 | $480,000 | $78,000 | $927,000 |
| Black or African American | 16 | $785,000 | $49,000 | $118,000 | $37,000 | $76,000 |
| Not Provided | 13 | $1,827,000 | $140,000 | $365,000 | $53,000 | $124,000 |
| Not applicable | 9 | $695,000 | $77,000 | $128,000 | $12,000 | $44,000 |
| Hispanic | 6 | $366,000 | $61,000 | $91,000 | $46,000 | $94,000 |
| 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) | 159 | $17,098,000 | $107,000 | $365,000 | $80,000 | $927,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,856,000 | $110,000 | $262,000 | $36,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,977,000 | $179,000 | $480,000 | $51,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $792,000 | $99,000 | $187,000 | $25,000 | $39,000 |
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 | 90 | $9,642,000 | $107,000 | $360,000 | $79,000 | $927,000 |
| Application Denied By Financial Institution | 70 | $6,596,000 | $94,000 | $354,000 | $61,000 | $505,000 |
| Loan Purchased By The Institution | 20 | $2,158,000 | $107,000 | $262,000 | $43,000 | $108,000 |
| Application Withdrawn By Applicant | 19 | $4,097,000 | $215,000 | $480,000 | $101,000 | $300,000 |
| Application Approved But Not Accepted | 9 | $716,000 | $79,000 | $169,000 | $45,000 | $100,000 |
| File Closed For Incompleteness | 5 | $514,000 | $102,000 | $148,000 | $46,000 | $96,000 |
| 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 | 25 | $1,831,000 | $73,000 | $162,000 | $41,000 | $94,000 |
| Other | 12 | $905,000 | $75,000 | $156,000 | $63,000 | $290,000 |
| Debt-To-Income Ratio | 7 | $422,000 | $60,000 | $92,000 | $26,000 | $44,000 |
| Collateral | 6 | $1,085,000 | $180,000 | $354,000 | $122,000 | $284,000 |
| Unverifiable Information | 5 | $466,000 | $93,000 | $257,000 | $41,000 | $75,000 |
| Credit Application Incomplete | 4 | $405,000 | $101,000 | $147,000 | $51,000 | $67,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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