Clay County, GA Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 111 mortgage applications in Clay County, GA totaling $8.2 million, down 2% from 2004. The average application was for $73,000, and applicants reported an average income of $56,000. 36% of applications resulted in an originated loan and 27% were denied. The most active lender was Vanderbilt Mortgage, with 8 applications, followed by Ameriquest Mortgage Company and Nationstar 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 | 111 |
| Total Mortgage Loan Application Amount | $8,163,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $380,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 279,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 7 | $ 767,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 370,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 49,210,377,000 | 6 | $ 276,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ 82,331,000 | 5 | $ 287,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 4 | $ 248,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 4 | $ 303,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 210,576,000 | 3 | $ 263,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 3 | $ 295,000 |
| Onesouth Bank 12347 COLUMBIA ST BLAKELY, GA 32428 |
* | $ 70,370,000 | 3 | $ 55,000 |
| Ab&T National Bank 2815 MEREDYTH DRIVE ALBANY, GA 31707 |
* | $ 155,362,000 | 3 | $ 470,000 |
| American Express Bank, FSB 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 |
* | $ 12,174,313,000 | 3 | $ 350,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 3 | $ 10,000 |
| Sb&T PO BOX 1912 ALBANY, GA 31703 |
* | $ 339,788,000 | 3 | $ 264,000 |
| Southland Bank dba Ameris 3299 ROSS CLARK CIRCLE, NW DOTHAN, AL 36303 |
* | $ 249,973,000 | 2 | $ 121,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 124,573,000 | 2 | $ 83,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 389,963,000,000 | 2 | $ 225,000 |
| Acoustic Home Loans, LLC 770 THE CITY DRIVE SOUTH, SUITE 1500 ORANGE, CA 92868 |
* | $ 336,792,793,000 | 2 | $ 69,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 10,000,000 | 2 | $ 87,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 166,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 192,000 |
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ 120,282,000 | 2 | $ 91,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 2 | $ 207,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 50,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 32,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,684,696,000 | 1 | $ 76,000 |
| Finance America 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 250,000,000 | 1 | $ 40,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 2,412,603,000 | 1 | $ 28,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 1 | $ 43,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 153,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 1 | $ 80,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 1 | $ 88,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 1 | $ 125,000 |
| Market Street Mortgage Corp 2650 MCCORMICK DR, SUITE 200 CLEARWATER, FL 33759 |
* | $ 335,650,000 | 1 | $ 73,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,509,064,000 | 1 | $ 39,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 13,849,972,000 | 1 | $ 150,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 1 | $ 125,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 1 | $ 40,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 1 | $ 46,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 45,000 |
| All Fund Mortgage 8808 PACIFIC AVE. TACOMA, WA 98444 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 237,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 54,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 1 | $ 71,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 150,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 73,809,165,000 | 1 | $ 50,000 |
| Premier Bank 2304 KILLEARN CENTER BLVD TALLAHASSEE, FL 32309 |
* | $ 244,676,000 | 1 | $ 39,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 1 | $ 58,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 177,000 |
The tables below break down 2005 mortgage applications in Clay 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 Clay County, GA in 2005
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 | 51 | $4,399,000 | $86,000 | $250,000 | $63,000 | $380,000 |
| Home Purchase | 42 | $2,590,000 | $61,000 | $225,000 | $46,000 | $133,000 |
| Home Improvement | 18 | $1,174,000 | $65,000 | $150,000 | $54,000 | $112,000 |
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 | 57 | $4,640,000 | $81,000 | $250,000 | $68,000 | $380,000 |
| Black or African American | 23 | $1,028,000 | $44,000 | $112,000 | $27,000 | $65,000 |
| Not Provided | 15 | $1,430,000 | $95,000 | $237,000 | $74,000 | $172,000 |
| Not applicable | 11 | $713,000 | $64,000 | $177,000 | $29,000 | $112,000 |
| Hispanic | 3 | $213,000 | $71,000 | $138,000 | $49,000 | $84,000 |
| American Indian or Alaskan Native | 2 | $139,000 | $69,000 | $116,000 | $29,000 | $41,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 107 | $7,924,000 | $74,000 | $250,000 | $57,000 | $380,000 |
| FHA-insured (Federal Housing Administration) | 4 | $239,000 | $59,000 | $73,000 | $37,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 40 | $2,859,000 | $71,000 | $250,000 | $58,000 | $167,000 |
| Application Denied By Financial Institution | 30 | $1,925,000 | $64,000 | $150,000 | $46,000 | $152,000 |
| Loan Purchased By The Institution | 15 | $1,184,000 | $78,000 | $180,000 | $40,000 | $112,000 |
| Application Withdrawn By Applicant | 13 | $1,016,000 | $78,000 | $237,000 | $79,000 | $380,000 |
| Application Approved But Not Accepted | 8 | $821,000 | $102,000 | $153,000 | $62,000 | $106,000 |
| File Closed For Incompleteness | 5 | $358,000 | $71,000 | $128,000 | $43,000 | $90,000 |
| 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 | 8 | $397,000 | $49,000 | $150,000 | $44,000 | $119,000 |
| Collateral | 5 | $371,000 | $74,000 | $150,000 | $78,000 | $98,000 |
| Other | 3 | $242,000 | $80,000 | $116,000 | $66,000 | $152,000 |
| Credit Application Incomplete | 1 | $88,000 | $88,000 | $88,000 | $72,000 | $72,000 |
| Debt-To-Income Ratio | 1 | $10,000 | $10,000 | $10,000 | $7,000 | $7,000 |
| 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 |
| Unverifiable Information | 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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