Cook County, GA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 573 mortgage applications in Cook County, GA totaling $105.0 million, up 19% from 2023. The average application was for $183,000, and applicants reported an average income of $84,000. 38% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 87 applications, followed by Farmers and Merchants Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 573 |
| Total Mortgage Loan Application Amount | $104,965,000 |
| Average Mortgage Loan Application Amount | $183,000 |
| Highest Mortgage Loan Application Amount | $11,405,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $2,031,000 |
* 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 | 87 | $ 10,415,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ n/a | 27 | $ 6,925,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 26 | $ 3,320,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 26 | $ 2,650,000 |
| First Commerce Credit Union 107 E COLLEGE AVE TALLAHASSEE, FL 32317 |
* | $ n/a | 26 | $ 2,080,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 21 | $ 5,505,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 20 | $ 3,390,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 19 | $ 5,035,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 14 | $ 1,770,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 14 | $ 2,380,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 13 | $ 2,945,000 |
| Barwick Banking Company 2020 E MAIN ST BARWICK, GA 31720 |
* | $ n/a | 9 | $ 925,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 9 | $ 2,015,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 1,785,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 9 | $ 885,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 9 | $ 1,025,000 |
| Banksouth Mortgage Company LLC 6340 LAKE OCONEE PARKWAY SUITE 202 GREENSBORO, GA 30642 |
* | $ n/a | 8 | $ 1,650,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 8 | $ 1,250,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 8 | $ 1,270,000 |
| Southeastern Credit Union PO BOX 2067 VALDOSTA, GA 31604 VALDOSTA, GA 31602 |
* | $ n/a | 8 | $ 1,120,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 7 | $ 1,205,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 7 | $ 455,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 685,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 6 | $ 1,490,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 250,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 6 | $ 680,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 6 | $ 1,470,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 6 | $ 810,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ n/a | 6 | $ 1,170,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 6 | $ 980,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 590,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ n/a | 5 | $ 435,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 5 | $ 1,005,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ n/a | 5 | $ 915,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 530,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ n/a | 4 | $ 1,650,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 4 | $ 750,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 545,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 435,000 |
| Commercial Banking Company 3462 NORTH VALDOSTA ROAD VALDOSTA, GA 31602 |
* | $ n/a | 3 | $ 565,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 655,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 525,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 525,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 240,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 550,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ n/a | 2 | $ 310,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 2 | $ 230,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 280,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 2 | $ 320,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 2 | $ 320,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ n/a | 2 | $ 440,000 |
| Aggeorgia Farm Credit 468 PERRY PKWY PERRY, GA 31069 |
* | $ n/a | 2 | $ 630,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 150,000 |
| Vystar Credit Union 4949 BLANDING BLVD JACKSONVILLE, FL 32202 |
* | $ n/a | 2 | $ 110,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 2 | $ 390,000 |
| First National Bank of Coffee County 420 S MADISON AVE DOUGLAS, GA 31533 |
* | $ n/a | 2 | $ 2,080,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 30,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 400,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 440,000 |
| South Georgia Banking Company 2005 TIFT AVE N TIFTON, GA 31794 |
* | $ n/a | 2 | $ 110,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ n/a | 2 | $ 320,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 2 | $ 200,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 455,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 235,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ n/a | 1 | $ 55,000 |
| Merchants National Bank 100 NORTH HIGH STREET HILLSBORO, OH 45133 |
* | $ n/a | 1 | $ 205,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 315,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 155,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 85,000 |
| Southeastern Bank 1010 NORTH WAY, POST OFFICE BOX 455 DARIEN, GA 31305 |
* | $ n/a | 1 | $ 35,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 195,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 535,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 75,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 105,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 95,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 245,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 305,000 |
| Bank of Dudley 200 W JACKSON ST DUBLIN, GA 31021 |
* | $ n/a | 1 | $ 105,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 215,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 225,000 |
| Guardian Bank 701 WILDWOOD PLANTATION DR. VALDOSTA, GA 31604 |
* | $ n/a | 1 | $ 75,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ n/a | 1 | $ 155,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 265,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 425,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 175,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 11,405,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 55,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 435,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 255,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 205,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 155,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 165,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ n/a | 1 | $ 55,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ n/a | 1 | $ 565,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 195,000 |
The tables below break down 2024 mortgage applications in Cook 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 Cook 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 | 361 | $62,565,000 | $173,000 | $1,895,000 | $75,000 | $664,000 |
| Cash-out Refinancing | 83 | $13,895,000 | $167,000 | $535,000 | $115,000 | $2,031,000 |
| Refinancing | 63 | $23,845,000 | $378,000 | $11,405,000 | $108,000 | $689,000 |
| Other Purpose | 29 | $2,055,000 | $70,000 | $235,000 | $100,000 | $323,000 |
| Home Improvement | 26 | $1,990,000 | $76,000 | $255,000 | $79,000 | $201,000 |
| Not Applicable | 11 | $615,000 | $55,000 | $145,000 | $55,000 | $100,000 |
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 | 293 | $45,755,000 | $156,000 | $1,735,000 | $94,000 | $2,031,000 |
| Black or African American | 109 | $16,355,000 | $150,000 | $705,000 | $64,000 | $312,000 |
| Not applicable | 76 | $29,650,000 | $390,000 | $11,405,000 | $42,000 | $97,000 |
| Not Provided | 62 | $8,440,000 | $136,000 | $535,000 | $72,000 | $364,000 |
| Hispanic | 24 | $3,340,000 | $139,000 | $325,000 | $84,000 | $220,000 |
| American Indian or Alaskan Native | 5 | $765,000 | $153,000 | $215,000 | $72,000 | $87,000 |
| Asian | 4 | $660,000 | $165,000 | $385,000 | $168,000 | $270,000 |
| 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) | 382 | $63,110,000 | $165,000 | $11,405,000 | $86,000 | $2,031,000 |
| FHA-insured (Federal Housing Administration) | 96 | $17,490,000 | $182,000 | $435,000 | $69,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 82 | $22,040,000 | $268,000 | $705,000 | $97,000 | $364,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $2,325,000 | $178,000 | $285,000 | $55,000 | $119,000 |
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 | 218 | $42,700,000 | $195,000 | $2,215,000 | $98,000 | $689,000 |
| Application Denied By Financial Institution | 163 | $17,875,000 | $109,000 | $435,000 | $56,000 | $185,000 |
| Application Withdrawn By Applicant | 75 | $24,425,000 | $325,000 | $11,405,000 | $114,000 | $2,031,000 |
| File Closed For Incompleteness | 48 | $7,250,000 | $151,000 | $535,000 | $88,000 | $323,000 |
| Loan Purchased By The Institution | 48 | $10,140,000 | $211,000 | $535,000 | $78,000 | $243,000 |
| Application Approved But Not Accepted | 20 | $2,270,000 | $113,000 | $265,000 | $77,000 | $201,000 |
| Preapproval Denied by Financial Institution | 1 | $305,000 | $305,000 | $305,000 | $85,000 | $85,000 |
| Preapproval Approved but not Accepted | 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 | 363 | $76,095,000 | $209,000 | $11,405,000 | $98,000 | $2,031,000 |
| Credit History | 91 | $10,415,000 | $114,000 | $435,000 | $57,000 | $185,000 |
| Debt-To-Income Ratio | 85 | $14,765,000 | $173,000 | $2,215,000 | $73,000 | $552,000 |
| Collateral | 10 | $970,000 | $97,000 | $195,000 | $64,000 | $100,000 |
| Credit Application Incomplete | 9 | $705,000 | $78,000 | $185,000 | $57,000 | $89,000 |
| Unverifiable Information | 6 | $690,000 | $115,000 | $175,000 | $60,000 | $99,000 |
| Other | 4 | $550,000 | $137,000 | $235,000 | $45,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $580,000 | $145,000 | $195,000 | $101,000 | $133,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $50,000 | $50,000 |
| 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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