Decatur County, GA Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 783 mortgage applications in Decatur County, GA totaling $92.7 million, up 1% from 2011. The average application was for $118,000, and applicants reported an average income of $60,000. 40% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank NA, with 128 applications, followed by JPMorgan Chase Bank, NA and 21st Mortgage.

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Total Number of Mortgage Applications 783
Total Mortgage Loan Application Amount $92,749,000
Average Mortgage Loan Application Amount $118,000
Highest Mortgage Loan Application Amount $1,746,000
Average Applicant Income $60,000
Highest Applicant Income $1,121,000

Mortgage Company List for Lending in Decatur County, GA for 2012

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 128 $ 17,542,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 84 $ 8,973,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 63 $ 3,115,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 55 $ 7,850,000
Peoplessouth Bank
203 W CRAWFORD ST
COLQUITT, GA 39837
* $ 533,698,000 32 $ 3,363,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 29 $ 927,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 27 $ 3,383,000
Bank of the Ozarks
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 3,828,011,000 26 $ 1,713,000
First State Bank of Blakely
2213 S. MAIN STREET
BLAKELY, GA 39823
* $ 362,765,000 20 $ 3,117,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 13 $ 1,840,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 11 $ 1,373,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 11 $ 1,515,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 11 $ 786,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 10 $ 1,504,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 9 $ 618,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 8 $ 1,223,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 770,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 7 $ 1,215,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 3,003,189,000 7 $ 244,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 7 $ 876,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,196,437,000 6 $ 666,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,291,705,000 6 $ 80,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 6 $ 1,234,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 6 $ 1,072,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 1,020,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,617,318,000 5 $ 871,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 5 $ 684,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 5 $ 1,148,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 5 $ 720,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 4 $ 266,000
Focus Credit Union
PO BOX 835
CHATTAHOOCHEE, FL 32324
* $ 119,613,000 4 $ 789,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 551,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,140,407,000 4 $ 259,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 4 $ 36,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 4 $ 403,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 4 $ 581,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 4 $ 592,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 4 $ 612,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 395,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 3 $ 584,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 3 $ 494,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 3 $ 169,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 3 $ 448,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 3 $ 261,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 133,582,000 3 $ 455,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 3 $ 543,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 2 $ 320,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 199,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 338,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 2 $ 14,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 2 $ 144,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,074,816,000 2 $ 332,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 2 $ 143,000
Envision Credit Union
440 NORTH MONROE ST.
TALLAHASSEE, FL 32301
* $ 229,476,000 2 $ 187,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 26,181,267,000 2 $ 274,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 2 $ 138,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 2 $ 252,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 2 $ 249,000
Mainstreet Community Bank of Florida
204 S. WOODLAND BLVD
DELAND, FL 32720
* $ 205,412,000 2 $ 287,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 2 $ 65,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 2 $ 341,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 418,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 448,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 2 $ 351,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 372,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 258,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 303,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 211,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 354,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 127,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 93,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 361,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 198,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 1 $ 118,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 1 $ 223,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ 10,000,000 1 $ 70,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 1 $ 145,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 150,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 1 $ 155,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 74,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 60,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 137,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 116,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 134,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 1,086,660,000 1 $ 127,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 1 $ 217,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 1 $ 168,000
Prime Meridian Bank
1897 CAPITAL CIRCLE NE
TALLAHASSEE, FL 32312
* $ 139,403,000 1 $ 142,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,562,678,000 1 $ 43,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 978,405,000 1 $ 150,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 1 $ 155,000
Sunshine Savings Bank
1400 E. PARK AVENUE
TALLAHAASSEE, FL 32301
* $ 145,220,000 1 $ 78,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 1 $ 99,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 1 $ 675,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 1 $ 155,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 12,527,568,000 1 $ 101,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 88,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 515,461,000 1 $ 158,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 893,021,000 1 $ 60,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 1 $ 76,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 1 $ 48,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 75,989,000 1 $ 183,000
State Bank & Trust Company
147 SOUTH RAILROAD AVENUE
BROOKHAVEN, MS 39601
* $ 921,053,000 1 $ 544,000
Farmers & Merchants Bank
200 E. WASHINGTON STREET
MONTICELLO, FL 32344
* $ 425,245,000 1 $ 123,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 335,000
Christensen Financial, Inc.
860 N SR 434
ALTAMONTE SPRINGS, FL 32714
* $ 10,000,000 1 $ 100,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 48,000

The tables below break down 2012 mortgage applications in Decatur 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 Decatur 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 481 $68,429,000 $142,000 $1,746,000 $68,000 $1,121,000
Home Purchase 245 $23,176,000 $94,000 $380,000 $48,000 $405,000
Home Improvement 57 $1,144,000 $20,000 $155,000 $42,000 $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 497 $64,719,000 $130,000 $1,746,000 $71,000 $1,121,000
Black or African American 133 $9,128,000 $68,000 $324,000 $40,000 $123,000
Not Provided 78 $9,834,000 $126,000 $353,000 $61,000 $362,000
Not applicable 61 $7,551,000 $123,000 $544,000 $10,000 $123,000
Hispanic 11 $1,032,000 $93,000 $258,000 $36,000 $101,000
Asian 2 $262,000 $131,000 $186,000 $150,000 $200,000
American Indian or Alaskan Native 1 $223,000 $223,000 $223,000 $177,000 $177,000
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) 560 $65,730,000 $117,000 $1,746,000 $69,000 $1,121,000
FHA-insured (Federal Housing Administration) 132 $15,540,000 $117,000 $275,000 $38,000 $204,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $5,583,000 $107,000 $204,000 $33,000 $67,000
VA-guaranteed (Veterans Administration) 39 $5,896,000 $151,000 $342,000 $34,000 $150,000

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 317 $41,461,000 $130,000 $1,746,000 $72,000 $1,121,000
Application Denied By Financial Institution 201 $19,315,000 $96,000 $415,000 $56,000 $324,000
Loan Purchased By The Institution 149 $18,747,000 $125,000 $385,000 $45,000 $658,000
Application Withdrawn By Applicant 67 $8,172,000 $121,000 $342,000 $51,000 $197,000
Application Approved But Not Accepted 33 $2,949,000 $89,000 $361,000 $57,000 $349,000
File Closed For Incompleteness 16 $2,105,000 $131,000 $332,000 $63,000 $204,000
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 62 $4,250,000 $68,000 $324,000 $47,000 $180,000
Debt-To-Income Ratio 29 $2,106,000 $72,000 $295,000 $43,000 $174,000
Collateral 20 $2,596,000 $129,000 $302,000 $72,000 $200,000
Credit Application Incomplete 12 $1,304,000 $108,000 $187,000 $91,000 $225,000
Other 9 $1,332,000 $148,000 $357,000 $83,000 $143,000
Unverifiable Information 3 $574,000 $191,000 $251,000 $55,000 $115,000
Insufficient Cash (Downpayment, Closing Cost) 2 $428,000 $214,000 $260,000 $88,000 $120,000
Employment History 1 $61,000 $61,000 $61,000 $40,000 $40,000
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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