Elbert County, GA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 549 mortgage applications in Elbert County, GA totaling $60.7 million, up 2% from 2012. The average application was for $110,000, and applicants reported an average income of $58,000. 46% of applications resulted in an originated loan and 24% were denied. The most active lender was Pinnacle Bank, with 80 applications, followed by Regions Bank and Wells Fargo Bank NA.
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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 | 549 |
| Total Mortgage Loan Application Amount | $60,692,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $1,150,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $678,000 |
* 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 |
|---|---|---|---|---|
| Pinnacle Bank 884 ELBERT STREET ELBERTON, GA 30635 |
* | $ 578,956,000 | 80 | $ 8,982,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 69 | $ 6,000,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 56 | $ 5,263,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 22 | $ 2,539,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 21 | $ 2,350,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 16 | $ 1,436,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 12 | $ 596,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 10 | $ 1,042,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 9 | $ 871,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 1,140,000 |
| Community & Southern Bank 3333 RIVERWOOD PARKWAY SUITE #350 ATLANTA, GA 30339 |
* | $ 2,585,937,000 | 9 | $ 1,277,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 906,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 8 | $ 832,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 8 | $ 862,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 543,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 8 | $ 578,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 8 | $ 1,279,000 |
| The Commercial Bank 102 N. CHURCH STREET CRAWFORD, GA 30630 |
* | $ 99,038,000 | 6 | $ 568,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 6 | $ 1,327,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 6 | $ 751,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 852,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 8,188,497,000 | 5 | $ 434,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 634,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 4 | $ 316,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 597,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,169,063,000 | 4 | $ 515,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 26,425,077,000 | 4 | $ 136,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 405,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 3 | $ 536,000 |
| First Madison Bank & Trust 780 HIGHWAY 29 NORTH ATHENS, GA 30601 |
* | $ 153,792,000 | 3 | $ 241,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 330,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 2 | $ 197,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 189,000 |
| First American Bank 300 COLLEGE AVE ATHENS, GA 30607 |
* | $ 547,311,000 | 2 | $ 150,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 6,794,846,000 | 2 | $ 271,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 226,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 925,004,000 | 2 | $ 286,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 5,130,184,000 | 2 | $ 80,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 168,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 192,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 199,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 2 | $ 304,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 2 | $ 168,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 2 | $ 255,000 |
| Acu P.O. BOX 923028 PEACHTREE CORNERS, GA 30092 |
* | $ 1,275,875,000 | 2 | $ 352,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 2 | $ 644,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 2 | $ 398,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 223,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 118,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 3,016,309,000 | 1 | $ 279,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 85,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,209,458,000 | 1 | $ 65,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 1 | $ 125,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 143,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 126,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 68,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 172,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 25,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 105,000 |
| Georgia B&Tc of Augusta P O BOX 15367 AUGUSTA, GA 30919 |
* | $ 1,657,955,000 | 1 | $ 200,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 86,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 1,195,416,000 | 1 | $ 230,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 245,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 83,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 93,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 380,000 |
| Peach State Federal Credit Union 1505 LAKES PARKWAY, SUITE 100 LAWRENCEVILLE, GA 30043 |
* | $ 231,020,000 | 1 | $ 50,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 124,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 361,165,000 | 1 | $ 50,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 131,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 235,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ 40,000,000 | 1 | $ 125,000 |
| The National Bank of Georgia 2234 WEST BROAD STREET ATHENS, GA 30606 |
* | $ 315,866,000 | 1 | $ 240,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 102,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 448,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 50,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 134,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 24,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 61,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 13,199,987,000 | 1 | $ 108,000 |
| Anderson Federal Credit Union PO BOX 2427 ANDERSON, SC 29622 |
* | $ 90,005,000 | 1 | $ 34,000 |
The tables below break down 2013 mortgage applications in Elbert 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 Elbert County, GA in 2013
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 | 395 | $49,029,000 | $124,000 | $1,150,000 | $65,000 | $678,000 |
| Home Purchase | 126 | $10,531,000 | $83,000 | $247,000 | $40,000 | $313,000 |
| Home Improvement | 28 | $1,132,000 | $40,000 | $161,000 | $48,000 | $180,000 |
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 | 385 | $44,696,000 | $116,000 | $1,150,000 | $67,000 | $678,000 |
| Black or African American | 60 | $4,055,000 | $67,000 | $145,000 | $42,000 | $101,000 |
| Not applicable | 51 | $5,897,000 | $115,000 | $448,000 | $11,000 | $132,000 |
| Not Provided | 42 | $5,411,000 | $128,000 | $454,000 | $64,000 | $420,000 |
| Hispanic | 9 | $506,000 | $56,000 | $173,000 | $43,000 | $106,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $22,000 | $22,000 |
| Asian | 1 | $124,000 | $124,000 | $124,000 | $60,000 | $60,000 |
| 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) | 410 | $44,817,000 | $109,000 | $1,150,000 | $65,000 | $678,000 |
| FHA-insured (Federal Housing Administration) | 73 | $7,539,000 | $103,000 | $217,000 | $36,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 39 | $5,913,000 | $151,000 | $454,000 | $48,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,423,000 | $89,000 | $157,000 | $33,000 | $68,000 |
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 | 255 | $28,050,000 | $110,000 | $1,150,000 | $62,000 | $678,000 |
| Application Denied By Financial Institution | 132 | $13,650,000 | $103,000 | $454,000 | $56,000 | $420,000 |
| Application Withdrawn By Applicant | 55 | $7,393,000 | $134,000 | $402,000 | $63,000 | $373,000 |
| Loan Purchased By The Institution | 52 | $5,954,000 | $114,000 | $448,000 | $34,000 | $138,000 |
| Application Approved But Not Accepted | 30 | $2,656,000 | $88,000 | $190,000 | $58,000 | $600,000 |
| File Closed For Incompleteness | 25 | $2,989,000 | $119,000 | $292,000 | $72,000 | $540,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 18 | $2,478,000 | $137,000 | $300,000 | $85,000 | $420,000 |
| Credit History | 17 | $1,604,000 | $94,000 | $200,000 | $69,000 | $272,000 |
| Debt-To-Income Ratio | 13 | $1,369,000 | $105,000 | $176,000 | $33,000 | $61,000 |
| Credit Application Incomplete | 9 | $1,608,000 | $178,000 | $454,000 | $58,000 | $180,000 |
| Other | 8 | $842,000 | $105,000 | $155,000 | $53,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $191,000 | $63,000 | $90,000 | $42,000 | $82,000 |
| Unverifiable Information | 2 | $217,000 | $108,000 | $166,000 | $82,000 | $133,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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