Elbert County, GA Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 560 mortgage applications in Elbert County, GA totaling $80.9 million, down 22% from 2022. The average application was for $144,000, and applicants reported an average income of $79,000. 44% of applications resulted in an originated loan and 24% were denied. The most active lender was Pinnacle Bank, with 71 applications, followed by 21st Mortgage and Regions 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 560
Total Mortgage Loan Application Amount $80,910,000
Average Mortgage Loan Application Amount $144,000
Highest Mortgage Loan Application Amount $1,205,000
Average Applicant Income $79,000
Highest Applicant Income $541,000

Mortgage Company List for Lending in Elbert County, GA for 2023

* 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
* $ 2,038,739,000 71 $ 9,215,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 46 $ 6,380,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 36 $ 2,690,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 26 $ 4,030,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 16 $ 2,280,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 16 $ 1,070,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 16 $ 3,310,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 15 $ 2,945,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 13 $ 2,835,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 12 $ 1,870,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 1,905,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 11 $ 1,425,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 1,350,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 9 $ 1,625,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 1,455,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 8 $ 1,510,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,520,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 1,545,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 2,035,663,000 6 $ 350,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 6 $ 540,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 23,954,627,000 6 $ 690,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 6 $ 240,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 820,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 6 $ 570,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 855,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 5 $ 725,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 535,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 5 $ 775,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 5 $ 875,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 5 $ 765,000
Aggeorgia Farm Credit
468 PERRY PKWY
PERRY, GA 31069
* $ -1,000 5 $ 675,000
The Commercial Bank
102 N. CHURCH STREET
CRAWFORD, GA 30630
* $ 422,053,000 4 $ 510,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 4 $ 220,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 24,967,889,000 4 $ 750,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 109,180,139,000 4 $ 290,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 4 $ 440,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 225,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
KENNESAW, GA 30144
* $ -1,000 3 $ 435,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 3 $ 285,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 755,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 555,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 59,629,623,000 3 $ 465,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 3 $ 475,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 43,900,126,000 3 $ 125,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 505,000
Mortgage Assurance Inc
333 NORTH POINT CENTER E SUITE 230
ALPHARETTA, GA 30022
* $ -1,000 3 $ 1,105,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 250,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 140,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 330,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 2 $ 220,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 2 $ 350,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 4,739,869,000 2 $ 500,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 950,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 2 $ 110,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 770,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 9,251,719,000 2 $ 300,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 10,000
Robins Financial Credit Union
803 WATSON BOULEVARD
WARNER ROBINS, GA 31095
* $ 4,329,298,000 2 $ 170,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,725,398,000 2 $ 340,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 2 $ 190,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 12,354,380,000 2 $ 250,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 2 $ 260,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 215,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 255,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 165,000
First American Bank
300 COLLEGE AVE
ATHENS, GA 30607
* $ 870,953,000 1 $ 85,000
Suncoast Credit Union
6801 E HILLSBOROUGH AVE
TAMPA, FL 33610
* $ 16,217,374,000 1 $ 15,000
The Piedmont Bank
5100 PEACHTREE PARKWAY
PEACHTREE CORNERS, GA 30092
* $ 1,872,528,000 1 $ 295,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 1 $ 35,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 395,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 1 $ 145,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 145,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 195,000
Peach State Bank and Trust
325 WASHINGTON STREET
GAINESVILLE, GA 30501
* $ 602,983,000 1 $ 445,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 95,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 115,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 275,000
Banksouth Mortgage Company LLC
6340 LAKE OCONEE PARKWAY SUITE 202
GREENSBORO, GA 30642
* $ -1,000 1 $ 185,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 75,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 175,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 125,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 1 $ 215,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 1 $ 55,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 155,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 1 $ 65,000
Tampa Bay Federal Credit Union
PO BOX 7492
TAMPA, FL 33603
* $ 407,366,000 1 $ 85,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 225,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 985,740,000 1 $ 115,000
Oconee Federal Savings and Loan Association
115 E NORTH 2ND ST
SENECA, SC 29678
* $ 566,560,000 1 $ 195,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 1 $ 175,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 425,000
Srp Federal Credit Union
1070 EDGEFIELD ROAD
NORTH AUGUSTA, SC 29841
* $ 1,661,156,000 1 $ 105,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 4,131,234,000 1 $ 75,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 325,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ -1,000 1 $ 275,000
Oconee State Bank
P.O. BOX 205
WATKINSVILLE, GA 30677
* $ 536,503,000 1 $ 45,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 195,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 105,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 1 $ 215,000
Acu
P.O. BOX 923028
PEACHTREE CORNERS, GA 30092
* $ 2,127,930,000 1 $ 465,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 255,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 155,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 175,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 1 $ 275,000

The tables below break down 2023 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 2023

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 308 $53,320,000 $173,000 $1,205,000 $77,000 $476,000
Cash-out Refinancing 83 $12,595,000 $151,000 $425,000 $74,000 $439,000
Refinancing 66 $7,970,000 $120,000 $995,000 $97,000 $541,000
Other Purpose 55 $3,915,000 $71,000 $305,000 $75,000 $436,000
Home Improvement 38 $2,740,000 $72,000 $305,000 $85,000 $348,000
Not Applicable 10 $370,000 $37,000 $65,000 $0 $0

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 315 $44,515,000 $141,000 $565,000 $85,000 $541,000
Black or African American 81 $9,825,000 $121,000 $355,000 $54,000 $219,000
Not applicable 70 $10,740,000 $153,000 $995,000 $31,000 $39,000
Not Provided 55 $9,365,000 $170,000 $1,205,000 $80,000 $439,000
Hispanic 27 $4,515,000 $167,000 $725,000 $93,000 $436,000
American Indian or Alaskan Native 6 $880,000 $146,000 $265,000 $67,000 $84,000
Asian 5 $755,000 $151,000 $285,000 $39,000 $52,000
Native Hawaiian or Other Pacific Islander 1 $315,000 $315,000 $315,000 $80,000 $80,000

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) 369 $47,885,000 $129,000 $1,205,000 $85,000 $541,000
FHA-insured (Federal Housing Administration) 113 $17,705,000 $156,000 $425,000 $63,000 $264,000
VA-guaranteed (Veterans Administration) 50 $10,880,000 $217,000 $565,000 $80,000 $176,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 28 $4,440,000 $158,000 $335,000 $66,000 $127,000

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 247 $38,755,000 $156,000 $1,205,000 $90,000 $541,000
Application Denied By Financial Institution 132 $14,890,000 $112,000 $725,000 $57,000 $264,000
Application Withdrawn By Applicant 61 $9,455,000 $155,000 $465,000 $71,000 $219,000
Loan Purchased By The Institution 59 $9,105,000 $154,000 $435,000 $120,000 $294,000
File Closed For Incompleteness 48 $6,910,000 $143,000 $355,000 $83,000 $439,000
Application Approved But Not Accepted 12 $1,370,000 $114,000 $395,000 $88,000 $222,000
Preapproval Approved but not Accepted 1 $425,000 $425,000 $425,000 $130,000 $130,000
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
Not applicable 363 $56,465,000 $155,000 $565,000 $84,000 $541,000
Debt-To-Income Ratio 103 $13,225,000 $128,000 $1,205,000 $80,000 $359,000
Credit History 43 $5,445,000 $126,000 $725,000 $61,000 $220,000
Collateral 19 $2,065,000 $108,000 $395,000 $75,000 $264,000
Other 11 $1,285,000 $116,000 $215,000 $63,000 $132,000
Credit Application Incomplete 10 $820,000 $82,000 $145,000 $56,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 5 $615,000 $123,000 $175,000 $51,000 $95,000
Unverifiable Information 4 $690,000 $172,000 $425,000 $76,000 $123,000
Employment History 2 $300,000 $150,000 $165,000 $42,000 $48,000
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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