Emanuel County, GA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 423 mortgage applications in Emanuel County, GA totaling $57.0 million, down 16% from 2022. The average application was for $134,000, and applicants reported an average income of $76,000. 34% of applications resulted in an originated loan and 34% were denied. The most active lender was 21st Mortgage, with 76 applications, followed by Vanderbilt Mortgage and Finance, Inc and Robins Financial Credit Union.
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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 | 423 |
| Total Mortgage Loan Application Amount | $56,995,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $500,000 |
* 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 |
* | $ -1,000 | 76 | $ 11,120,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 39 | $ 3,345,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31095 |
* | $ 4,329,298,000 | 24 | $ 1,400,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 2,105,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 11 | $ 615,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 10 | $ 1,960,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 9 | $ 705,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 1,010,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,530,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 710,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 6 | $ 960,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 590,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 6 | $ 740,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 5 | $ 645,000 |
| Midland Mortgage Corporation 1500 RICHLAND STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 5 | $ 745,000 |
| Banksouth Mortgage Company LLC 6340 LAKE OCONEE PARKWAY SUITE 202 GREENSBORO, GA 30642 |
* | $ -1,000 | 5 | $ 555,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 4 | $ 1,280,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 120,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 4 | $ 560,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 560,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 380,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 4 | $ 700,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 640,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 480,000 |
| Queensborough National Bank and Trust 3617 WALTON WAY EXT. LOUISVILLE, GA 30434 |
* | $ 1,897,811,000 | 4 | $ 350,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 3 | $ 735,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 3 | $ 245,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 3 | $ 715,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 3 | $ 475,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 3 | $ 515,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 3 | $ 405,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 265,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 3 | $ 435,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 335,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 3 | $ 505,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 775,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 3 | $ 265,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 325,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 3 | $ 605,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 585,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 655,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 310,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 260,000 |
| Bank of Dudley 200 W JACKSON ST DUBLIN, GA 31021 |
* | $ 346,344,000 | 2 | $ 110,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 2 | $ 300,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 2 | $ 170,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 150,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 59,629,623,000 | 2 | $ 90,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 280,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 430,000 |
| First State Bank 300 BROAD ST WRENS, GA 30833 |
* | $ 350,306,000 | 2 | $ 140,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 2 | $ 80,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 2 | $ 410,000 |
| Glennville Bank P.O. BOX 278 GLENNVILLE, GA 30427 |
* | $ 375,354,000 | 2 | $ 420,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 800,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 130,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 2,927,951,000 | 2 | $ 310,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 240,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 155,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 135,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 175,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 1 | $ 185,000 |
| United Bank PO BOX 1337 ZEBULON, GA 30295 |
* | $ 2,419,852,000 | 1 | $ 245,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 135,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 1 | $ 15,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 135,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 75,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 105,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 2,035,663,000 | 1 | $ 55,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 1 | $ 35,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 225,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 65,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 1 | $ 265,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 265,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 3,098,582,000 | 1 | $ 235,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 205,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 1 | $ 115,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 379,838,000 | 1 | $ 25,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 205,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 265,000 |
| Interstate Credit Union 705 WEST CHERRY STREET JESUP, GA 31545 |
* | $ 308,642,000 | 1 | $ 105,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 395,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 75,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 205,000 |
| Cazle Mortgage, Inc. 3 E HENRIETTA ST BALTIMORE, MD 21220 |
* | $ -1,000 | 1 | $ 195,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 305,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 175,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 155,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ -1,000 | 1 | $ 205,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ -1,000 | 1 | $ 215,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 175,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 115,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 125,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 185,000 |
| Morris Bank 301 BELLEVUE AVENUE DUBLIN, GA 31021 |
* | $ 1,426,476,000 | 1 | $ 35,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,508,761,000 | 1 | $ 125,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 125,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 145,000 |
| Cityworth Mortgage LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ -1,000 | 1 | $ 215,000 |
The tables below break down 2023 mortgage applications in Emanuel 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 Emanuel 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 | 270 | $41,120,000 | $152,000 | $425,000 | $75,000 | $260,000 |
| Cash-out Refinancing | 52 | $7,990,000 | $153,000 | $525,000 | $73,000 | $206,000 |
| Refinancing | 34 | $4,670,000 | $137,000 | $415,000 | $89,000 | $212,000 |
| Home Improvement | 27 | $1,305,000 | $48,000 | $155,000 | $81,000 | $500,000 |
| Other Purpose | 26 | $1,530,000 | $58,000 | $155,000 | $69,000 | $200,000 |
| Not Applicable | 14 | $380,000 | $27,000 | $45,000 | $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 | 192 | $26,800,000 | $139,000 | $525,000 | $82,000 | $500,000 |
| Black or African American | 108 | $14,820,000 | $137,000 | $425,000 | $69,000 | $196,000 |
| Not Provided | 50 | $6,910,000 | $138,000 | $395,000 | $69,000 | $251,000 |
| Not applicable | 48 | $5,440,000 | $113,000 | $305,000 | $0 | $0 |
| Hispanic | 19 | $2,365,000 | $124,000 | $275,000 | $59,000 | $135,000 |
| American Indian or Alaskan Native | 3 | $295,000 | $98,000 | $145,000 | $90,000 | $151,000 |
| Asian | 3 | $365,000 | $121,000 | $225,000 | $111,000 | $215,000 |
| 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) | 277 | $32,555,000 | $117,000 | $425,000 | $80,000 | $500,000 |
| FHA-insured (Federal Housing Administration) | 95 | $14,985,000 | $157,000 | $315,000 | $65,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 35 | $6,725,000 | $192,000 | $525,000 | $72,000 | $206,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,730,000 | $170,000 | $265,000 | $64,000 | $91,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 143 | $17,765,000 | $124,000 | $525,000 | $68,000 | $500,000 |
| Loan Originated | 142 | $20,950,000 | $147,000 | $425,000 | $83,000 | $260,000 |
| Application Withdrawn By Applicant | 45 | $7,155,000 | $159,000 | $415,000 | $78,000 | $212,000 |
| Loan Purchased By The Institution | 43 | $5,075,000 | $118,000 | $305,000 | $0 | $0 |
| File Closed For Incompleteness | 42 | $5,090,000 | $121,000 | $285,000 | $74,000 | $209,000 |
| Application Approved But Not Accepted | 8 | $960,000 | $120,000 | $225,000 | $75,000 | $215,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 274 | $38,920,000 | $142,000 | $425,000 | $80,000 | $260,000 |
| Credit History | 77 | $8,765,000 | $113,000 | $285,000 | $69,000 | $500,000 |
| Debt-To-Income Ratio | 38 | $5,300,000 | $139,000 | $395,000 | $60,000 | $153,000 |
| Collateral | 13 | $1,785,000 | $137,000 | $525,000 | $72,000 | $206,000 |
| Credit Application Incomplete | 7 | $575,000 | $82,000 | $195,000 | $108,000 | $192,000 |
| Unverifiable Information | 7 | $605,000 | $86,000 | $155,000 | $77,000 | $199,000 |
| Employment History | 3 | $535,000 | $178,000 | $265,000 | $54,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $210,000 | $105,000 | $135,000 | $55,000 | $65,000 |
| Other | 2 | $300,000 | $150,000 | $255,000 | $88,000 | $99,000 |
| 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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