Evans County, GA Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 278 mortgage applications in Evans County, GA totaling $26.3 million, up 14% from 2011. The average application was for $94,000, and applicants reported an average income of $53,000. 57% of applications resulted in an originated loan and 20% were denied. The most active lender was Glennville Bank, with 60 applications, followed by Wells Fargo Bank NA and Truist Bank.

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Total Number of Mortgage Applications 278
Total Mortgage Loan Application Amount $26,250,000
Average Mortgage Loan Application Amount $94,000
Highest Mortgage Loan Application Amount $830,000
Average Applicant Income $53,000
Highest Applicant Income $312,000

Mortgage Company List for Lending in Evans 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
Glennville Bank
P.O. BOX 278
GLENNVILLE, GA 30427
* $ 137,181,000 60 $ 3,311,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 28 $ 3,396,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 18 $ 1,880,000
South Georgia Bank
401 S. VETERANS BLVD.
GLENNVILLE, GA 30427
* $ 132,120,000 12 $ 606,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 11 $ 1,331,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ 10,000,000 11 $ 1,250,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 469,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 6 $ 803,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 6 $ 792,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,140,407,000 6 $ 451,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 5 $ 817,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 1,086,660,000 5 $ 127,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 5 $ 834,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 4 $ 268,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 708,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 4 $ 397,000
The Coastal Bank
P O BOX 9585
SAVANNAH, GA 31412
* $ 443,004,000 3 $ 454,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 893,021,000 3 $ 140,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 3 $ 284,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 3 $ 259,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 3 $ 344,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 247,000
Queensborough National Bank and Trust
3617 WALTON WAY EXT.
LOUISVILLE, GA 30434
* $ 875,283,000 2 $ 146,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 2 $ 117,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 336,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 248,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 242,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 171,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 207,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,788,680,000 2 $ 109,000
S Bank
205 S VETERANS BLVD
GLENNVILLE, GA 30427
* $ 99,044,000 2 $ 111,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,562,678,000 2 $ 78,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 2 $ 280,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,664,742,000 1 $ 140,000
Bryan Bank and Trust
P O BOX 1299
RICHMOND HILL, GA 31324
* $ 239,631,000 1 $ 14,000
Talbot State Bank
710 NORTH GLYNN STREET
FAYETTEVILLE, GA 30214
* $ 71,306,000 1 $ 2,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 1 $ 9,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 477,611,000 1 $ 147,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 69,289,000 1 $ 40,000
Viewpoint Bank, N.A.
1309 W 15TH, SUITE 302
PLANO, TX 75075
* $ 3,179,743,000 1 $ 113,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 26,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 50,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 14,000
Direct Lenders, Llc.
1600 KENNESAW DUE WEST ROAD SUITE 610
KENNESAW, GA 30152
* $ 1,250,000 1 $ 113,000
Credit Union Financial Services, LLC
2476 LAWRENCEVILLE HIGHWAY SUITE 101
DECATUR, GA 30033
* $ 81,511,000 1 $ 130,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 3,003,189,000 1 $ 124,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 2,231,779,000 1 $ 152,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 118,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 91,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 76,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 65,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 165,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 68,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 171,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 124,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 26,863,303,000 1 $ 43,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 1 $ 56,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 1 $ 90,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 105,000
First Bank of Georgia
2743 PERIMETER PKWY BLD 100, SUITE 100
AUGUSTA, GA 30909
* $ 493,073,000 1 $ 285,000
Georgia B&Tc of Augusta
P O BOX 15367
AUGUSTA, GA 30919
* $ 1,610,361,000 1 $ 87,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 230,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 63,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 1 $ 77,000

The tables below break down 2012 mortgage applications in Evans 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 Evans 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 189 $19,578,000 $103,000 $830,000 $57,000 $312,000
Home Purchase 64 $5,557,000 $86,000 $352,000 $44,000 $159,000
Home Improvement 25 $1,115,000 $44,000 $199,000 $51,000 $208,000

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 195 $20,598,000 $105,000 $830,000 $61,000 $228,000
Black or African American 43 $2,134,000 $49,000 $165,000 $32,000 $159,000
Not applicable 18 $1,506,000 $83,000 $147,000 $13,000 $63,000
Not Provided 18 $1,610,000 $89,000 $224,000 $61,000 $312,000
Hispanic 2 $82,000 $41,000 $50,000 $49,000 $60,000
American Indian or Alaskan Native 1 $90,000 $90,000 $90,000 $34,000 $34,000
Asian 1 $230,000 $230,000 $230,000 $80,000 $80,000
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) 225 $20,148,000 $89,000 $830,000 $57,000 $312,000
FHA-insured (Federal Housing Administration) 34 $3,550,000 $104,000 $224,000 $35,000 $149,000
VA-guaranteed (Veterans Administration) 17 $2,325,000 $136,000 $363,000 $38,000 $128,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $227,000 $113,000 $145,000 $51,000 $61,000

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 158 $13,333,000 $84,000 $830,000 $53,000 $312,000
Application Denied By Financial Institution 56 $5,328,000 $95,000 $265,000 $50,000 $169,000
Application Withdrawn By Applicant 23 $2,879,000 $125,000 $243,000 $72,000 $156,000
Loan Purchased By The Institution 21 $2,600,000 $123,000 $285,000 $50,000 $228,000
File Closed For Incompleteness 11 $1,103,000 $100,000 $230,000 $53,000 $80,000
Application Approved But Not Accepted 9 $1,007,000 $111,000 $347,000 $43,000 $90,000
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 15 $1,170,000 $78,000 $264,000 $48,000 $168,000
Debt-To-Income Ratio 11 $1,083,000 $98,000 $187,000 $40,000 $93,000
Collateral 8 $808,000 $101,000 $151,000 $83,000 $169,000
Other 5 $555,000 $111,000 $187,000 $38,000 $65,000
Credit Application Incomplete 4 $450,000 $112,000 $199,000 $61,000 $112,000
Unverifiable Information 3 $321,000 $107,000 $150,000 $26,000 $29,000
Insufficient Cash (Downpayment, Closing Cost) 1 $265,000 $265,000 $265,000 $96,000 $96,000
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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