Franklin County, FL Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 639 mortgage applications in Franklin County, FL totaling $138.5 million, up 14% from 2011. The average application was for $216,000, and applicants reported an average income of $157,000. 47% of applications resulted in an originated loan and 21% were denied. The most active lender was Wells Fargo Bank NA, with 83 applications, followed by Centennial Bank and Prospect Mortgage, LLC.

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Total Number of Mortgage Applications 639
Total Mortgage Loan Application Amount $138,537,000
Average Mortgage Loan Application Amount $216,000
Highest Mortgage Loan Application Amount $1,510,000
Average Applicant Income $157,000
Highest Applicant Income $1,835,000

Mortgage Company List for Lending in Franklin County, FL 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 83 $ 18,048,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 3,588,241,000 65 $ 6,435,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 44 $ 14,237,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 41 $ 9,204,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,074,816,000 31 $ 2,801,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 30 $ 9,698,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 20 $ 5,204,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 19 $ 3,149,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 17 $ 868,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 17 $ 1,093,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,617,318,000 16 $ 4,020,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 10 $ 3,199,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 10 $ 3,154,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 10 $ 5,280,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 9 $ 2,254,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 3,907,053,000 9 $ 798,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 9 $ 760,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 9 $ 3,481,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 9 $ 2,104,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 7 $ 1,973,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 6 $ 1,262,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 5 $ 1,150,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 914,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 3,003,189,000 5 $ 907,000
Envision Credit Union
440 NORTH MONROE ST.
TALLAHASSEE, FL 32301
* $ 229,476,000 4 $ 473,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 447,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 3 $ 656,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 3 $ 873,000
Prime Meridian Bank
1897 CAPITAL CIRCLE NE
TALLAHASSEE, FL 32312
* $ 139,403,000 3 $ 1,164,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 3 $ 1,100,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 3 $ 952,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,291,705,000 3 $ 1,279,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 669,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 475,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 523,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 2 $ 582,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 402,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 236,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 2 $ 359,000
Bank of North Carolina
3980 PREMIER DR. STE 150
HIGH POINT, NC 27265
* $ 2,453,584,000 2 $ 524,000
Guardian Bank
701 WILDWOOD PLANTATION DR.
VALDOSTA, GA 31604
* $ 229,137,000 2 $ 1,078,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 477,611,000 2 $ 450,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 713,000
Sunshine Savings Bank
1400 E. PARK AVENUE
TALLAHAASSEE, FL 32301
* $ 145,220,000 2 $ 117,000
First Commerce Credit Union
2073 LAKE SUMMIT
TALLAHASSEE, FL 32310
* $ 349,230,000 2 $ 236,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 2,231,779,000 2 $ 641,000
Vystar Credit Union
4949 BLANDING BLVD
JACKSONVILLE, FL 32202
* $ 4,389,883,000 2 $ 330,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 369,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 978,405,000 2 $ 179,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 2 $ 319,000
Brand Mortgage Group, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ 1,195,416,000 2 $ 294,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 2 $ 535,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 102,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 10,000
United Bank
PO BOX 1337
ZEBULON, GA 30295
* $ 1,047,260,000 1 $ 310,000
Magnolia State Bank
130 OAK ST
EASTMAN, GA 31023
* $ 220,882,000 1 $ 297,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 987,157,000 1 $ 324,000
Coca-Cola Federal Credit Union
ONE COCA-COLA PLAZA NW
ATLANTA, GA 30313
* $ 159,645,000 1 $ 376,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 699,615,000 1 $ 128,000
Valley Bank
3455 AVENUE OF THE CITIES
MOLINE, IL 61265
* $ 616,985,000 1 $ 248,000
Citizens Community Bank
120 W. MAIN STREET
HAHIRA, GA 31632
* $ 117,978,000 1 $ 503,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 2,225,317,000 1 $ 417,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,163,507,000 1 $ 276,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,140,407,000 1 $ 30,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 90,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 1 $ 233,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 114,000
Colony Bank
302 SOUTH MAIN ST.
FITZGERALD, GA 31750
* $ 1,192,832,000 1 $ 49,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 4,172,543,000 1 $ 200,000
Campus USA Credit Union
14007 NW 1ST RD
NEWBERRY, FL 32669
* $ 1,080,639,000 1 $ 91,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,270,503,000 1 $ 276,000
Peoplessouth Bank
203 W CRAWFORD ST
COLQUITT, GA 39837
* $ 533,698,000 1 $ 36,000
The Citizens Bank
301 S DAVIS ST
NASHVILLE, GA 31639
* $ 287,297,000 1 $ 480,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 75,989,000 1 $ 175,000
Sunsouth Bank
108 JAMESTOWN BLVD.
DOTHAN, AL 36301
* $ 198,912,000 1 $ 151,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,612,081,000 1 $ 80,000
Jgb Bank, NA
8200 NW 33RD STREET
MIAMI, FL 33122
* $ 381,011,000 1 $ 501,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 11,676,671,000 1 $ 63,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 1 $ 172,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 300,000
Charterbank
1233 O.G. SKINNER DRIVE
WEST POINT, GA 31833
* $ 1,115,432,000 1 $ 148,000
River City Bank
228 NORTH 2ND AVENUE
ROME, GA 30165
* $ 182,263,000 1 $ 103,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 412,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 348,000
Whitney Bank
228 ST CHARLES AVE, SUITE 537
NEW ORLEANS, LA 70130
* $ 14,882,261,000 1 $ 180,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 103,790,000,000 1 $ 665,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 319,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 250,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 66,063,531,000 1 $ 242,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 200,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 20,493,569,000 1 $ 685,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 1 $ 25,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 211,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 345,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ 10,000,000 1 $ 184,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 345,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 194,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 128,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 1 $ 102,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 99,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 300,000
Dsld Mortgage LLC

BATON ROUGE, LA 70809
* $ 222,000 1 $ 320,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 417,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 61,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 320,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 130,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,264,044,000 1 $ 366,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,563,405,000 1 $ 140,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 1 $ 400,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 1 $ 175,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 25,359,999,000 1 $ 288,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 26,863,303,000 1 $ 62,000
Hancock Whitney Bank
2510 14TH STREET
GULFPORT, MS 39501
* $ 4,988,392,000 1 $ 390,000

The tables below break down 2012 mortgage applications in Franklin County, FL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Franklin County, FL 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 341 $80,307,000 $235,000 $1,015,000 $154,000 $1,835,000
Home Purchase 271 $56,524,000 $208,000 $1,510,000 $170,000 $1,822,000
Home Improvement 27 $1,706,000 $63,000 $344,000 $73,000 $398,000

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 507 $108,903,000 $214,000 $1,510,000 $161,000 $1,822,000
Not Provided 63 $15,651,000 $248,000 $1,044,000 $191,000 $1,835,000
Not applicable 47 $10,528,000 $224,000 $984,000 $67,000 $845,000
Black or African American 13 $2,074,000 $159,000 $999,000 $181,000 $1,200,000
Hispanic 7 $926,000 $132,000 $288,000 $169,000 $631,000
American Indian or Alaskan Native 1 $65,000 $65,000 $65,000 $59,000 $59,000
Asian 1 $390,000 $390,000 $390,000 $202,000 $202,000
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) 587 $131,421,000 $223,000 $1,510,000 $167,000 $1,835,000
FHA-insured (Federal Housing Administration) 29 $3,490,000 $120,000 $293,000 $62,000 $230,000
VA-guaranteed (Veterans Administration) 12 $2,729,000 $227,000 $417,000 $58,000 $182,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $897,000 $81,000 $130,000 $20,000 $37,000

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 300 $68,706,000 $229,000 $1,510,000 $190,000 $1,835,000
Application Denied By Financial Institution 135 $25,522,000 $189,000 $1,145,000 $110,000 $617,000
Application Withdrawn By Applicant 76 $16,992,000 $223,000 $999,000 $182,000 $1,822,000
Loan Purchased By The Institution 73 $16,238,000 $222,000 $984,000 $121,000 $845,000
Application Approved But Not Accepted 38 $6,079,000 $159,000 $665,000 $100,000 $655,000
File Closed For Incompleteness 17 $5,000,000 $294,000 $859,000 $135,000 $700,000
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 30 $2,182,000 $72,000 $417,000 $47,000 $182,000
Collateral 26 $8,390,000 $322,000 $1,145,000 $166,000 $403,000
Debt-To-Income Ratio 25 $4,794,000 $191,000 $641,000 $107,000 $312,000
Credit Application Incomplete 14 $3,482,000 $248,000 $500,000 $180,000 $617,000
Other 7 $2,187,000 $312,000 $820,000 $154,000 $466,000
Employment History 2 $473,000 $236,000 $417,000 $17,000 $35,000
Unverifiable Information 1 $75,000 $75,000 $75,000 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
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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