Franklin County, GA Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 806 mortgage applications in Franklin County, GA totaling $149.4 million, up 3% from 2012. The average application was for $185,000, and applicants reported an average income of $74,000. 45% of applications resulted in an originated loan and 27% were denied. The most active lender was First Citizens Bank & Trust Co, with 81 applications, followed by Wells Fargo Bank NA and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 806
Total Mortgage Loan Application Amount $149,395,000
Average Mortgage Loan Application Amount $185,000
Highest Mortgage Loan Application Amount $49,328,000
Average Applicant Income $74,000
Highest Applicant Income $1,560,000

Mortgage Company List for Lending in Franklin County, GA for 2013

* 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
First Citizens Bank & Trust Co
1230 MAIN STREET
COLUMBIA, SC 29201
* $ 8,188,497,000 81 $ 11,056,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 75 $ 9,192,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 55 $ 5,772,000
Pinnacle Bank
884 ELBERT STREET
ELBERTON, GA 30635
* $ 578,956,000 41 $ 8,150,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 34 $ 4,779,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 30 $ 2,020,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ 45,240,000 30 $ 3,531,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 30 $ 3,830,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 120,420,787,000 24 $ 2,903,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 21 $ 2,430,000
United Community Bank
PO BOX 398
BLAIRSVILLE, GA 30512
* $ 6,794,846,000 21 $ 2,214,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 26,425,077,000 20 $ 1,040,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 5,130,184,000 18 $ 1,476,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 13 $ 1,291,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 11 $ 1,552,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 11 $ 1,911,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 11 $ 1,429,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 11 $ 1,438,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 11 $ 1,590,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 10 $ 1,540,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 9 $ 1,189,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 8 $ 891,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 7 $ 843,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ 10,000,000 7 $ 1,095,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 7 $ 962,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 6 $ 840,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 6 $ 950,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 1,118,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 5 $ 804,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 369,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 5 $ 531,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 169,076,807,000 5 $ 360,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 4 $ 374,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 393,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 4 $ 470,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 4 $ 373,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 701,000
First Madison Bank & Trust
780 HIGHWAY 29 NORTH
ATHENS, GA 30601
* $ 153,792,000 4 $ 202,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 3 $ 313,000
Credit Union Financial Services, LLC
2476 LAWRENCEVILLE HIGHWAY SUITE 101
DECATUR, GA 30033
* $ 81,511,000 3 $ 372,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 249,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 3 $ 313,000
Banksouth
6340 LAKE OCONEE PARKWAY
GREENSBORO, GA 30642
* $ 351,778,000 3 $ 368,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 3 $ 131,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 3 $ 235,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 1,728,838,000 3 $ 144,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 3 $ 524,000
Anderson Federal Credit Union
PO BOX 2427
ANDERSON, SC 29622
* $ 90,005,000 3 $ 339,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 2 $ 37,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 2 $ 49,529,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 220,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 2,474,447,000 2 $ 356,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,209,458,000 2 $ 172,000
First American Bank
300 COLLEGE AVE
ATHENS, GA 30607
* $ 547,311,000 2 $ 306,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 925,004,000 2 $ 232,000
Hamilton State Bank
1907 HWY 211
HOSCHTON, GA 30548
* $ 1,369,137,000 2 $ 235,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 216,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,169,063,000 1 $ 95,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 67,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 180,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 77,000
Peach State Federal Credit Union
1505 LAKES PARKWAY, SUITE 100
LAWRENCEVILLE, GA 30043
* $ 231,020,000 1 $ 56,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 4,736,022,000 1 $ 67,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,230,791,000 1 $ 162,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 1,094,422,000 1 $ 55,000
Mountain Valley Community Bank
136 N MAIN ST
CLEVELAND, GA 30528
* $ 144,713,000 1 $ 45,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ 0 1 $ 168,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 102,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ 10,000,000 1 $ 199,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 78,379,000 1 $ 170,000
Certusbank, N.A.
2 WEST WASHINGTON STREET 5TH FLOOR
GREENVILLE, SC 29601
* $ 1,822,137,000 1 $ 136,000
Acu
P.O. BOX 923028
PEACHTREE CORNERS, GA 30092
* $ 1,275,875,000 1 $ 63,000
Westside Bank
56 HIRAM DRIVE
HIRAM, GA 30141
* $ 130,017,000 1 $ 33,000
Verity Bank
94 WEST ATHENS ST
WINDER, GA 30680
* $ 172,433,000 1 $ 8,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 1 $ 171,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 118,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 53,000
F & M Bank
911 EAST ROBERT TOOMBS AVE
WASHINGTON, GA 30673
* $ 290,269,000 1 $ 9,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 216,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 150,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ 10,000,000 1 $ 120,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 194,000
Terrace Mortgage Company
900 ASHWOOD PKWY. STE. 130
ATLANTA, GA 30338
* $ 40,450,000 1 $ 135,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 245,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ 40,000,000 1 $ 162,000
Silverton Mortgage Specialists, Inc.
1201 PEACHTREE STREET NE STE 2050
ATLANTA, GA 30361
* $ 10,000,000 1 $ 210,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 97,000
The Brand Banking Company
106 CROGAN ST
LAWRENCEVILLE, GA 30046
* $ 1,431,925,000 1 $ 49,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 320,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 100,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 64,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 180,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,232,230,000 1 $ 200,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 429,180,000 1 $ 198,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 52,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 107,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 112,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 184,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 78,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 1 $ 200,000
The Commercial Bank
102 N. CHURCH STREET
CRAWFORD, GA 30630
* $ 99,038,000 1 $ 219,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 13,058,734,000 1 $ 44,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 195,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 145,000
Robins Financial Credit Union
803 WATSON BOULEVARD
WARNER ROBINS, GA 31093
* $ 1,741,446,000 1 $ 85,000

The tables below break down 2013 mortgage applications in Franklin 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 Franklin 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 504 $121,585,000 $241,000 $49,328,000 $77,000 $1,560,000
Home Purchase 255 $25,799,000 $101,000 $334,000 $67,000 $1,481,000
Home Improvement 47 $2,011,000 $42,000 $225,000 $80,000 $342,000

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 661 $80,803,000 $122,000 $752,000 $76,000 $1,560,000
Not Provided 56 $6,580,000 $117,000 $354,000 $64,000 $355,000
Not applicable 41 $53,899,000 $1,314,000 $49,328,000 $62,000 $904,000
Black or African American 24 $3,428,000 $142,000 $1,000,000 $58,000 $250,000
Hispanic 15 $1,907,000 $127,000 $244,000 $50,000 $89,000
Asian 8 $2,773,000 $346,000 $955,000 $116,000 $299,000
American Indian or Alaskan Native 1 $5,000 $5,000 $5,000 $29,000 $29,000
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) 603 $76,160,000 $126,000 $1,000,000 $88,000 $1,560,000
FHA-insured (Federal Housing Administration) 109 $62,367,000 $572,000 $49,328,000 $32,000 $145,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 61 $6,586,000 $107,000 $199,000 $35,000 $75,000
VA-guaranteed (Veterans Administration) 33 $4,282,000 $129,000 $400,000 $40,000 $120,000

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 364 $46,500,000 $127,000 $955,000 $90,000 $1,560,000
Application Denied By Financial Institution 219 $24,438,000 $111,000 $850,000 $55,000 $241,000
Loan Purchased By The Institution 94 $61,002,000 $648,000 $49,328,000 $66,000 $904,000
Application Withdrawn By Applicant 59 $7,623,000 $129,000 $417,000 $57,000 $180,000
Application Approved But Not Accepted 41 $4,372,000 $106,000 $272,000 $68,000 $403,000
File Closed For Incompleteness 28 $5,389,000 $192,000 $1,000,000 $93,000 $360,000
Preapproval Denied by Financial Institution 1 $71,000 $71,000 $71,000 $16,000 $16,000
Preapproval Approved but not Accepted 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 56 $4,822,000 $86,000 $354,000 $59,000 $241,000
Collateral 33 $4,554,000 $138,000 $334,000 $72,000 $178,000
Debt-To-Income Ratio 30 $3,754,000 $125,000 $334,000 $45,000 $117,000
Other 12 $1,213,000 $101,000 $226,000 $54,000 $213,000
Credit Application Incomplete 10 $1,048,000 $104,000 $252,000 $84,000 $172,000
Unverifiable Information 4 $477,000 $119,000 $210,000 $54,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 4 $415,000 $103,000 $176,000 $45,000 $61,000
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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