Franklin County, GA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 527 mortgage applications in Franklin County, GA totaling $68.0 million, down 35% from 2013. The average application was for $128,000, and applicants reported an average income of $67,000. 45% of applications resulted in an originated loan and 24% were denied. The most active lender was Homestar Financial Corporation, with 36 applications, followed by First Citizens Bank & Trust Co and Wells Fargo Bank NA.
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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 | 527 |
| Total Mortgage Loan Application Amount | $67,972,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $3,297,000 |
* 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 |
|---|---|---|---|---|
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 36 | $ 3,918,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 8,311,659,000 | 35 | $ 4,502,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 34 | $ 4,258,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 25,878,030,000 | 32 | $ 1,925,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 32 | $ 3,345,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 32 | $ 3,585,000 |
| Pinnacle Bank 884 ELBERT STREET ELBERTON, GA 30635 |
* | $ 591,943,000 | 30 | $ 5,344,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 23 | $ 1,485,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 18 | $ 4,822,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 17 | $ 1,867,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 17 | $ 1,809,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 13 | $ 1,110,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,392,483,000 | 11 | $ 785,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 10 | $ 1,510,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 9 | $ 2,976,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 7 | $ 939,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 638,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 6 | $ 587,000 |
| Banksouth 6340 LAKE OCONEE PARKWAY GREENSBORO, GA 30642 |
* | $ 354,733,000 | 5 | $ 507,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 784,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 359,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 509,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 4 | $ 785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 4 | $ 418,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 4 | $ 708,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 3 | $ 340,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 3 | $ 391,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 3 | $ 246,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 3 | $ 347,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 582,000 |
| First American Bank 300 COLLEGE AVE ATHENS, GA 30607 |
* | $ 499,424,000 | 3 | $ 267,000 |
| Community & Southern Bank 3333 RIVERWOOD PARKWAY SUITE #350 ATLANTA, GA 30339 |
* | $ 2,805,106,000 | 3 | $ 340,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 396,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 2,561,135,000 | 3 | $ 387,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 3 | $ 294,000 |
| First Madison Bank & Trust 780 HIGHWAY 29 NORTH ATHENS, GA 30601 |
* | $ 158,803,000 | 3 | $ 89,000 |
| Peach State Federal Credit Union 1505 LAKES PARKWAY, SUITE 100 LAWRENCEVILLE, GA 30043 |
* | $ 244,474,000 | 2 | $ 87,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 2 | $ 400,000 |
| Georgia B&Tc of Augusta P O BOX 15367 AUGUSTA, GA 30919 |
* | $ 1,687,075,000 | 2 | $ 177,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 278,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 321,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 2 | $ 345,000 |
| Silverton Mortgage Specialists, Inc. 1201 PEACHTREE STREET NE STE 2050 ATLANTA, GA 30361 |
* | $ 10,000,000 | 2 | $ 335,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 118,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 260,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 2 | $ 235,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 180,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 2 | $ 489,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 370,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 1,833,217,000 | 2 | $ 218,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 180,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 200,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 60,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 80,000 |
| Aurora Financial Group Inc 301 HARPER DRIVE SUITE 110 MOORESTOWN, NJ 08057 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 122,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 229,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 14,081,085,000 | 1 | $ 50,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 107,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 105,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ 0 | 1 | $ 145,000 |
| R M K Financial Corp. 1819 S. EXCISE AVENUE ONTARIO, CA 91761 |
* | $ 16,639,000 | 1 | $ 124,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 220,000 |
| The Brand Banking Company 106 CROGAN ST LAWRENCEVILLE, GA 30046 |
* | $ 1,688,232,000 | 1 | $ 184,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 1 | $ 4,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 116,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 1 | $ 88,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,033,309,000 | 1 | $ 60,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 1 | $ 3,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 232,000 |
| Coca-Cola Federal Credit Union ONE COCA-COLA PLAZA NW ATLANTA, GA 30313 |
* | $ 163,134,000 | 1 | $ 236,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 119,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 225,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 232,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 124,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 198,000 |
| American Home Mortgage ATLANTA, GA 30328 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 957,149,000 | 1 | $ 25,000 |
| Peoples Bank & Trust 1809 RED CRUCE COURT BUFORD, GA 30518 |
* | $ 274,455,000 | 1 | $ 3,000,000 |
| The Commercial Bank 102 N. CHURCH STREET CRAWFORD, GA 30630 |
* | $ 105,097,000 | 1 | $ 336,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 553,192,000 | 1 | $ 54,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 144,156,000 | 1 | $ 70,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,256,102,000 | 1 | $ 86,000 |
The tables below break down 2014 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 2014
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 | 254 | $27,509,000 | $108,000 | $417,000 | $51,000 | $649,000 |
| Refinancing | 241 | $38,697,000 | $160,000 | $3,000,000 | $82,000 | $3,297,000 |
| Home Improvement | 32 | $1,766,000 | $55,000 | $365,000 | $80,000 | $720,000 |
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 | 388 | $47,526,000 | $122,000 | $3,000,000 | $77,000 | $3,297,000 |
| Not applicable | 69 | $8,990,000 | $130,000 | $480,000 | $3,000 | $104,000 |
| Not Provided | 31 | $3,494,000 | $112,000 | $380,000 | $96,000 | $649,000 |
| Black or African American | 24 | $4,630,000 | $192,000 | $1,100,000 | $46,000 | $260,000 |
| Hispanic | 7 | $787,000 | $112,000 | $223,000 | $45,000 | $85,000 |
| Asian | 6 | $1,901,000 | $316,000 | $740,000 | $120,000 | $248,000 |
| American Indian or Alaskan Native | 2 | $644,000 | $322,000 | $324,000 | $87,000 | $110,000 |
| 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) | 344 | $47,425,000 | $137,000 | $3,000,000 | $86,000 | $3,297,000 |
| FHA-insured (Federal Housing Administration) | 92 | $10,257,000 | $111,000 | $271,000 | $33,000 | $243,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $7,315,000 | $106,000 | $184,000 | $23,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 22 | $2,975,000 | $135,000 | $346,000 | $44,000 | $100,000 |
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 | 235 | $30,765,000 | $130,000 | $3,000,000 | $89,000 | $3,297,000 |
| Application Denied By Financial Institution | 127 | $14,504,000 | $114,000 | $1,555,000 | $59,000 | $525,000 |
| Loan Purchased By The Institution | 78 | $9,542,000 | $122,000 | $271,000 | $13,000 | $118,000 |
| Application Withdrawn By Applicant | 45 | $7,707,000 | $171,000 | $1,100,000 | $72,000 | $464,000 |
| Application Approved But Not Accepted | 23 | $3,703,000 | $161,000 | $995,000 | $66,000 | $260,000 |
| File Closed For Incompleteness | 19 | $1,751,000 | $92,000 | $239,000 | $57,000 | $201,000 |
| 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 | 34 | $4,211,000 | $123,000 | $1,555,000 | $62,000 | $422,000 |
| Collateral | 17 | $2,212,000 | $130,000 | $365,000 | $64,000 | $123,000 |
| Debt-To-Income Ratio | 13 | $1,527,000 | $117,000 | $291,000 | $62,000 | $253,000 |
| Credit Application Incomplete | 5 | $590,000 | $118,000 | $221,000 | $141,000 | $525,000 |
| Other | 3 | $364,000 | $121,000 | $160,000 | $91,000 | $195,000 |
| Unverifiable Information | 1 | $46,000 | $46,000 | $46,000 | $21,000 | $21,000 |
| Employment History | 1 | $124,000 | $124,000 | $124,000 | $39,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $198,000 | $198,000 | $198,000 | $115,000 | $115,000 |
| 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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