Glascock County, GA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 77 mortgage applications in Glascock County, GA totaling $7.6 million, up 26% from 2015. The average application was for $98,000, and applicants reported an average income of $60,000. 31% of applications resulted in an originated loan and 48% were denied. The most active lender was Southern Bank, with 17 applications, followed by Queensborough National Bank and Trust and Vanderbilt Mortgage and Finance, Inc.
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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 | 77 |
| Total Mortgage Loan Application Amount | $7,595,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $564,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $569,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Southern Bank P.O. BOX 100 SARDIS, GA 30456 |
* | $ 78,731,000 | 17 | $ 877,000 |
| Queensborough National Bank and Trust 3617 WALTON WAY EXT. LOUISVILLE, GA 30434 |
* | $ 889,791,000 | 9 | $ 891,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 485,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 333,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 4 | $ 90,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 3 | $ 95,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 454,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 507,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 20,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 3 | $ 328,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 2 | $ 123,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 2 | $ 257,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 270,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 158,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 822,669,000 | 1 | $ 94,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 564,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 204,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 129,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 13,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 212,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 9,592,631,000 | 1 | $ 68,000 |
| F & M Bank 911 EAST ROBERT TOOMBS AVE WASHINGTON, GA 30673 |
* | $ 249,481,000 | 1 | $ 170,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 88,000 |
| State Bank and Trust Company 4219 FORSYTH ROAD MACON, GA 31210 |
* | $ 3,455,981,000 | 1 | $ 242,000 |
The tables below break down 2016 mortgage applications in Glascock 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 Glascock County, GA in 2016
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 | 40 | $4,580,000 | $114,000 | $564,000 | $70,000 | $569,000 |
| Refinancing | 24 | $2,534,000 | $105,000 | $242,000 | $50,000 | $126,000 |
| Home Improvement | 13 | $481,000 | $37,000 | $212,000 | $50,000 | $105,000 |
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 | 60 | $4,788,000 | $79,000 | $242,000 | $51,000 | $126,000 |
| Not Provided | 8 | $1,450,000 | $181,000 | $417,000 | $95,000 | $198,000 |
| Not applicable | 5 | $503,000 | $100,000 | $162,000 | $31,000 | $86,000 |
| Black or African American | 4 | $854,000 | $213,000 | $564,000 | $170,000 | $569,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 60 | $5,846,000 | $97,000 | $564,000 | $67,000 | $569,000 |
| FHA-insured (Federal Housing Administration) | 12 | $989,000 | $82,000 | $168,000 | $33,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $556,000 | $139,000 | $190,000 | $38,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 1 | $204,000 | $204,000 | $204,000 | $42,000 | $42,000 |
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 | 37 | $4,174,000 | $112,000 | $564,000 | $71,000 | $569,000 |
| Loan Originated | 24 | $1,502,000 | $62,000 | $168,000 | $50,000 | $116,000 |
| File Closed For Incompleteness | 6 | $695,000 | $115,000 | $212,000 | $48,000 | $105,000 |
| Loan Purchased By The Institution | 5 | $503,000 | $100,000 | $162,000 | $31,000 | $86,000 |
| Application Withdrawn By Applicant | 4 | $598,000 | $149,000 | $242,000 | $71,000 | $126,000 |
| Application Approved But Not Accepted | 1 | $123,000 | $123,000 | $123,000 | $64,000 | $64,000 |
| 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 | 8 | $403,000 | $50,000 | $120,000 | $40,000 | $78,000 |
| Collateral | 7 | $972,000 | $138,000 | $564,000 | $126,000 | $569,000 |
| Debt-To-Income Ratio | 5 | $733,000 | $146,000 | $417,000 | $67,000 | $198,000 |
| Employment History | 1 | $149,000 | $149,000 | $149,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 1 | $190,000 | $190,000 | $190,000 | $71,000 | $71,000 |
| Other | 1 | $109,000 | $109,000 | $109,000 | $65,000 | $65,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $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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