Hancock County, GA Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 217 mortgage applications in Hancock County, GA totaling $27.5 million, down 14% from 2010. The average application was for $126,000, and applicants reported an average income of $88,000. 46% of applications resulted in an originated loan and 29% were denied. The most active lender was Wells Fargo Bank NA, with 32 applications, followed by Ameris Bank and Truist Bank.

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Total Number of Mortgage Applications 217
Total Mortgage Loan Application Amount $27,519,000
Average Mortgage Loan Application Amount $126,000
Highest Mortgage Loan Application Amount $474,000
Average Applicant Income $88,000
Highest Applicant Income $631,000

Mortgage Company List for Lending in Hancock County, GA for 2011

* 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
* $ 1,104,833,000,000 32 $ 4,195,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 2,971,072,000 17 $ 171,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 16 $ 1,861,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 14 $ 2,448,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 11 $ 2,515,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 10 $ 632,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 297,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 6 $ 681,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 6 $ 610,000
Robins Financial Credit Union
803 WATSON BOULEVARD
WARNER ROBINS, GA 31093
* $ 1,374,634,000 5 $ 290,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 745,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 4 $ 698,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 4 $ 15,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 4 $ 501,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 3 $ 744,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 596,000
1st Choice Mortgage/Equity Cor
1021 BRIARGATE CIRCLE
COLUMBIA, SC 29210
* $ 10,000,000 3 $ 487,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 437,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 3 $ 283,000
Magnolia State Bank
130 OAK ST
EASTMAN, GA 31023
* $ 274,416,000 3 $ 284,000
Bank of Madison
133 N MAIN ST
MADISON, GA 30650
* $ 229,666,000 2 $ 214,000
Exchange Bank
PO BOX 580
MILLEDGEVILLE, GA 31059
* $ 225,755,000 2 $ 115,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 2 $ 604,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 3,880,849,000 2 $ 558,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 727,307,000 2 $ 65,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 2 $ 209,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 152,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 2 $ 257,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 2 $ 381,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 466,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 2 $ 356,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 1 $ 122,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 1 $ 187,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 415,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 1 $ 42,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 417,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ 2,023,000 1 $ 220,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 20,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 100,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 64,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 85,000
Chicago Bancorp
300 N ELIZABETH STREET STUITE 3E
CHICAGO, IL 60607
* $ 10,000,000 1 $ 378,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 233,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 151,000
Guardian Bank
701 WILDWOOD PLANTATION DR.
VALDOSTA, GA 31604
* $ 205,636,000 1 $ 39,000
Midtown Bank & Trust Company
712 WEST PEACHTREE ST
ATLANTA, GA 30308
* $ 197,967,000 1 $ 156,000
Midsouth Federal Credit Union
4810 MERCER UNIVERSITY DRIVE
MACON, GA 31210
* $ 146,181,000 1 $ 62,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 1,939,474,000 1 $ 198,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 1,608,491,000 1 $ 62,000
Credit Union Financial Services, LLC
2476 LAWRENCEVILLE HIGHWAY SUITE 101
DECATUR, GA 30033
* $ 81,511,000 1 $ 165,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 136,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 427,083,000 1 $ 200,000
The National Bank of Georgia
2234 WEST BROAD STREET
ATHENS, GA 30606
* $ 304,778,000 1 $ 151,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 1 $ 70,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 933,501,000 1 $ 35,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,595,709,000 1 $ 47,000
Brand Mortgage Group, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ 1,195,416,000 1 $ 109,000
United Bank
PO BOX 1337
ZEBULON, GA 30295
* $ 1,049,487,000 1 $ 121,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 1,942,629,000 1 $ 240,000
Farmers and Merchants Bank
4 NORTH CARTER STREET, PO BOX 187
LAKELAND, GA 31635
* $ 596,291,000 1 $ 349,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 120,000
Southern Bank
P.O. BOX 100
SARDIS, GA 30456
* $ 91,839,000 1 $ 29,000
F & M Bank
911 EAST ROBERT TOOMBS AVE
WASHINGTON, GA 30673
* $ 319,374,000 1 $ 89,000
The Coastal Bank
P O BOX 9585
SAVANNAH, GA 31412
* $ 428,177,000 1 $ 211,000

The tables below break down 2011 mortgage applications in Hancock 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 Hancock County, GA in 2011

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 136 $21,879,000 $160,000 $474,000 $104,000 $631,000
Home Purchase 49 $4,953,000 $101,000 $243,000 $73,000 $265,000
Home Improvement 32 $687,000 $21,000 $278,000 $47,000 $152,000

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 117 $18,704,000 $159,000 $474,000 $118,000 $631,000
Black or African American 59 $2,653,000 $44,000 $236,000 $38,000 $142,000
Not Provided 32 $4,244,000 $132,000 $348,000 $79,000 $320,000
Not applicable 5 $1,246,000 $249,000 $415,000 $9,000 $47,000
Hispanic 2 $429,000 $214,000 $260,000 $164,000 $246,000
American Indian or Alaskan Native 1 $85,000 $85,000 $85,000 $31,000 $31,000
Asian 1 $158,000 $158,000 $158,000 $155,000 $155,000
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) 191 $23,689,000 $124,000 $474,000 $96,000 $631,000
FHA-insured (Federal Housing Administration) 18 $2,243,000 $124,000 $272,000 $36,000 $96,000
VA-guaranteed (Veterans Administration) 6 $1,432,000 $238,000 $378,000 $42,000 $54,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $155,000 $77,000 $124,000 $12,000 $25,000

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 100 $12,399,000 $123,000 $415,000 $94,000 $631,000
Application Denied By Financial Institution 64 $6,660,000 $104,000 $474,000 $68,000 $510,000
Application Withdrawn By Applicant 23 $3,617,000 $157,000 $378,000 $103,000 $530,000
Loan Purchased By The Institution 13 $2,869,000 $220,000 $415,000 $125,000 $631,000
Application Approved But Not Accepted 12 $1,214,000 $101,000 $272,000 $84,000 $390,000
File Closed For Incompleteness 5 $760,000 $152,000 $266,000 $73,000 $127,000
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 19 $879,000 $46,000 $150,000 $39,000 $101,000
Collateral 19 $3,346,000 $176,000 $474,000 $111,000 $222,000
Debt-To-Income Ratio 5 $361,000 $72,000 $133,000 $32,000 $98,000
Other 3 $228,000 $76,000 $211,000 $194,000 $510,000
Credit Application Incomplete 2 $512,000 $256,000 $348,000 $74,000 $109,000
Unverifiable Information 1 $127,000 $127,000 $127,000 $52,000 $52,000
Employment History 1 $35,000 $35,000 $35,000 $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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