Heard County, GA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 432 mortgage applications in Heard County, GA totaling $49.0 million, down 3% from 2016. The average application was for $113,000, and applicants reported an average income of $56,000. 34% of applications resulted in an originated loan and 30% were denied. The most active lender was Regions Bank, with 47 applications, followed by 21st Mortgage 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 | 432 |
| Total Mortgage Loan Application Amount | $49,047,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $888,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $305,000 |
* 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 |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,042,021,000 | 47 | $ 3,180,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 32 | $ 2,951,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 18 | $ 1,450,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 18,874,479,000 | 18 | $ 546,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 14 | $ 1,607,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 13 | $ 1,392,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 195,406,000 | 12 | $ 1,755,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 12 | $ 242,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 12 | $ 1,439,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 11 | $ 1,496,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 10 | $ 1,292,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 9 | $ 1,453,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 9 | $ 1,442,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 514,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 1,005,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ -1,000 | 7 | $ 1,205,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 6 | $ 1,043,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 6 | $ 530,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 468,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 5 | $ 1,210,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 19,227,800,000 | 5 | $ 1,052,000 |
| Synovus Mortgage Corp. 800 SHADES CREEK PARKWAY BIRMINGHAM, AL 35209 |
* | $ -1,000 | 4 | $ 427,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 29,874,612,000 | 4 | $ 1,462,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 642,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 4 | $ 721,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 461,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 4 | $ 247,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ -1,000 | 4 | $ 422,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 4 | $ 455,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 3 | $ 160,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 248,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 3 | $ 380,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 1,200,775,000 | 3 | $ 236,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 8,676,168,000 | 3 | $ 485,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 10,694,612,000 | 3 | $ 360,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 505,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 3 | $ 321,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 3 | $ 279,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 248,000 |
| Charterbank 1233 O.G. SKINNER DRIVE WEST POINT, GA 31833 |
* | $ 1,463,342,000 | 3 | $ 392,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 429,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ 0 | 3 | $ 217,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 2 | $ 180,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ 0 | 2 | $ 148,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 199,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 474,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 168,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 5,294,501,000 | 2 | $ 312,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 310,000 |
| United Bank PO BOX 1337 ZEBULON, GA 30295 |
* | $ 1,246,496,000 | 2 | $ 374,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 260,000 |
| The Southern Credit Union 430 EAST LANIER AVENUE FAYETTEVILLE, GA 30214 |
* | $ 363,991,000 | 2 | $ 106,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 249,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 2 | $ 240,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 2 | $ 356,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 165,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 248,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 272,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 676,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 182,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 234,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 162,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 130,000 |
| State Bank and Trust Company 4219 FORSYTH ROAD MACON, GA 31210 |
* | $ 4,206,048,000 | 1 | $ 140,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ -1,000 | 1 | $ 159,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 79,000 |
| American Commerce Bank, National Association 400 US HWY 27 BYPASS BREMEN, GA 30110 |
* | $ 228,964,000 | 1 | $ 60,000 |
| First Peoples Bank PO BOX 1178 PINE MOUNTAIN, GA 31822 |
* | $ 108,119,000 | 1 | $ 49,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,896,533,000 | 1 | $ 64,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 715,254,000 | 1 | $ 64,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ -1,000 | 1 | $ 149,000 |
| First Direct Lending LLC 15261 LAGUNA CANYON ROAD, SUITE 200 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 153,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 1 | $ 57,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 1 | $ 9,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 1 | $ 122,000 |
| Family Savings Credit Union 711 E MEIGHAN BLVD RAINBOW CITY, AL 35906 |
* | $ 381,696,000 | 1 | $ 46,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 320,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 13,016,049,000 | 1 | $ 323,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 0 | 1 | $ 103,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 54,000 |
| Shelter Lending Services, LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 102,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 1 | $ 337,000 |
| Ussfcu 2750 EISENHOWER AVENUE ALEXANDRIA, VA 22314 |
* | $ 610,062,000 | 1 | $ 63,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 280,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 35,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 164,000 |
| Talbot State Bank 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 68,359,000 | 1 | $ 27,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 3,837,573,000 | 1 | $ 143,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ -1,000 | 1 | $ 56,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 271,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 65,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 313,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 79,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 165,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 156,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 392,980,000 | 1 | $ 25,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ -1,000 | 1 | $ 74,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 1 | $ 106,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 48,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 105,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 86,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 325,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 224,000 |
The tables below break down 2017 mortgage applications in Heard 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 Heard County, GA in 2017
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 | 227 | $28,380,000 | $125,000 | $516,000 | $54,000 | $305,000 |
| Refinancing | 144 | $18,404,000 | $127,000 | $888,000 | $54,000 | $237,000 |
| Home Improvement | 61 | $2,263,000 | $37,000 | $176,000 | $67,000 | $296,000 |
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 | 341 | $36,984,000 | $108,000 | $516,000 | $59,000 | $305,000 |
| Not Provided | 38 | $5,268,000 | $138,000 | $410,000 | $76,000 | $287,000 |
| Not applicable | 36 | $4,838,000 | $134,000 | $410,000 | $17,000 | $144,000 |
| Black or African American | 11 | $639,000 | $58,000 | $175,000 | $46,000 | $72,000 |
| Hispanic | 4 | $357,000 | $89,000 | $152,000 | $30,000 | $51,000 |
| American Indian or Alaskan Native | 1 | $73,000 | $73,000 | $73,000 | $0 | $0 |
| Asian | 1 | $888,000 | $888,000 | $888,000 | $32,000 | $32,000 |
| 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) | 256 | $25,279,000 | $98,000 | $888,000 | $64,000 | $305,000 |
| FHA-insured (Federal Housing Administration) | 103 | $12,454,000 | $120,000 | $313,000 | $43,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 39 | $7,505,000 | $192,000 | $450,000 | $64,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $3,809,000 | $112,000 | $159,000 | $30,000 | $78,000 |
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 | 149 | $18,849,000 | $126,000 | $888,000 | $67,000 | $300,000 |
| Application Denied By Financial Institution | 129 | $11,028,000 | $85,000 | $337,000 | $53,000 | $237,000 |
| Application Withdrawn By Applicant | 51 | $5,919,000 | $116,000 | $325,000 | $56,000 | $151,000 |
| Loan Purchased By The Institution | 50 | $7,144,000 | $142,000 | $410,000 | $33,000 | $155,000 |
| File Closed For Incompleteness | 38 | $4,202,000 | $110,000 | $280,000 | $47,000 | $142,000 |
| Application Approved But Not Accepted | 15 | $1,905,000 | $127,000 | $516,000 | $70,000 | $305,000 |
| 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 | $1,009,000 | $53,000 | $121,000 | $55,000 | $120,000 |
| Debt-To-Income Ratio | 13 | $1,249,000 | $96,000 | $279,000 | $41,000 | $96,000 |
| Collateral | 9 | $1,104,000 | $122,000 | $260,000 | $72,000 | $189,000 |
| Credit Application Incomplete | 7 | $744,000 | $106,000 | $176,000 | $46,000 | $78,000 |
| Other | 3 | $286,000 | $95,000 | $126,000 | $108,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $118,000 | $59,000 | $60,000 | $20,000 | $21,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $55,000 | $55,000 |
| 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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