Irwin County, GA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 248 mortgage applications in Irwin County, GA totaling $37.0 million, up 19% from 2024. The average application was for $149,000, and applicants reported an average income of $173,000. 34% of applications resulted in an originated loan and 29% were denied. The most active lender was 21st Mortgage, with 31 applications, followed by Vanderbilt Mortgage and Finance, Inc and Five Star Credit Union.
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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 | 248 |
| Total Mortgage Loan Application Amount | $36,990,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $173,000 |
| Highest Applicant Income | $5,408,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 31 | $ 4,315,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 23 | $ 2,895,000 |
| Five Star Credit Union 411 N FOSTER ST DOTHAN, AL 36302 |
* | $ n/a | 19 | $ 2,525,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 13 | $ 2,445,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 13 | $ 1,845,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 1,630,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 9 | $ 1,375,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 6 | $ 1,060,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 5 | $ 745,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 5 | $ 875,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 880,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 4 | $ 790,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 4 | $ 720,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 970,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 4 | $ 870,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 445,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 285,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ n/a | 3 | $ 445,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 235,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 725,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 3 | $ 445,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 280,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 2 | $ 260,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 160,000 |
| Planters First Bank 1620 E 16TH AVE CORDELE, GA 31015 |
* | $ n/a | 2 | $ 150,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 330,000 |
| South Georgia Banking Company 2005 TIFT AVE N TIFTON, GA 31794 |
* | $ n/a | 2 | $ 140,000 |
| Loansteady LLC 8401 GREENSBORO DRIVE SUITE 950 MCCLEAN, VA 22102 |
* | $ n/a | 2 | $ 490,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 190,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 230,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ n/a | 2 | $ 200,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 210,000 |
| Pineland Bank 501 W. 12TH STREET, P. O. BOX 1988 ALMA, GA 31510 |
* | $ n/a | 1 | $ 125,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 355,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 385,000 |
| Rapid Mortgage Company 7870 E. KEMPER ROAD, SUITE 280 CINCINNATI, OH 45255 |
* | $ n/a | 1 | $ 145,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ n/a | 1 | $ 85,000 |
| Queensborough National Bank and Trust 3617 WALTON WAY EXT. LOUISVILLE, GA 30434 |
* | $ n/a | 1 | $ 85,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 115,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 95,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 95,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 185,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 35,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 65,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 1 | $ 175,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ n/a | 1 | $ 45,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 185,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 1 | $ 85,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 55,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 135,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 105,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 75,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 45,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 115,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 155,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 1 | $ 85,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 1 | $ 645,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 245,000 |
| Mygeorgia Credit Union PO BOX 908237 GAINESVILLE, GA 30501 |
* | $ n/a | 1 | $ 75,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| South River Mortgage, LLC 1750 FOREST DR SUITE 195 ANNAPOLIS, MD 21401 |
* | $ n/a | 1 | $ 15,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 165,000 |
| Foundation Mortgage Corporation 1680 MICHIGAN AVE SUITE 700 MIAMI BEACH, FL 33139 |
* | $ n/a | 1 | $ 85,000 |
| Aggeorgia Farm Credit 468 PERRY PKWY PERRY, GA 31069 |
* | $ n/a | 1 | $ 55,000 |
| Thomasville National Bank 301 N. BROAD STREET THOMASVILLE, GA 31792 |
* | $ n/a | 1 | $ 195,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 265,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2025 mortgage applications in Irwin 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 Irwin County, GA in 2025
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 | 152 | $23,730,000 | $156,000 | $645,000 | $205,000 | $5,408,000 |
| Refinancing | 43 | $6,605,000 | $153,000 | $435,000 | $180,000 | $1,023,000 |
| Cash-out Refinancing | 36 | $5,010,000 | $139,000 | $305,000 | $73,000 | $240,000 |
| Other Purpose | 11 | $1,225,000 | $111,000 | $385,000 | $126,000 | $510,000 |
| Home Improvement | 5 | $265,000 | $53,000 | $105,000 | $95,000 | $175,000 |
| Not Applicable | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
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 | 147 | $22,615,000 | $153,000 | $645,000 | $220,000 | $5,408,000 |
| Black or African American | 35 | $4,825,000 | $137,000 | $515,000 | $88,000 | $408,000 |
| Not applicable | 27 | $4,395,000 | $162,000 | $365,000 | $57,000 | $57,000 |
| Not Provided | 27 | $3,465,000 | $128,000 | $405,000 | $66,000 | $153,000 |
| Hispanic | 12 | $1,690,000 | $140,000 | $325,000 | $74,000 | $167,000 |
| Native Hawaiian 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) | 165 | $22,775,000 | $138,000 | $645,000 | $154,000 | $5,408,000 |
| FHA-insured (Federal Housing Administration) | 51 | $7,555,000 | $148,000 | $275,000 | $294,000 | $4,848,000 |
| VA-guaranteed (Veterans Administration) | 27 | $5,585,000 | $206,000 | $515,000 | $77,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,075,000 | $215,000 | $255,000 | $76,000 | $94,000 |
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 | 84 | $12,680,000 | $150,000 | $645,000 | $150,000 | $2,699,000 |
| Application Denied By Financial Institution | 71 | $9,785,000 | $137,000 | $305,000 | $71,000 | $510,000 |
| File Closed For Incompleteness | 31 | $4,365,000 | $140,000 | $435,000 | $74,000 | $408,000 |
| Application Withdrawn By Applicant | 30 | $5,030,000 | $167,000 | $515,000 | $674,000 | $5,408,000 |
| Loan Purchased By The Institution | 25 | $4,435,000 | $177,000 | $365,000 | $67,000 | $77,000 |
| Application Approved But Not Accepted | 7 | $695,000 | $99,000 | $155,000 | $135,000 | $408,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 152 | $24,220,000 | $159,000 | $645,000 | $203,000 | $5,408,000 |
| Debt-To-Income Ratio | 45 | $5,855,000 | $130,000 | $365,000 | $200,000 | $2,699,000 |
| Credit History | 31 | $4,335,000 | $139,000 | $245,000 | $91,000 | $510,000 |
| Collateral | 10 | $1,360,000 | $136,000 | $305,000 | $66,000 | $126,000 |
| Other | 6 | $580,000 | $96,000 | $155,000 | $50,000 | $78,000 |
| Credit Application Incomplete | 3 | $555,000 | $185,000 | $305,000 | $50,000 | $81,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $48,000 | $48,000 |
| Employment History | 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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