Jefferson County, GA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 363 mortgage applications in Jefferson County, GA totaling $42.9 million, up 14% from 2018. The average application was for $118,000, and applicants reported an average income of $70,000. 37% of applications resulted in an originated loan and 31% were denied. The most active lender was Queensborough National Bank and Trust, with 33 applications, followed by 21st Mortgage and Regions Bank.
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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 | 363 |
| Total Mortgage Loan Application Amount | $42,935,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $400,000 |
* 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 |
|---|---|---|---|---|
| Queensborough National Bank and Trust 3617 WALTON WAY EXT. LOUISVILLE, GA 30434 |
* | $ 1,171,496,000 | 33 | $ 2,765,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 29 | $ 2,335,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 27 | $ 2,095,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 22 | $ 2,050,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 787,746,000 | 20 | $ 3,680,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 19 | $ 1,605,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 10 | $ 1,790,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 1,325,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 9 | $ 1,435,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 7 | $ 965,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 460,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 6 | $ 760,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 315,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 5 | $ 795,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 615,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 620,000 |
| Acu P.O. BOX 923028 PEACHTREE CORNERS, GA 30092 |
* | $ 1,556,679,000 | 4 | $ 310,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 4 | $ 210,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 560,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 590,000 |
| Srp Federal Credit Union 1070 EDGEFIELD ROAD NORTH AUGUSTA, SC 29841 |
* | $ 927,898,000 | 4 | $ 300,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 4 | $ 740,000 |
| First Choice Mortgage, Inc. 217 DAVIS RD AUGUSTA, GA 30907 |
* | $ -1,000 | 4 | $ 540,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 505,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 765,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 3 | $ 95,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 3 | $ 395,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 3 | $ 465,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 265,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 3 | $ 105,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 3 | $ 275,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 475,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 2 | $ 320,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 2 | $ 70,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 260,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31095 |
* | $ 2,509,837,000 | 2 | $ 100,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 490,000 |
| Grow Financial Federal Credit Union 9927 DELANEY LAKE DRIVE TAMPA, FL 33647 |
* | $ 2,534,729,000 | 2 | $ 100,000 |
| First Community Bank 5455 SUNSET BLVD LEXINGTON, SC 29072 |
* | $ 1,091,340,000 | 2 | $ 250,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 190,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 260,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 470,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 160,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 170,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 470,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 410,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 2 | $ 340,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 282,714,000 | 1 | $ 75,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 75,169,000,000 | 1 | $ 105,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 38,812,319,000 | 1 | $ 55,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 476,111,000 | 1 | $ 115,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 12,326,862,000 | 1 | $ 195,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 315,000 |
| Prime Choice Funding Inc. 17852 17TH ST #107 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 185,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 105,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 12,915,178,000 | 1 | $ 145,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| Tampa Bay Federal Credit Union PO BOX 7492 TAMPA, FL 33603 |
* | $ 292,582,000 | 1 | $ 55,000 |
| Exchange Bank PO BOX 580 MILLEDGEVILLE, GA 31059 |
* | $ 249,390,000 | 1 | $ 105,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 95,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,029,298,000 | 1 | $ 295,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 205,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 1 | $ 205,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,761,374,000 | 1 | $ 315,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 1 | $ 215,000 |
| Southern Bank P.O. BOX 100 SARDIS, GA 30456 |
* | $ 76,932,000 | 1 | $ 15,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 1 | $ 75,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 135,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 305,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 135,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 25,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 75,000 |
| Augusta Mortgage Company 243 DAVIS ROAD AUGUSTA, GA 30907 |
* | $ -1,000 | 1 | $ 235,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 14,673,422,000 | 1 | $ 225,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 135,000 |
| Miami Firefighters Federal Credit Union 1111 NW 7TH ST MIAMI, FL 33136 |
* | $ 106,010,000 | 1 | $ 195,000 |
| Security Federal Bank PO BOX 810 AIKEN, SC 29802 |
* | $ 912,599,000 | 1 | $ 385,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 32,077,582,000 | 1 | $ 85,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 295,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 779,710,000 | 1 | $ 125,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 1 | $ 45,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ 2,406,138,000 | 1 | $ 25,000 |
| First Burke Banking Company PO BOX 647 WAYNESBORO, GA 30830 |
* | $ 139,260,000 | 1 | $ 15,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 275,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 252,362,000 | 1 | $ 165,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 25,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 145,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 1 | $ 15,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 35,267,496,000 | 1 | $ 135,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 95,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 55,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 215,000 |
The tables below break down 2019 mortgage applications in Jefferson 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 Jefferson County, GA in 2019
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 | 179 | $21,685,000 | $121,000 | $395,000 | $64,000 | $193,000 |
| Refinancing | 64 | $9,960,000 | $155,000 | $435,000 | $76,000 | $179,000 |
| Cash-out Refinancing | 55 | $8,215,000 | $149,000 | $385,000 | $85,000 | $400,000 |
| Other Purpose | 34 | $1,630,000 | $47,000 | $125,000 | $66,000 | $182,000 |
| Home Improvement | 24 | $800,000 | $33,000 | $65,000 | $67,000 | $165,000 |
| Not Applicable | 7 | $645,000 | $92,000 | $185,000 | $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 | 185 | $23,865,000 | $129,000 | $395,000 | $78,000 | $227,000 |
| Black or African American | 104 | $10,130,000 | $97,000 | $435,000 | $54,000 | $155,000 |
| Not applicable | 36 | $4,880,000 | $135,000 | $315,000 | $85,000 | $185,000 |
| Not Provided | 30 | $2,740,000 | $91,000 | $185,000 | $59,000 | $400,000 |
| Hispanic | 4 | $470,000 | $117,000 | $205,000 | $91,000 | $154,000 |
| Asian | 3 | $455,000 | $151,000 | $165,000 | $95,000 | $101,000 |
| American Indian or Alaskan Native | 1 | $395,000 | $395,000 | $395,000 | $1,000 | $1,000 |
| 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) | 227 | $23,775,000 | $104,000 | $395,000 | $70,000 | $227,000 |
| FHA-insured (Federal Housing Administration) | 80 | $9,660,000 | $120,000 | $295,000 | $57,000 | $179,000 |
| VA-guaranteed (Veterans Administration) | 42 | $8,080,000 | $192,000 | $435,000 | $96,000 | $400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,420,000 | $101,000 | $155,000 | $47,000 | $72,000 |
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 | 133 | $17,195,000 | $129,000 | $435,000 | $77,000 | $227,000 |
| Application Denied By Financial Institution | 111 | $10,125,000 | $91,000 | $395,000 | $58,000 | $203,000 |
| Loan Purchased By The Institution | 51 | $7,575,000 | $148,000 | $385,000 | $87,000 | $185,000 |
| Application Withdrawn By Applicant | 46 | $5,640,000 | $122,000 | $395,000 | $67,000 | $400,000 |
| File Closed For Incompleteness | 16 | $1,400,000 | $87,000 | $195,000 | $66,000 | $136,000 |
| Application Approved But Not Accepted | 5 | $775,000 | $155,000 | $305,000 | $97,000 | $175,000 |
| Preapproval Denied by Financial Institution | 1 | $225,000 | $225,000 | $225,000 | $55,000 | $55,000 |
| Preapproval Approved but not Accepted | 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 | 237 | $30,235,000 | $127,000 | $435,000 | $75,000 | $400,000 |
| Credit History | 42 | $2,950,000 | $70,000 | $155,000 | $50,000 | $152,000 |
| Debt-To-Income Ratio | 35 | $4,605,000 | $131,000 | $385,000 | $59,000 | $185,000 |
| Collateral | 18 | $1,850,000 | $102,000 | $375,000 | $68,000 | $167,000 |
| Credit Application Incomplete | 12 | $930,000 | $77,000 | $185,000 | $69,000 | $110,000 |
| Other | 12 | $1,350,000 | $112,000 | $395,000 | $65,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $630,000 | $157,000 | $205,000 | $135,000 | $203,000 |
| Unverifiable Information | 3 | $385,000 | $128,000 | $175,000 | $48,000 | $54,000 |
| 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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