Johnson County, GA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 147 mortgage applications in Johnson County, GA totaling $13.5 million, up 25% from 2008. The average application was for $91,000, and applicants reported an average income of $57,000. 41% of applications resulted in an originated loan and 24% were denied. The most active lender was Citifinancial Services, Inc., with 15 applications, followed by Capital City Bank and Exchange 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 | 147 |
| Total Mortgage Loan Application Amount | $13,497,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $197,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 15 | $ 813,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,471,454,000 | 14 | $ 555,000 |
| Exchange Bank PO BOX 580 MILLEDGEVILLE, GA 31059 |
* | $ 230,342,000 | 12 | $ 1,346,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 7 | $ 406,000 |
| Queensborough National Bank and Trust 3617 WALTON WAY EXT. LOUISVILLE, GA 30434 |
* | $ 860,555,000 | 7 | $ 571,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 7 | $ 761,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 612,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 6 | $ 978,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 6 | $ 746,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 5 | $ 337,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 356,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 630,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 3 | $ 323,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 3 | $ 397,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 285,000 |
| Georgia Federal Credit Union 6705 SUGARLOAF PKWY DULUTH, GA 30097 |
* | $ 483,561,000 | 3 | $ 104,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 276,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 214,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 181,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 358,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 119,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 2 | $ 117,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 474,647,000 | 2 | $ 440,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 2 | $ 196,000 |
| Magnolia State Bank 130 OAK ST EASTMAN, GA 31023 |
* | $ 308,604,000 | 2 | $ 155,000 |
| Talbot State Bank 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 91,699,000 | 1 | $ 28,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 3,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 224,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 1 | $ 75,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 1 | $ 122,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 132,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 86,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 150,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 1 | $ 52,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 122,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 1,116,400,000 | 1 | $ 90,000 |
| Darby Bank & Trust, Co. 204 DURDEN STREET VIDALIA, GA 30474 |
* | $ 784,901,000 | 1 | $ 97,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 142,000 |
| Homeland Lending Inc 2612 N ADAMS ST PLANT CITY, FL 33563 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 625,192,000 | 1 | $ 32,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 236,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 17,000 |
| Oxford Capital LLC 665 MARIETTA STREET NW ATLANTA, GA 30313 |
* | $ 2,483,000 | 1 | $ 97,000 |
| Prime Home Mortgage, Inc. 1414 W. GRANADA BLVD., SUITE 4 ORMOND BEACH, FL 32174 |
* | $ 10,000,000 | 1 | $ 78,000 |
The tables below break down 2009 mortgage applications in Johnson 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 Johnson County, GA in 2009
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 | 109 | $10,898,000 | $99,000 | $300,000 | $62,000 | $197,000 |
| Home Purchase | 27 | $2,208,000 | $81,000 | $185,000 | $39,000 | $120,000 |
| Home Improvement | 11 | $391,000 | $35,000 | $100,000 | $51,000 | $163,000 |
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 | 96 | $9,565,000 | $99,000 | $300,000 | $66,000 | $197,000 |
| Black or African American | 28 | $1,567,000 | $55,000 | $126,000 | $38,000 | $120,000 |
| Not Provided | 11 | $1,010,000 | $91,000 | $224,000 | $46,000 | $96,000 |
| Not applicable | 10 | $1,005,000 | $100,000 | $150,000 | $29,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $350,000 | $175,000 | $280,000 | $84,000 | $115,000 |
| Hispanic | 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) | 116 | $10,485,000 | $90,000 | $300,000 | $61,000 | $197,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,550,000 | $102,000 | $224,000 | $44,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $462,000 | $77,000 | $158,000 | $23,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 60 | $5,269,000 | $87,000 | $240,000 | $66,000 | $170,000 |
| Application Denied By Financial Institution | 36 | $2,640,000 | $73,000 | $237,000 | $48,000 | $135,000 |
| Loan Purchased By The Institution | 19 | $2,374,000 | $124,000 | $240,000 | $41,000 | $111,000 |
| Application Withdrawn By Applicant | 13 | $1,547,000 | $119,000 | $300,000 | $71,000 | $197,000 |
| Application Approved But Not Accepted | 12 | $1,007,000 | $83,000 | $214,000 | $47,000 | $102,000 |
| File Closed For Incompleteness | 7 | $660,000 | $94,000 | $224,000 | $56,000 | $96,000 |
| 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 | 9 | $555,000 | $61,000 | $126,000 | $37,000 | $115,000 |
| Collateral | 7 | $510,000 | $72,000 | $122,000 | $66,000 | $121,000 |
| Other | 3 | $236,000 | $78,000 | $123,000 | $65,000 | $73,000 |
| Debt-To-Income Ratio | 3 | $252,000 | $84,000 | $237,000 | $32,000 | $46,000 |
| Credit Application Incomplete | 1 | $41,000 | $41,000 | $41,000 | $19,000 | $19,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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