Johnson County, GA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 170 mortgage applications in Johnson County, GA totaling $15.9 million, up 10% from 2015. The average application was for $93,000, and applicants reported an average income of $49,000. 38% of applications resulted in an originated loan and 38% were denied. The most active lender was 21st Mortgage, with 22 applications, followed by Bank of Dudley and Morris 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 | 170 |
| Total Mortgage Loan Application Amount | $15,854,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $501,000 |
| 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 |
* | $ 10,000,000 | 22 | $ 1,665,000 |
| Bank of Dudley 200 W JACKSON ST DUBLIN, GA 31021 |
* | $ 199,672,000 | 18 | $ 1,117,000 |
| Morris Bank 301 BELLEVUE AVENUE DUBLIN, GA 31021 |
* | $ 557,366,000 | 11 | $ 1,426,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 648,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 715,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 849,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 588,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 6 | $ 428,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 5 | $ 613,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,778,676,000 | 5 | $ 218,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 5 | $ 708,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 546,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 3 | $ 525,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 3 | $ 318,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 525,826,000 | 3 | $ 447,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 80,000 |
| Persons Banking Company PO BOX 1188, 88 N LEE ST FORSYTH, GA 31029 |
* | $ 322,821,000 | 3 | $ 113,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 2 | $ 384,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 1,087,173,000 | 2 | $ 69,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 2 | $ 157,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 214,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 431,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 245,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 384,114,000 | 1 | $ 45,000 |
| State Bank and Trust Company 4219 FORSYTH ROAD MACON, GA 31210 |
* | $ 3,455,981,000 | 1 | $ 132,000 |
| Planters First Bank 1620 E 16TH AVE CORDELE, GA 31015 |
* | $ 276,618,000 | 1 | $ 79,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 5,592,561,000 | 1 | $ 90,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ 1,486,000,000 | 1 | $ 140,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 58,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 1 | $ 74,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 71,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 80,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 75,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 115,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 48,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 105,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 784,567,000 | 1 | $ 84,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 92,000 |
| Exchange Bank PO BOX 580 MILLEDGEVILLE, GA 31059 |
* | $ 228,425,000 | 1 | $ 258,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 2,072,296,000 | 1 | $ 167,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 131,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 79,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 2,000 |
The tables below break down 2016 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 2016
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 | 82 | $9,438,000 | $115,000 | $675,000 | $52,000 | $501,000 |
| Home Purchase | 69 | $5,568,000 | $80,000 | $280,000 | $43,000 | $131,000 |
| Home Improvement | 19 | $848,000 | $44,000 | $258,000 | $59,000 | $170,000 |
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 | 92 | $10,379,000 | $112,000 | $675,000 | $66,000 | $501,000 |
| Black or African American | 46 | $2,907,000 | $63,000 | $115,000 | $32,000 | $115,000 |
| Not applicable | 19 | $1,267,000 | $66,000 | $226,000 | $2,000 | $40,000 |
| Not Provided | 12 | $1,200,000 | $100,000 | $154,000 | $61,000 | $165,000 |
| American Indian or Alaskan Native | 1 | $101,000 | $101,000 | $101,000 | $64,000 | $64,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 120 | $11,050,000 | $92,000 | $675,000 | $55,000 | $501,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,189,000 | $91,000 | $155,000 | $37,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,216,000 | $135,000 | $244,000 | $23,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $399,000 | $66,000 | $86,000 | $29,000 | $48,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 65 | $5,959,000 | $91,000 | $280,000 | $46,000 | $199,000 |
| Loan Originated | 64 | $5,983,000 | $93,000 | $675,000 | $55,000 | $501,000 |
| Application Withdrawn By Applicant | 15 | $1,629,000 | $108,000 | $211,000 | $57,000 | $187,000 |
| File Closed For Incompleteness | 13 | $898,000 | $69,000 | $147,000 | $39,000 | $78,000 |
| Loan Purchased By The Institution | 10 | $1,016,000 | $101,000 | $180,000 | $19,000 | $77,000 |
| Application Approved But Not Accepted | 3 | $369,000 | $123,000 | $258,000 | $84,000 | $138,000 |
| 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 | 11 | $521,000 | $47,000 | $202,000 | $52,000 | $120,000 |
| Debt-To-Income Ratio | 4 | $421,000 | $105,000 | $202,000 | $49,000 | $62,000 |
| Credit Application Incomplete | 3 | $402,000 | $134,000 | $182,000 | $48,000 | $74,000 |
| Collateral | 2 | $164,000 | $82,000 | $84,000 | $32,000 | $38,000 |
| Other | 2 | $423,000 | $211,000 | $280,000 | $86,000 | $131,000 |
| 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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