Lamar County, GA Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 580 mortgage applications in Lamar County, GA totaling $65.7 million, down 10% from 2010. The average application was for $113,000, and applicants reported an average income of $55,000. 46% of applications resulted in an originated loan and 19% were denied. The most active lender was United Bank, with 121 applications, followed by Wells Fargo Bank NA and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 580
Total Mortgage Loan Application Amount $65,691,000
Average Mortgage Loan Application Amount $113,000
Highest Mortgage Loan Application Amount $535,000
Average Applicant Income $55,000
Highest Applicant Income $550,000

Mortgage Company List for Lending in Lamar County, GA for 2011

* 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
United Bank
PO BOX 1337
ZEBULON, GA 30295
* $ 1,049,487,000 121 $ 10,506,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 59 $ 7,018,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 51 $ 5,889,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 27 $ 2,974,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 23 $ 2,790,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ 10,000,000 12 $ 2,229,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 11 $ 1,189,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 10 $ 1,133,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 10 $ 1,714,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 9 $ 1,210,000
First National Bank of Griffin
318 S. HILL STREET GRIFFIN
GRIFFIN, GA 30224
* $ 260,785,000 9 $ 669,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 8 $ 954,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 7 $ 710,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 7 $ 715,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 6 $ 1,197,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 6 $ 669,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 6 $ 492,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 644,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 6 $ 623,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 6 $ 572,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 427,083,000 6 $ 737,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 5 $ 403,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 5 $ 594,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 320,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ 2,023,000 5 $ 503,000
Credit Union Financial Services, LLC
2476 LAWRENCEVILLE HIGHWAY SUITE 101
DECATUR, GA 30033
* $ 81,511,000 5 $ 566,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 3,880,849,000 5 $ 643,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 5 $ 596,000
Robins Financial Credit Union
803 WATSON BOULEVARD
WARNER ROBINS, GA 31093
* $ 1,374,634,000 4 $ 558,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 376,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 4 $ 923,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 483,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 4 $ 363,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 4 $ 377,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 4 $ 166,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 4 $ 682,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 3 $ 232,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 3 $ 754,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 330,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 3 $ 462,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 484,000
Hamilton State Bank
1907 HWY 211
HOSCHTON, GA 30548
* $ 244,899,000 3 $ 190,000
Southcrest Bank
108 S CHURCH STREET
THOMASTON, GA 30286
* $ 341,379,000 3 $ 184,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 2 $ 203,000
The Southern Credit Union
430 EAST LANIER AVENUE
FAYETTEVILLE, GA 30214
* $ 268,551,000 2 $ 90,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 1,939,474,000 2 $ 226,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 2 $ 247,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 251,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ 10,000,000 2 $ 252,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 2 $ 210,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 2 $ 107,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 379,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 2 $ 315,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 2 $ 292,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 2 $ 145,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 210,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 2 $ 282,000
Brand Mortgage Group, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ 1,195,416,000 2 $ 223,000
Monroe County Bank
P O BOX 1
FORSYTH, GA 31029
* $ 92,476,000 2 $ 258,000
Bank of Monticello
PO BOX 29
MONTICELLO, GA 31064
* $ 98,321,000 2 $ 109,000
Central Bank of Georgia
PO BOX 45
ELLAVILLE, GA 31806
* $ 270,423,000 1 $ 185,000
United Community Bank
PO BOX 398
BLAIRSVILLE, GA 30512
* $ 7,426,039,000 1 $ 261,000
F & M Bank
911 EAST ROBERT TOOMBS AVE
WASHINGTON, GA 30673
* $ 319,374,000 1 $ 120,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 1 $ 65,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,595,709,000 1 $ 146,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 1 $ 73,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 1 $ 121,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 1 $ 5,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 1 $ 157,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 100,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 60,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 139,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 178,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 1 $ 146,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 134,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 99,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 135,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 123,000
Main Street Home Loans LLC
4010 OLD MILTON PARKWAY
ALPHARETTA, GA 30005
* $ 11,000,000 1 $ 108,000
Genequity Mortgage, Inc.
633 E STATE HIGHWAY 121 SOUTH #520
COPPELL, TX 75019
* $ 40,000,000 1 $ 192,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 1 $ 133,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ 40,000,000 1 $ 65,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 81,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 1 $ 246,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 85,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 153,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 165,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 180,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 636,542,000 1 $ 25,000
Firefly
1400 RIVERWOOD DR
BURNSVILLE, MN 55337
* $ 802,602,000 1 $ 109,000
McIntosh State Bank
1907 HIGHWAY 211
HOSCHTON, GA 30548
* $ 339,819,000 1 $ 277,000
State Bank and Trust Company
4219 FORSYTH ROAD
MACON, GA 31210
* $ 2,816,157,000 1 $ 403,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 85,000
Persons Banking Company
PO BOX 1188, 88 N LEE ST
FORSYTH, GA 31029
* $ 68,643,000 1 $ 30,000
The First State Bank
P.O. BOX 928
STOCKBRIDGE, GA 30281
* $ 563,746,000 1 $ 139,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 1,942,629,000 1 $ 88,000
Colony Bank
302 SOUTH MAIN ST.
FITZGERALD, GA 31750
* $ 1,272,967,000 1 $ 78,000
Mainstreet Community Bank of Florida
204 S. WOODLAND BLVD
DELAND, FL 32720
* $ 186,335,000 1 $ 48,000

The tables below break down 2011 mortgage applications in Lamar 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 Lamar County, GA in 2011

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 338 $44,111,000 $130,000 $535,000 $57,000 $260,000
Home Purchase 206 $20,538,000 $99,000 $308,000 $53,000 $550,000
Home Improvement 36 $1,042,000 $28,000 $121,000 $47,000 $165,000

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 415 $46,724,000 $112,000 $417,000 $58,000 $550,000
Not applicable 60 $7,049,000 $117,000 $535,000 $15,000 $98,000
Not Provided 56 $7,350,000 $131,000 $502,000 $71,000 $510,000
Black or African American 42 $3,496,000 $83,000 $308,000 $53,000 $186,000
Hispanic 6 $1,067,000 $177,000 $292,000 $76,000 $122,000
American Indian or Alaskan Native 1 $5,000 $5,000 $5,000 $64,000 $64,000
Asian 0 $0 $0 $0 $0 $0
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) 361 $39,369,000 $109,000 $535,000 $62,000 $550,000
FHA-insured (Federal Housing Administration) 146 $17,433,000 $119,000 $292,000 $43,000 $178,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 44 $4,359,000 $99,000 $178,000 $37,000 $77,000
VA-guaranteed (Veterans Administration) 29 $4,530,000 $156,000 $352,000 $52,000 $120,000

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 264 $28,220,000 $106,000 $535,000 $57,000 $231,000
Application Denied By Financial Institution 112 $12,415,000 $110,000 $502,000 $59,000 $550,000
Loan Purchased By The Institution 109 $12,237,000 $112,000 $403,000 $33,000 $142,000
Application Withdrawn By Applicant 44 $6,893,000 $156,000 $399,000 $67,000 $178,000
Application Approved But Not Accepted 34 $4,016,000 $118,000 $316,000 $60,000 $222,000
File Closed For Incompleteness 17 $1,910,000 $112,000 $260,000 $99,000 $510,000
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 27 $2,785,000 $103,000 $350,000 $80,000 $550,000
Collateral 26 $3,192,000 $122,000 $371,000 $64,000 $125,000
Debt-To-Income Ratio 17 $2,186,000 $128,000 $417,000 $50,000 $151,000
Credit Application Incomplete 4 $718,000 $179,000 $502,000 $75,000 $260,000
Other 4 $242,000 $60,000 $113,000 $44,000 $56,000
Unverifiable Information 3 $279,000 $93,000 $112,000 $52,000 $87,000
Employment History 1 $80,000 $80,000 $80,000 $18,000 $18,000
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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