Banksouth Mortgage Company LLC Mortgage Lending & HMDA Data, 2025
In 2025, Banksouth Mortgage Company LLC of Greensboro, GA reported 2,555 mortgage applications totaling $1.0 billion, down 15% from 2024. The average application was for $393,371, and applicants reported an average income of $170,470. 81% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,082), Marietta, GA (516) and Savannah, GA (168) (applications in parentheses).
| Mortgage Company & Address | Banksouth Mortgage Company LLC 6340 Lake Oconee Parkway Suite 202 Greensboro, GA 30642 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 2,555 |
| Total Mortgage Loan Application Amount | $1,005,065,000 |
| Average Mortgage Loan Application Amount | $393,371 |
| Highest Mortgage Loan Application Amount | $3,305,000 |
| Average Applicant Income | $170,470 |
| Highest Applicant Income | $2,888,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Banksouth Mortgage Company LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 1,082 | $ 468,650,000 | $ 433,133 | $ 184,000 |
| Marietta, GA | 516 | $ 195,010,000 | $ 377,926 | $ 154,000 |
| Outside any metro area | 338 | $ 140,520,000 | $ 415,739 | $ 210,594 |
| Savannah, GA | 168 | $ 59,290,000 | $ 352,916 | $ 141,000 |
| Valdosta, GA | 110 | $ 25,240,000 | $ 229,454 | $ 91,000 |
| Athens-Clarke County, GA | 62 | $ 20,930,000 | $ 337,580 | $ 161,000 |
| Gainesville, GA | 38 | $ 15,500,000 | $ 407,894 | $ 149,000 |
| Augusta-Richmond County, GA-SC | 33 | $ 9,665,000 | $ 292,878 | $ 130,454 |
| Chattanooga, TN-GA | 29 | $ 9,105,000 | $ 313,965 | $ 124,551 |
| Hinesville, GA | 26 | $ 7,750,000 | $ 298,076 | $ 99,000 |
| Rome, GA | 20 | $ 4,830,000 | $ 241,500 | $ 94,000 |
| Dalton, GA | 15 | $ 4,025,000 | $ 268,333 | $ 91,000 |
| Greenville-Anderson-Mauldin, SC | 15 | $ 4,215,000 | $ 281,000 | $ 132,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 8,780,000 | $ 731,666 | $ 387,000 |
| Tampa, FL | 12 | $ 3,570,000 | $ 297,500 | $ 185,000 |
| Panama City, FL | 8 | $ 2,170,000 | $ 271,250 | $ 163,000 |
| Spartanburg, SC | 8 | $ 2,430,000 | $ 303,750 | $ 98,000 |
| Warner Robins, GA | 6 | $ 1,370,000 | $ 228,333 | $ 101,000 |
| Auburn-Opelika, AL | 5 | $ 1,135,000 | $ 227,000 | $ 202,000 |
| Brunswick, GA | 4 | $ 1,060,000 | $ 265,000 | $ 101,000 |
| Albany, GA | 3 | $ 825,000 | $ 275,000 | $ 101,000 |
| Jacksonville, FL | 3 | $ 925,000 | $ 308,333 | $ 125,000 |
| Macon-Bibb County, GA | 3 | $ 1,015,000 | $ 338,333 | $ 162,000 |
| Birmingham-Hoover, AL | 2 | $ 750,000 | $ 375,000 | $ 59,000 |
| Charleston-North Charleston, SC | 2 | $ 1,050,000 | $ 525,000 | $ 197,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,100,000 | $ 550,000 | $ 190,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 910,000 | $ 455,000 | $ 242,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 2,360,000 | $ 1,180,000 | $ 649,000 |
| Knoxville, TN | 2 | $ 1,380,000 | $ 690,000 | $ 391,000 |
| New Orleans-Metairie, LA | 2 | $ 780,000 | $ 390,000 | $ 224,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 910,000 | $ 455,000 | $ 169,000 |
| Punta Gorda, FL | 2 | $ 410,000 | $ 205,000 | $ 88,000 |
| Tallahassee, FL | 2 | $ 580,000 | $ 290,000 | $ 131,000 |
| Wilmington, NC | 2 | $ 870,000 | $ 435,000 | $ 170,000 |
| Asheville, NC | 1 | $ 445,000 | $ 445,000 | $ 110,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 475,000 | $ 475,000 | $ 324,000 |
| Clarksville, TN-KY | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Cleveland, TN | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Columbus, GA-AL | 1 | $ 135,000 | $ 135,000 | $ 350,000 |
| Dallas-Plano-Irving, TX | 1 | $ 955,000 | $ 955,000 | $ 861,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 385,000 | $ 385,000 | $ 98,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 805,000 | $ 805,000 | $ 523,000 |
| Florence, SC | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Florence-Muscle Shoals, AL | 1 | $ 175,000 | $ 175,000 | $ 161,000 |
| Jackson, MS | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| Kokomo, IN | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Lakeland-Winter Haven, FL | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| Mobile, AL | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Raleigh, NC | 1 | $ 785,000 | $ 785,000 | $ 363,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Banksouth Mortgage Company LLC 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 | 2,333 | $906,395,000 | $388,000 | $3,305,000 | $167,000 | $2,888,000 |
| Refinancing | 141 | $71,715,000 | $508,000 | $2,985,000 | $238,000 | $2,649,000 |
| Cash-out Refinancing | 64 | $22,600,000 | $353,000 | $1,505,000 | $141,000 | $513,000 |
| Other Purpose | 14 | $3,910,000 | $279,000 | $805,000 | $225,000 | $516,000 |
| Home Improvement | 3 | $445,000 | $148,000 | $255,000 | $70,000 | $91,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 1,440 | $602,800,000 | $418,000 | $3,305,000 | $189,000 | $2,888,000 |
| Black or African American | 382 | $119,280,000 | $312,000 | $1,005,000 | $108,000 | $613,000 |
| Not Provided | 362 | $147,090,000 | $406,000 | $2,985,000 | $171,000 | $2,649,000 |
| Hispanic | 223 | $74,895,000 | $335,000 | $1,445,000 | $137,000 | $2,263,000 |
| Asian | 136 | $56,310,000 | $414,000 | $1,575,000 | $197,000 | $1,089,000 |
| American Indian or Alaskan Native | 9 | $2,995,000 | $332,000 | $555,000 | $138,000 | $314,000 |
| Not applicable | 2 | $880,000 | $440,000 | $485,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $815,000 | $815,000 | $815,000 | $681,000 | $681,000 |
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) | 1,579 | $698,485,000 | $442,000 | $3,305,000 | $214,000 | $2,888,000 |
| FHA-insured (Federal Housing Administration) | 732 | $223,030,000 | $304,000 | $695,000 | $97,000 | $464,000 |
| VA-guaranteed (Veterans Administration) | 211 | $74,395,000 | $352,000 | $1,175,000 | $116,000 | $537,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $9,155,000 | $277,000 | $375,000 | $89,000 | $144,000 |
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 | 2,062 | $798,390,000 | $387,000 | $2,475,000 | $168,000 | $2,888,000 |
| Application Withdrawn By Applicant | 359 | $155,565,000 | $433,000 | $3,305,000 | $187,000 | $2,336,000 |
| Application Denied By Financial Institution | 101 | $34,175,000 | $338,000 | $2,985,000 | $139,000 | $2,649,000 |
| File Closed For Incompleteness | 27 | $14,345,000 | $531,000 | $1,285,000 | $216,000 | $440,000 |
| Application Approved But Not Accepted | 4 | $1,710,000 | $427,000 | $735,000 | $190,000 | $282,000 |
| Loan Purchased By The Institution | 2 | $880,000 | $440,000 | $485,000 | $0 | $0 |
| 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 | 2,454 | $970,890,000 | $395,000 | $3,305,000 | $172,000 | $2,888,000 |
| Debt-To-Income Ratio | 26 | $9,520,000 | $366,000 | $695,000 | $89,000 | $263,000 |
| Collateral | 17 | $3,945,000 | $232,000 | $445,000 | $105,000 | $263,000 |
| Credit History | 17 | $4,615,000 | $271,000 | $425,000 | $102,000 | $313,000 |
| Credit Application Incomplete | 15 | $7,275,000 | $485,000 | $2,985,000 | $283,000 | $2,649,000 |
| Unverifiable Information | 12 | $3,940,000 | $328,000 | $565,000 | $103,000 | $185,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $2,150,000 | $358,000 | $655,000 | $440,000 | $1,039,000 |
| Employment History | 5 | $1,895,000 | $379,000 | $525,000 | $90,000 | $111,000 |
| Other | 3 | $835,000 | $278,000 | $325,000 | $75,000 | $79,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Banksouth Mortgage Company LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Banksouth Mortgage Company LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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