First Federal S&L Association Mortgage Lending & HMDA Data, 2021
In 2021, First Federal S&L Association of Valdosta, GA reported 210 mortgage applications totaling $36.5 million, up 26% from 2020. The average application was for $173,809, and applicants reported an average income of $95,204. 96% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Valdosta, GA (205) and Atlanta-Sandy Springs-Roswell, GA (1).
| Mortgage Company & Address | First Federal S&L Association Po Box 888 Valdosta, GA 31603 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 210 |
| Total Mortgage Loan Application Amount | $36,500,000 |
| Average Mortgage Loan Application Amount | $173,809 |
| Highest Mortgage Loan Application Amount | $935,000 |
| Average Applicant Income | $95,204 |
| Highest Applicant Income | $822,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal S&L Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lowndes, Georgia | 177 | $ 31,635,000 | $ 178,728 | $ 97,000 |
| Brooks, Georgia | 18 | $ 3,230,000 | $ 179,444 | $ 86,000 |
| Echols, Georgia | 8 | $ 850,000 | $ 106,250 | $ 65,000 |
| Cook, Georgia | 3 | $ 165,000 | $ 55,000 | $ 67,000 |
| Lanier, Georgia | 2 | $ 280,000 | $ 140,000 | $ 104,000 |
| Berrien, Georgia | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| DeKalb, Georgia | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for First Federal S&L Association in 2021
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 | 139 | $24,405,000 | $175,000 | $725,000 | $87,000 | $396,000 |
| Refinancing | 65 | $11,945,000 | $183,000 | $935,000 | $117,000 | $822,000 |
| Home Improvement | 5 | $125,000 | $25,000 | $55,000 | $52,000 | $115,000 |
| Other Purpose | 1 | $25,000 | $25,000 | $25,000 | $35,000 | $35,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 115 | $21,705,000 | $188,000 | $935,000 | $98,000 | $822,000 |
| Black or African American | 55 | $8,935,000 | $162,000 | $555,000 | $93,000 | $396,000 |
| Not applicable | 17 | $1,965,000 | $115,000 | $725,000 | $0 | $0 |
| Hispanic | 11 | $2,155,000 | $195,000 | $505,000 | $100,000 | $213,000 |
| Asian | 10 | $1,220,000 | $122,000 | $265,000 | $70,000 | $120,000 |
| Not Provided | 1 | $415,000 | $415,000 | $415,000 | $86,000 | $86,000 |
| American Indian or Alaskan Native | 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) | 210 | $36,500,000 | $173,000 | $935,000 | $95,000 | $822,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 201 | $34,295,000 | $170,000 | $935,000 | $93,000 | $822,000 |
| Application Withdrawn By Applicant | 8 | $1,790,000 | $223,000 | $465,000 | $103,000 | $396,000 |
| Application Denied By Financial Institution | 1 | $415,000 | $415,000 | $415,000 | $395,000 | $395,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 | 209 | $36,085,000 | $172,000 | $935,000 | $93,000 | $822,000 |
| Collateral | 1 | $415,000 | $415,000 | $415,000 | $395,000 | $395,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S&L Association's 2021 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 First Federal S&L Association'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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