Lincoln County, GA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 326 mortgage applications in Lincoln County, GA totaling $37.8 million, up 12% from 2013. The average application was for $115,000, and applicants reported an average income of $65,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was Farmers State Bank, with 57 applications, followed by F & M Bank and Wells Fargo Bank NA.
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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 | 326 |
| Total Mortgage Loan Application Amount | $37,807,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $404,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $547,000 |
* 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 |
|---|---|---|---|---|
| Farmers State Bank 115 NORTH WASHINGTON STREET LINCOLNTON, GA 30817 |
* | $ 124,411,000 | 57 | $ 5,252,000 |
| F & M Bank 911 EAST ROBERT TOOMBS AVE WASHINGTON, GA 30673 |
* | $ 258,702,000 | 37 | $ 3,496,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 18 | $ 2,022,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 15 | $ 1,323,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 15 | $ 1,833,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 1,075,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 12 | $ 1,814,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 10 | $ 1,453,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 7 | $ 213,000 |
| Queensborough National Bank and Trust 3617 WALTON WAY EXT. LOUISVILLE, GA 30434 |
* | $ 836,474,000 | 7 | $ 692,000 |
| Georgia B&Tc of Augusta P O BOX 15367 AUGUSTA, GA 30919 |
* | $ 1,687,075,000 | 7 | $ 833,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 516,135,000 | 6 | $ 606,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 465,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 493,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 2,561,135,000 | 4 | $ 898,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 725,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 8,311,659,000 | 4 | $ 724,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 4 | $ 503,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 4 | $ 1,009,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 4 | $ 378,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 3 | $ 394,000 |
| Certusbank, N.A. 2 WEST WASHINGTON STREET 5TH FLOOR GREENVILLE, SC 29601 |
* | $ 1,656,164,000 | 3 | $ 951,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 3 | $ 326,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 239,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 467,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 3 | $ 395,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 2 | $ 331,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 186,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 230,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 159,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 220,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,392,483,000 | 2 | $ 98,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 290,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 235,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 25,878,030,000 | 1 | $ 36,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 170,000 |
| Community & Southern Bank 3333 RIVERWOOD PARKWAY SUITE #350 ATLANTA, GA 30339 |
* | $ 2,805,106,000 | 1 | $ 293,000 |
| Srp Federal Credit Union 1070 EDGEFIELD ROAD NORTH AUGUSTA, SC 29841 |
* | $ 654,085,000 | 1 | $ 60,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 106,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 173,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 113,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 1 | $ 20,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 191,000 |
| The National Bank of Georgia 2234 WEST BROAD STREET ATHENS, GA 30606 |
* | $ 328,682,000 | 1 | $ 45,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 248,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 72,000 |
| First Choice Mortgage, Inc. 217 DAVIS RD AUGUSTA, GA 30907 |
* | $ 482,438,000 | 1 | $ 109,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 135,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 140,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 114,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 97,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 256,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ 10,000,000 | 1 | $ 154,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 233,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 110,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 0 | 1 | $ 140,000 |
| First Madison Bank & Trust 780 HIGHWAY 29 NORTH ATHENS, GA 30601 |
* | $ 158,803,000 | 1 | $ 365,000 |
| Southern Bank P.O. BOX 100 SARDIS, GA 30456 |
* | $ 82,803,000 | 1 | $ 119,000 |
| Ft Gordon and Community Cr Un P.O. BOX 7256 FT GORDON,, GA 30905 |
* | $ 63,627,000 | 1 | $ 64,000 |
| Credit Union Financial Services, LLC 2476 LAWRENCEVILLE HIGHWAY SUITE 101 DECATUR, GA 30033 |
* | $ 81,511,000 | 1 | $ 86,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 82,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 80,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 62,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 191,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 96,000 |
| R M K Financial Corp. 1819 S. EXCISE AVENUE ONTARIO, CA 91761 |
* | $ 16,639,000 | 1 | $ 135,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 232,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 1 | $ 180,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 22,971,000,000 | 1 | $ 205,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 300,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 150,000 |
The tables below break down 2014 mortgage applications in Lincoln 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 Lincoln County, GA in 2014
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 | 191 | $22,077,000 | $115,000 | $397,000 | $63,000 | $547,000 |
| Home Purchase | 120 | $14,942,000 | $124,000 | $404,000 | $68,000 | $396,000 |
| Home Improvement | 15 | $788,000 | $52,000 | $380,000 | $58,000 | $191,000 |
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 | 224 | $25,992,000 | $116,000 | $404,000 | $77,000 | $547,000 |
| Black or African American | 44 | $4,421,000 | $100,000 | $251,000 | $46,000 | $134,000 |
| Not applicable | 32 | $4,680,000 | $146,000 | $365,000 | $18,000 | $176,000 |
| Not Provided | 19 | $2,079,000 | $109,000 | $256,000 | $54,000 | $155,000 |
| Hispanic | 4 | $194,000 | $48,000 | $93,000 | $42,000 | $74,000 |
| American Indian or Alaskan Native | 2 | $223,000 | $111,000 | $114,000 | $26,000 | $43,000 |
| Asian | 1 | $218,000 | $218,000 | $218,000 | $67,000 | $67,000 |
| 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) | 257 | $28,669,000 | $111,000 | $404,000 | $70,000 | $547,000 |
| FHA-insured (Federal Housing Administration) | 41 | $4,891,000 | $119,000 | $196,000 | $45,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,164,000 | $158,000 | $268,000 | $46,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,083,000 | $135,000 | $265,000 | $39,000 | $74,000 |
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 | 180 | $20,155,000 | $111,000 | $404,000 | $69,000 | $547,000 |
| Application Denied By Financial Institution | 68 | $7,115,000 | $104,000 | $397,000 | $57,000 | $199,000 |
| Application Withdrawn By Applicant | 32 | $4,789,000 | $149,000 | $397,000 | $92,000 | $396,000 |
| Loan Purchased By The Institution | 27 | $3,750,000 | $138,000 | $293,000 | $27,000 | $176,000 |
| Application Approved But Not Accepted | 15 | $1,428,000 | $95,000 | $172,000 | $54,000 | $155,000 |
| File Closed For Incompleteness | 4 | $570,000 | $142,000 | $256,000 | $79,000 | $108,000 |
| 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 | $512,000 | $56,000 | $158,000 | $54,000 | $132,000 |
| Collateral | 8 | $1,245,000 | $155,000 | $397,000 | $80,000 | $132,000 |
| Credit Application Incomplete | 8 | $1,000,000 | $125,000 | $191,000 | $58,000 | $189,000 |
| Debt-To-Income Ratio | 7 | $629,000 | $89,000 | $140,000 | $62,000 | $90,000 |
| Other | 3 | $527,000 | $175,000 | $252,000 | $98,000 | $199,000 |
| Unverifiable Information | 1 | $218,000 | $218,000 | $218,000 | $67,000 | $67,000 |
| Employment History | 1 | $150,000 | $150,000 | $150,000 | $47,000 | $47,000 |
| 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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