Madison County, FL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 432 mortgage applications in Madison County, FL totaling $45.9 million, up 25% from 2015. The average application was for $106,000, and applicants reported an average income of $58,000. 32% of applications resulted in an originated loan and 37% were denied. The most active lender was 21st Mortgage, with 87 applications, followed by Wells Fargo Bank NA and Vanderbilt Mortgage and Finance, Inc.
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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 | 432 |
| Total Mortgage Loan Application Amount | $45,946,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $730,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $946,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 87 | $ 6,160,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 36 | $ 2,922,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 29 | $ 2,404,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 25 | $ 3,059,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 19 | $ 2,617,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 16 | $ 2,005,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 10 | $ 1,272,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,778,676,000 | 9 | $ 311,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 9 | $ 888,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 8 | $ 969,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 8 | $ 937,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ 133,851,000 | 7 | $ 686,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 6 | $ 780,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 6 | $ 460,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 5 | $ 289,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 467,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 5 | $ 721,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 4 | $ 492,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 5,592,561,000 | 4 | $ 612,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,172,145,000 | 4 | $ 882,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 3 | $ 108,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 667,544,000 | 3 | $ 204,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 187,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 3 | $ 835,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 25,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 3 | $ 357,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 3 | $ 312,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 2 | $ 59,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 246,485,756,000 | 2 | $ 732,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 172,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 150,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 2 | $ 129,000 |
| Farmers & Merchants Bank 200 E. WASHINGTON STREET MONTICELLO, FL 32344 |
* | $ 432,521,000 | 2 | $ 505,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,560,707,000 | 2 | $ 138,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 193,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 386,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 2 | $ 351,000 |
| Community First Credit Union of Florida 637 N. LEE STREET JACKSONVILLE, FL 32204 |
* | $ 1,322,799,000 | 2 | $ 238,000 |
| Southern Pine Credit Union P O BOX 1048 VALDOSTA, GA 31603 |
* | $ 44,105,000 | 2 | $ 250,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 288,284,000 | 2 | $ 592,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 311,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 2 | $ 171,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ 716,883,000 | 2 | $ 222,000 |
| Campus USA Credit Union 14007 NW 1ST RD NEWBERRY, FL 32669 |
* | $ 1,397,844,000 | 2 | $ 232,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 586,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ 29,436,748,000 | 2 | $ 270,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 215,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 222,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 5,095,134,000 | 1 | $ 140,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 155,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Thomasville National Bank 301 N. BROAD STREET THOMASVILLE, GA 31792 |
* | $ 753,020,000 | 1 | $ 54,000 |
| Heartland National Bank 320 US HWY 27 NORTH SEBRING, FL 33870 |
* | $ 333,620,000 | 1 | $ 49,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 464,368,000 | 1 | $ 151,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 235,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 248,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 115,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Americas Mortgage Professionals, LLC 2601 E OAKLAND PARK BLVD, SUITE 500 FORT LAUDERDALE, FL 33306 |
* | $ 36,046,000 | 1 | $ 80,000 |
| Mortgage Lenders Investment Tr 1400 INTERNATIONAL PARKWAY SOUTH SUITE 1000 LAKE MARY LAKE MARY, FL 32746 |
* | $ 2,578,000 | 1 | $ 80,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 123,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 135,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 542,501,000 | 1 | $ 213,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 180,082,000 | 1 | $ 42,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 201,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 156,000 |
| Odyssey Funding LLC 8133 LEESBURG PIKE SUITE 450 VIENNA, VA 22182 |
* | $ 825,000,000 | 1 | $ 142,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 294,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 91,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 132,000 |
| Semper Home Loans, Inc 225 DUPONT DRIVE PROVIDENCE, RI 02907 |
* | $ 3,295,000 | 1 | $ 136,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 97,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 95,747,000 | 1 | $ 123,000 |
| The Citizens National Bank of Quitman 100 EAST STEVENS STREET QUITMAN, GA 31643 |
* | $ 97,930,000 | 1 | $ 3,000 |
| Seacoast National Bank 815 S COLORADO AVE MIAMI, FL 34994 |
* | $ 3,536,230,000 | 1 | $ 148,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 130,772,000 | 1 | $ 51,000 |
| Orion Federal Credit Union 7845 HIGHWAY 64 MEMPHIS, TN 38103 |
* | $ 595,215,000 | 1 | $ 92,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 15,843,566,000 | 1 | $ 80,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 77,000 |
| Skyline Financial Corp. 27001 AGOURA ROAD STE. 350 CALABASAS, CA 91301 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 62,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 75,000 |
| First Commerce Credit Union 2073 LAKE SUMMIT TALLAHASSEE, FL 32310 |
* | $ 481,089,000 | 1 | $ 119,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 1 | $ 680,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 9,870,373,000 | 1 | $ 3,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 487,384,000 | 1 | $ 445,000 |
| Commercial Banking Company 3462 NORTH VALDOSTA ROAD VALDOSTA, GA 31602 |
* | $ 227,191,000 | 1 | $ 395,000 |
| Banksouth 6340 LAKE OCONEE PARKWAY GREENSBORO, GA 30642 |
* | $ 451,841,000 | 1 | $ 166,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 56,000 |
The tables below break down 2016 mortgage applications in Madison County, FL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Madison County, FL 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 245 | $25,434,000 | $103,000 | $730,000 | $60,000 | $946,000 |
| Refinancing | 156 | $19,558,000 | $125,000 | $550,000 | $58,000 | $783,000 |
| Home Improvement | 31 | $954,000 | $30,000 | $105,000 | $49,000 | $178,000 |
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 | 232 | $27,218,000 | $117,000 | $730,000 | $69,000 | $946,000 |
| Black or African American | 99 | $7,787,000 | $78,000 | $276,000 | $48,000 | $783,000 |
| Not Provided | 49 | $6,321,000 | $129,000 | $350,000 | $65,000 | $450,000 |
| Not applicable | 28 | $2,313,000 | $82,000 | $207,000 | $1,000 | $34,000 |
| Hispanic | 19 | $1,514,000 | $79,000 | $264,000 | $46,000 | $87,000 |
| Asian | 3 | $198,000 | $66,000 | $89,000 | $66,000 | $113,000 |
| American Indian or Alaskan Native | 2 | $595,000 | $297,000 | $340,000 | $101,000 | $123,000 |
| 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) | 290 | $28,289,000 | $97,000 | $730,000 | $65,000 | $946,000 |
| FHA-insured (Federal Housing Administration) | 92 | $10,421,000 | $113,000 | $276,000 | $42,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 35 | $5,721,000 | $163,000 | $466,000 | $63,000 | $234,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,515,000 | $101,000 | $163,000 | $25,000 | $56,000 |
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 | 161 | $16,248,000 | $100,000 | $680,000 | $56,000 | $783,000 |
| Loan Originated | 138 | $16,168,000 | $117,000 | $730,000 | $69,000 | $946,000 |
| File Closed For Incompleteness | 52 | $4,769,000 | $91,000 | $350,000 | $60,000 | $450,000 |
| Application Withdrawn By Applicant | 38 | $4,378,000 | $115,000 | $215,000 | $58,000 | $300,000 |
| Loan Purchased By The Institution | 33 | $3,641,000 | $110,000 | $207,000 | $31,000 | $148,000 |
| Application Approved But Not Accepted | 10 | $742,000 | $74,000 | $120,000 | $37,000 | $109,000 |
| 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 | 16 | $970,000 | $60,000 | $157,000 | $50,000 | $178,000 |
| Debt-To-Income Ratio | 14 | $1,251,000 | $89,000 | $466,000 | $47,000 | $117,000 |
| Collateral | 9 | $1,794,000 | $199,000 | $680,000 | $106,000 | $339,000 |
| Credit Application Incomplete | 8 | $1,251,000 | $156,000 | $264,000 | $67,000 | $138,000 |
| Other | 4 | $300,000 | $75,000 | $128,000 | $45,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $93,000 | $93,000 | $93,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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