In 2017, lenders reported 430 mortgage applications in Madison County, FL totaling $66.0 million, about the same as 2016. The average application was for $153,000, and applicants reported an average income of $178,000. 31% of applications resulted in an originated loan and 35% were denied. The most active lender was 21st Mortgage, with 78 applications, followed by Wells Fargo Bank NA and Nationstar Mortgage.
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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 | 430 |
| Total Mortgage Loan Application Amount | $66,029,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $20,000,000 |
| Average Applicant Income | $178,000 |
| Highest Applicant Income | $52,430,000 |
| 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 |
* | $ -1,000 | 78 | $ 6,544,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 29 | $ 2,595,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 27 | $ 3,528,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 26 | $ 3,386,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 22 | $ 2,854,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 14 | $ 1,059,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 11 | $ 1,223,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,823,693,000 | 11 | $ 1,777,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 9 | $ 1,059,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 7 | $ 247,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,018,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 6,884,999,000 | 6 | $ 419,000 |
| Florida Credit Union PO BOX 5549 GAINESVILLE, FL 32627 |
* | $ 862,575,000 | 6 | $ 487,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 6 | $ 479,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 5 | $ 638,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 5 | $ 409,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 5 | $ 884,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 4 | $ 850,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 440,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 4 | $ 155,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 4 | $ 627,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 177,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 393,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 323,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 409,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 334,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ 0 | 3 | $ 233,000 |
| Synovus Mortgage Corp. 800 SHADES CREEK PARKWAY BIRMINGHAM, AL 35209 |
* | $ -1,000 | 3 | $ 434,000 |
| Vystar Credit Union 4949 BLANDING BLVD JACKSONVILLE, FL 32202 |
* | $ 6,551,987,000 | 3 | $ 431,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,042,021,000 | 2 | $ 85,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ 811,516,000 | 2 | $ 133,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 168,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 311,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 512,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 2 | $ 134,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 156,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 2 | $ 287,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 2 | $ 183,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 546,069,000 | 2 | $ 185,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 4,384,678,000 | 2 | $ 378,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 2 | $ 128,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 311,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 271,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 120,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,896,533,000 | 2 | $ 171,000 |
| Farmers & Merchants Bank 200 E. WASHINGTON STREET MONTICELLO, FL 32344 |
* | $ 460,301,000 | 2 | $ 242,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 7,568,756,000 | 1 | $ 38,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 221,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 92,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 66,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ 0 | 1 | $ 124,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 715,254,000 | 1 | $ 49,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ -1,000 | 1 | $ 120,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ 0 | 1 | $ 76,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 42,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 45,524,776,000 | 1 | $ 195,000 |
| Addition Financial Credit Union 1000 PRIMERA BLVD LAKE MARY, FL 32746 |
* | $ 1,669,224,000 | 1 | $ 40,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 77,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,576,177,000 | 1 | $ 1,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 1 | $ 65,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 102,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 171,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 54,000 |
| Group One Mortgage, Inc. 900 EAST INDIANTOWN ROAD, SUITE 110 JUPITER, FL 33477 |
* | $ -1,000 | 1 | $ 81,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 215,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 1 | $ 14,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 95,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 114,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 227,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 76,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 151,255,000 | 1 | $ 40,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 1 | $ 160,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 69,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 140,000 |
| First Commerce Credit Union 2073 LAKE SUMMIT TALLAHASSEE, FL 32310 |
* | $ 512,717,000 | 1 | $ 20,000,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 103,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 1 | $ 63,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 143,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 186,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 595,178,000 | 1 | $ 224,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 103,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 130,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 168,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 210,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 1 | $ 10,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 1 | $ 59,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,208,667,000 | 1 | $ 50,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ -1,000 | 1 | $ 168,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 133,967,000 | 1 | $ 10,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 88,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 149,000 |
| Peach State Bank & Trust 325 WASHINGTON STREET GAINESVILLE, GA 30501 |
* | $ 170,508,000 | 1 | $ 98,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 568,425,000 | 1 | $ 175,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 100,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 18,874,479,000 | 1 | $ 86,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 7,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 75,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 47,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,121,439,000 | 1 | $ 46,000 |
| Sunshine Community Bank 1400 E PARK AVENUE TALLAHASSEE, FL 32301 |
* | $ 173,103,000 | 1 | $ 58,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 136,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 134,000 |
The tables below break down 2017 mortgage applications in Madison County, FL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 236 | $24,951,000 | $105,000 | $400,000 | $55,000 | $173,000 |
| Refinancing | 164 | $20,112,000 | $122,000 | $757,000 | $56,000 | $357,000 |
| Home Improvement | 30 | $20,966,000 | $698,000 | $20,000,000 | $1,812,000 | $52,430,000 |
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 | 273 | $30,177,000 | $110,000 | $292,000 | $59,000 | $290,000 |
| Black or African American | 79 | $26,831,000 | $339,000 | $20,000,000 | $714,000 | $52,430,000 |
| Not Provided | 44 | $5,976,000 | $135,000 | $757,000 | $70,000 | $357,000 |
| Hispanic | 16 | $1,374,000 | $85,000 | $217,000 | $46,000 | $151,000 |
| Not applicable | 13 | $1,430,000 | $110,000 | $255,000 | $7,000 | $55,000 |
| American Indian or Alaskan Native | 4 | $226,000 | $56,000 | $130,000 | $41,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $15,000 | $15,000 | $15,000 | $9,000 | $9,000 |
| Asian | 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) | 282 | $47,680,000 | $169,000 | $20,000,000 | $246,000 | $52,430,000 |
| FHA-insured (Federal Housing Administration) | 84 | $8,932,000 | $106,000 | $275,000 | $47,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 50 | $7,571,000 | $151,000 | $400,000 | $54,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,846,000 | $131,000 | $168,000 | $34,000 | $84,000 |
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 | 152 | $13,174,000 | $86,000 | $400,000 | $53,000 | $230,000 |
| Loan Originated | 135 | $36,202,000 | $268,000 | $20,000,000 | $452,000 | $52,430,000 |
| Application Withdrawn By Applicant | 56 | $6,838,000 | $122,000 | $400,000 | $55,000 | $240,000 |
| File Closed For Incompleteness | 46 | $4,923,000 | $107,000 | $276,000 | $58,000 | $180,000 |
| Loan Purchased By The Institution | 30 | $3,928,000 | $130,000 | $285,000 | $43,000 | $152,000 |
| Application Approved But Not Accepted | 11 | $964,000 | $87,000 | $221,000 | $43,000 | $95,000 |
| 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 | 23 | $1,078,000 | $46,000 | $139,000 | $57,000 | $148,000 |
| Collateral | 19 | $2,314,000 | $121,000 | $400,000 | $68,000 | $120,000 |
| Debt-To-Income Ratio | 12 | $1,245,000 | $103,000 | $308,000 | $70,000 | $150,000 |
| Credit Application Incomplete | 7 | $824,000 | $117,000 | $138,000 | $45,000 | $79,000 |
| Other | 3 | $292,000 | $97,000 | $136,000 | $62,000 | $107,000 |
| Unverifiable Information | 1 | $124,000 | $124,000 | $124,000 | $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 |
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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