Madison County, GA Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,424 mortgage applications in Madison County, GA totaling $213.7 million, up 13% from 2018. The average application was for $150,000, and applicants reported an average income of $70,000. 50% of applications resulted in an originated loan and 17% were denied. The most active lender was 21st Mortgage, with 110 applications, followed by First Ciitizens Bank and Trust and Wells Fargo Bank NA.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Georgia.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,424
Total Mortgage Loan Application Amount $213,730,000
Average Mortgage Loan Application Amount $150,000
Highest Mortgage Loan Application Amount $805,000
Average Applicant Income $70,000
Highest Applicant Income $486,000

Mortgage Company List for Lending in Madison County, GA for 2019

* 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
* $ -1,000 110 $ 10,940,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 35,267,496,000 80 $ 7,460,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 66 $ 9,950,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 58 $ 11,760,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 52 $ 9,010,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 42 $ 7,080,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 36 $ 6,200,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 35 $ 6,765,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 12,548,727,000 31 $ 3,525,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 31 $ 3,265,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 28 $ 3,560,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 27 $ 5,015,000
Banksouth Mortgage Company LLC
6340 LAKE OCONEE PARKWAY SUITE 202
GREENSBORO, GA 30642
* $ -1,000 27 $ 4,805,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 1,359,039,000 26 $ 2,410,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 32,580,905,000 22 $ 1,770,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 22 $ 2,000,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 21 $ 3,845,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 21 $ 3,085,000
First American Bank
300 COLLEGE AVE
ATHENS, GA 30607
* $ 532,715,000 20 $ 3,180,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 19 $ 3,675,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 19 $ 4,085,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 19 $ 3,485,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 17 $ 3,095,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 17 $ 2,925,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 17 $ 3,035,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 16 $ 2,890,000
Synovus Mortgage Corp.
800 SHADES CREEK PARKWAY
BIRMINGHAM, AL 35209
* $ -1,000 15 $ 2,165,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 14,673,422,000 15 $ 2,365,000
Pinnacle Bank
884 ELBERT STREET
ELBERTON, GA 30635
* $ 947,125,000 14 $ 1,890,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 2,755,000
Robins Financial Credit Union
803 WATSON BOULEVARD
WARNER ROBINS, GA 31095
* $ 2,509,837,000 13 $ 855,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 13 $ 755,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 13 $ 1,595,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 12 $ 1,600,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 1,760,000
First Madison Bank & Trust
780 HIGHWAY 29 NORTH
ATHENS, GA 30601
* $ 258,311,000 12 $ 810,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 11 $ 2,095,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 11 $ 2,075,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 1,815,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 1,845,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 10 $ 1,680,000
The Commercial Bank
102 N. CHURCH STREET
CRAWFORD, GA 30630
* $ 183,315,000 10 $ 1,090,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 8 $ 1,640,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 8 $ 1,220,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 7 $ 1,165,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 7 $ 725,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ -1,000 6 $ 940,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ -1,000 6 $ 1,040,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 6 $ 260,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 11,357,345,000 6 $ 950,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 4,734,882,000 6 $ 930,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 6 $ 1,370,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 6 $ 620,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 6 $ 1,050,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 825,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 5 $ 875,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 5 $ 785,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 5 $ 655,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 575,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 5 $ 1,015,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 5 $ 635,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 905,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 30,737,643,000 5 $ 865,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 970,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 4 $ 540,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 4 $ 510,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 4 $ 480,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 4 $ 890,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 4 $ 470,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 565,000
Oconee State Bank
P.O. BOX 205
WATKINSVILLE, GA 30677
* $ 349,811,000 3 $ 515,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 3 $ 655,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 565,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 685,000
Credit Union Financial Services, LLC
2476 LAWRENCEVILLE HIGHWAY SUITE 101
DECATUR, GA 30033
* $ -1,000 3 $ 775,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 665,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 3 $ 595,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 525,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 505,000
Banksouth
6340 LAKE OCONEE PARKWAY
GREENSBORO, GA 30642
* $ 634,677,000 3 $ 735,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,121,514,000 2 $ 200,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 8,400,747,000 2 $ 50,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 340,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 2 $ 580,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 2 $ 390,000
Radius Financial Group Inc
600 LONGWATER DRIVE SUITE 107
NORWELL, MA 02061
* $ -1,000 2 $ 390,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 230,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 170,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 330,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 2 $ 600,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 220,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 360,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 340,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 2 $ 320,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 210,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 440,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 2 $ 380,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 2 $ 160,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 320,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 2 $ 50,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 2 $ 380,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 390,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 2 $ 330,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 1,613,712,000 1 $ 45,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 1 $ 95,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ -1,000 1 $ 275,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 1 $ 175,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 2,406,138,000 1 $ 65,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 779,710,000 1 $ 55,000
Guaranty Mortgage Services, LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 175,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,942,070,000 1 $ 225,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 175,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 155,000
Sofi Mortgage, LLC
6175 MAIN STREET, SUITE 490
FRISCO, TX 75034
* $ -1,000 1 $ 95,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 175,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 165,000
United Bank
PO BOX 1337
ZEBULON, GA 30295
* $ 1,389,578,000 1 $ 135,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 1 $ 215,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 1 $ 45,000
United Bank
225 ASYLUM ST
HARTFORD, CT 06103
* $ 7,347,510,000 1 $ 125,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 8,305,036,000 1 $ 205,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 395,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 1 $ 75,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 155,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 1 $ 545,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ -1,000 1 $ 105,000
Liberty First Bank
1901 WEST SPRING STREET
MONROE, GA 30655
* $ 131,579,000 1 $ 55,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 145,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ -1,000 1 $ 195,000
Prime Choice Funding Inc.
17852 17TH ST #107
TUSTIN, CA 92780
* $ -1,000 1 $ 155,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 125,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 115,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 155,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 235,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,483,865,000 1 $ 25,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 105,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ -1,000 1 $ 225,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 1 $ 165,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 5,756,303,000 1 $ 145,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 305,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 1 $ 85,000
Farmers-Merchants Bank of Illinois
P.O. BOX 217
JOY, IL 61260
* $ 173,321,000 1 $ 115,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 7,183,022,000 1 $ 55,000
Mortgage Assurance Inc
333 NORTH POINT CENTER E SUITE 230
ALPHARETTA, GA 30022
* $ -1,000 1 $ 215,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 45,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 255,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 165,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 225,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 185,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 75,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 125,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 235,000

The tables below break down 2019 mortgage applications in Madison 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 Madison County, GA in 2019

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 714 $119,030,000 $166,000 $805,000 $67,000 $486,000
Refinancing 255 $42,145,000 $165,000 $585,000 $71,000 $386,000
Cash-out Refinancing 238 $39,230,000 $164,000 $455,000 $73,000 $239,000
Other Purpose 106 $6,270,000 $59,000 $255,000 $81,000 $350,000
Home Improvement 92 $4,710,000 $51,000 $305,000 $75,000 $265,000
Not Applicable 19 $2,345,000 $123,000 $315,000 $124,000 $124,000

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 1,003 $147,575,000 $147,000 $565,000 $72,000 $486,000
Not applicable 160 $26,250,000 $164,000 $585,000 $74,000 $199,000
Not Provided 113 $17,395,000 $153,000 $345,000 $71,000 $188,000
Black or African American 87 $13,165,000 $151,000 $275,000 $57,000 $134,000
Hispanic 47 $7,955,000 $169,000 $805,000 $55,000 $159,000
Asian 7 $515,000 $73,000 $185,000 $56,000 $220,000
American Indian or Alaskan Native 5 $655,000 $131,000 $175,000 $51,000 $89,000
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) 946 $131,580,000 $139,000 $805,000 $75,000 $486,000
FHA-insured (Federal Housing Administration) 276 $45,400,000 $164,000 $325,000 $58,000 $134,000
VA-guaranteed (Veterans Administration) 121 $24,025,000 $198,000 $545,000 $67,000 $215,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 81 $12,725,000 $157,000 $315,000 $56,000 $89,000

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 717 $113,725,000 $158,000 $585,000 $74,000 $486,000
Application Denied By Financial Institution 249 $26,745,000 $107,000 $455,000 $63,000 $322,000
Loan Purchased By The Institution 204 $36,370,000 $178,000 $545,000 $73,000 $239,000
Application Withdrawn By Applicant 143 $21,795,000 $152,000 $805,000 $74,000 $350,000
File Closed For Incompleteness 81 $11,225,000 $138,000 $325,000 $59,000 $143,000
Application Approved But Not Accepted 30 $3,870,000 $129,000 $385,000 $65,000 $276,000
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
Not applicable 1,092 $174,780,000 $160,000 $805,000 $72,000 $486,000
Debt-To-Income Ratio 151 $20,815,000 $137,000 $585,000 $68,000 $295,000
Credit History 110 $10,110,000 $91,000 $275,000 $58,000 $129,000
Collateral 29 $2,485,000 $85,000 $235,000 $84,000 $239,000
Credit Application Incomplete 19 $2,775,000 $146,000 $255,000 $83,000 $322,000
Other 12 $1,180,000 $98,000 $215,000 $68,000 $170,000
Unverifiable Information 5 $545,000 $109,000 $225,000 $41,000 $91,000
Insufficient Cash (Downpayment, Closing Cost) 4 $850,000 $212,000 $405,000 $83,000 $131,000
Employment History 2 $190,000 $95,000 $165,000 $19,000 $19,000
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.

Download the Georgia Lender List