Montgomery County, GA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 182 mortgage applications in Montgomery County, GA totaling $33.1 million, up 20% from 2024. The average application was for $181,000, and applicants reported an average income of $118,000. 44% of applications resulted in an originated loan and 20% were denied. The most active lender was 21st Mortgage, with 21 applications, followed by Towne Mortgage Company 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 | 182 |
| Total Mortgage Loan Application Amount | $33,100,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $2,613,000 |
* 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 |
* | $ n/a | 21 | $ 2,875,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 12 | $ 2,560,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 8 | $ 960,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ n/a | 6 | $ 1,190,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 6 | $ 770,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,410,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 6 | $ 740,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 6 | $ 740,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 1,115,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 5 | $ 1,245,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 5 | $ 435,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 1,110,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 830,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ n/a | 3 | $ 365,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 3 | $ 555,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 375,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 3 | $ 845,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 3 | $ 605,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 445,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 100,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 870,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 380,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 410,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 120,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 90,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 720,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 470,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 2 | $ 450,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 2 | $ 440,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 800,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 35,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ n/a | 1 | $ 285,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 125,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 125,000 |
| South Georgia Bank 401 S. VETERANS BLVD. GLENNVILLE, GA 30427 |
* | $ n/a | 1 | $ 25,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ n/a | 1 | $ 235,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 185,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ n/a | 1 | $ 35,000 |
| Oaktree Funding Corp 1298 WEST 7TH STREET CHANDLER, AZ 85226 |
* | $ n/a | 1 | $ 295,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 355,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 95,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 255,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 135,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 225,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 25,000 |
| Planters First Bank 1620 E 16TH AVE CORDELE, GA 31015 |
* | $ n/a | 1 | $ 215,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 345,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 215,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 1 | $ 385,000 |
| First National Bank of Coffee County 420 S MADISON AVE DOUGLAS, GA 31533 |
* | $ n/a | 1 | $ 55,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 185,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 225,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 175,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 215,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 105,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ n/a | 1 | $ 245,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 225,000 |
| Credit Union Financial Services, LLC 2476 LAWRENCEVILLE HIGHWAY SUITE 101 DECATUR, GA 30033 |
* | $ n/a | 1 | $ 485,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 255,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 55,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Montgomery 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 Montgomery County, GA in 2025
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 | 99 | $17,955,000 | $181,000 | $585,000 | $97,000 | $960,000 |
| Cash-out Refinancing | 39 | $8,335,000 | $213,000 | $515,000 | $172,000 | $2,613,000 |
| Refinancing | 23 | $5,155,000 | $224,000 | $445,000 | $143,000 | $443,000 |
| Home Improvement | 14 | $1,150,000 | $82,000 | $245,000 | $87,000 | $196,000 |
| Other Purpose | 7 | $505,000 | $72,000 | $105,000 | $123,000 | $297,000 |
| 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 | 105 | $19,775,000 | $188,000 | $585,000 | $128,000 | $2,613,000 |
| Black or African American | 24 | $3,950,000 | $164,000 | $465,000 | $114,000 | $960,000 |
| Not Provided | 21 | $4,105,000 | $195,000 | $515,000 | $93,000 | $174,000 |
| Not applicable | 17 | $2,915,000 | $171,000 | $445,000 | $81,000 | $120,000 |
| Hispanic | 10 | $1,450,000 | $145,000 | $235,000 | $76,000 | $150,000 |
| American Indian or Alaskan Native | 3 | $585,000 | $195,000 | $385,000 | $115,000 | $288,000 |
| Asian | 1 | $255,000 | $255,000 | $255,000 | $108,000 | $108,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $115,000 | $115,000 |
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) | 116 | $18,300,000 | $157,000 | $585,000 | $106,000 | $960,000 |
| FHA-insured (Federal Housing Administration) | 35 | $7,475,000 | $213,000 | $395,000 | $195,000 | $2,613,000 |
| VA-guaranteed (Veterans Administration) | 25 | $6,455,000 | $258,000 | $465,000 | $93,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $870,000 | $145,000 | $185,000 | $62,000 | $65,000 |
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 | 80 | $15,030,000 | $187,000 | $585,000 | $134,000 | $2,613,000 |
| Application Denied By Financial Institution | 36 | $5,590,000 | $155,000 | $375,000 | $110,000 | $960,000 |
| File Closed For Incompleteness | 21 | $2,915,000 | $138,000 | $295,000 | $92,000 | $226,000 |
| Application Withdrawn By Applicant | 20 | $5,250,000 | $262,000 | $465,000 | $111,000 | $288,000 |
| Loan Purchased By The Institution | 16 | $3,070,000 | $191,000 | $445,000 | $81,000 | $120,000 |
| Application Approved But Not Accepted | 9 | $1,245,000 | $138,000 | $295,000 | $104,000 | $317,000 |
| 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 | 143 | $27,215,000 | $190,000 | $585,000 | $122,000 | $2,613,000 |
| Debt-To-Income Ratio | 12 | $1,510,000 | $125,000 | $315,000 | $56,000 | $117,000 |
| Credit History | 10 | $1,320,000 | $132,000 | $275,000 | $98,000 | $297,000 |
| Credit Application Incomplete | 7 | $1,515,000 | $216,000 | $375,000 | $244,000 | $960,000 |
| Collateral | 3 | $215,000 | $71,000 | $85,000 | $39,000 | $56,000 |
| Other | 3 | $525,000 | $175,000 | $315,000 | $101,000 | $123,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $390,000 | $195,000 | $235,000 | $69,000 | $87,000 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $61,000 | $61,000 |
| Employment History | 1 | $275,000 | $275,000 | $275,000 | $165,000 | $165,000 |
| 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.
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