Montgomery County, GA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 178 mortgage applications in Montgomery County, GA totaling $23.1 million, down 17% from 2017. The average application was for $130,000, and applicants reported an average income of $76,000. 48% of applications resulted in an originated loan and 20% were denied. The most active lender was 21st Mortgage, with 18 applications, followed by Wells Fargo Bank NA and Freedom Mortgage Corporation.
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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 | 178 |
| Total Mortgage Loan Application Amount | $23,140,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $333,000 |
* 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 |
* | $ -1,000 | 18 | $ 1,250,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 9 | $ 1,115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 1,105,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,205,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 6 | $ 660,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 7,826,243,000 | 6 | $ 350,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 9,805,580,000 | 6 | $ 900,000 |
| Glennville Bank P.O. BOX 278 GLENNVILLE, GA 30427 |
* | $ 234,565,000 | 6 | $ 290,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ -1,000 | 5 | $ 535,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 5 | $ 615,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 855,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 5 | $ 885,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 4 | $ 600,000 |
| Morris Bank 301 BELLEVUE AVENUE DUBLIN, GA 31021 |
* | $ 678,663,000 | 4 | $ 660,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 475,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 185,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 655,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 895,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 2 | $ 170,000 |
| Interstate Credit Union 705 WEST CHERRY STREET JESUP, GA 31545 |
* | $ 149,613,000 | 2 | $ 100,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 2 | $ 630,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 280,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 2 | $ 380,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 110,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 190,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 180,000 |
| Powerco Federal Credit Union 241 RALPH MCGILL BLVD. NE ATLANTA, GA 30308 |
* | $ 179,338,000 | 2 | $ 130,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 2 | $ 230,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 400,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 240,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 225,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 1 | $ 135,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 155,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 225,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 65,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 295,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 115,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 145,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 35,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 205,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 165,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 75,000 |
| Banksouth Mortgage Company LLC 6340 LAKE OCONEE PARKWAY SUITE 202 GREENSBORO, GA 30642 |
* | $ -1,000 | 1 | $ 225,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 215,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 35,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 155,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 165,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 125,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 225,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 45,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 1 | $ 15,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 1 | $ 65,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,882,576,000 | 1 | $ 215,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 175,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 125,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 95,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 75,000 |
| First Bank of Coastal Georgia 250 W BACON ST PEMBROKE, GA 31321 |
* | $ 123,673,000 | 1 | $ 45,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31095 |
* | $ 2,383,369,000 | 1 | $ 165,000 |
| South Georgia Bank 401 S. VETERANS BLVD. GLENNVILLE, GA 30427 |
* | $ 164,487,000 | 1 | $ 115,000 |
| Community First Credit Union of Florida 637 N. LEE STREET JACKSONVILLE, FL 32204 |
* | $ 1,512,311,000 | 1 | $ 175,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 215,000 |
The tables below break down 2018 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 2018
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 | 91 | $11,185,000 | $122,000 | $355,000 | $71,000 | $333,000 |
| Cash-out Refinancing | 43 | $6,995,000 | $162,000 | $385,000 | $83,000 | $255,000 |
| Refinancing | 26 | $3,470,000 | $133,000 | $405,000 | $68,000 | $205,000 |
| Not Applicable | 7 | $735,000 | $105,000 | $295,000 | $0 | $0 |
| Home Improvement | 6 | $290,000 | $48,000 | $75,000 | $99,000 | $126,000 |
| Other Purpose | 5 | $465,000 | $93,000 | $255,000 | $115,000 | $300,000 |
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 | 106 | $14,070,000 | $132,000 | $405,000 | $82,000 | $333,000 |
| Black or African American | 34 | $4,180,000 | $122,000 | $355,000 | $57,000 | $142,000 |
| Not applicable | 19 | $2,235,000 | $117,000 | $345,000 | $0 | $0 |
| Not Provided | 15 | $2,125,000 | $141,000 | $325,000 | $81,000 | $300,000 |
| Hispanic | 3 | $475,000 | $158,000 | $205,000 | $70,000 | $99,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $40,000 | $40,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 115 | $13,395,000 | $116,000 | $405,000 | $79,000 | $333,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,890,000 | $129,000 | $265,000 | $72,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 29 | $5,595,000 | $192,000 | $385,000 | $72,000 | $238,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $260,000 | $65,000 | $65,000 | $56,000 | $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 |
|---|---|---|---|---|---|---|
| Loan Originated | 85 | $11,505,000 | $135,000 | $405,000 | $83,000 | $333,000 |
| Application Denied By Financial Institution | 35 | $3,465,000 | $99,000 | $265,000 | $65,000 | $300,000 |
| Application Withdrawn By Applicant | 24 | $3,370,000 | $140,000 | $315,000 | $77,000 | $330,000 |
| Loan Purchased By The Institution | 20 | $2,830,000 | $141,000 | $345,000 | $61,000 | $80,000 |
| File Closed For Incompleteness | 9 | $1,455,000 | $161,000 | $385,000 | $64,000 | $121,000 |
| Application Approved But Not Accepted | 5 | $515,000 | $103,000 | $155,000 | $76,000 | $102,000 |
| 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 | 132 | $18,580,000 | $140,000 | $385,000 | $80,000 | $333,000 |
| Debt-To-Income Ratio | 22 | $2,300,000 | $104,000 | $405,000 | $64,000 | $183,000 |
| Credit History | 14 | $1,270,000 | $90,000 | $185,000 | $59,000 | $183,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $445,000 | $89,000 | $255,000 | $108,000 | $300,000 |
| Other | 2 | $160,000 | $80,000 | $95,000 | $59,000 | $60,000 |
| Collateral | 2 | $260,000 | $130,000 | $205,000 | $62,000 | $80,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $32,000 | $32,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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