Randolph County, GA Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 188 mortgage applications in Randolph County, GA totaling $18.4 million, up 23% from 2020. The average application was for $97,000, and applicants reported an average income of $59,000. 23% of applications resulted in an originated loan and 57% were denied. The most active lender was 21st Mortgage, with 59 applications, followed by Vanderbilt Mortgage and Finance, Inc and Triad Financial Services, 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 | 188 |
| Total Mortgage Loan Application Amount | $18,370,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $225,000 |
| 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 | 59 | $ 5,485,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 19 | $ 1,575,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 14 | $ 1,340,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 14 | $ 1,400,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 350,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 6 | $ 350,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 590,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 12,887,120,000 | 4 | $ 220,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 509,232,000 | 3 | $ 185,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 535,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 285,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 3 | $ 395,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 2 | $ 250,000 |
| Five Star Credit Union 411 N FOSTER ST DOTHAN, AL 36302 |
* | $ 463,276,000 | 2 | $ 130,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 390,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 260,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 360,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 2 | $ 60,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 2 | $ 240,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 75,000 |
| Flint Community Bank 2910 MEREDYTH DRIVE, P.O. BOX 70878 ALBANY, GA 31721 |
* | $ 261,024,000 | 1 | $ 55,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 55,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 165,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 175,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 165,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 48,103,435,000 | 1 | $ 85,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 75,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 1,414,020,000 | 1 | $ 25,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 85,000 |
| Bank of Clarke 2 E MAIN ST BERRYVILLE, VA 22611 |
* | $ 871,277,000 | 1 | $ 125,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 125,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
The tables below break down 2021 mortgage applications in Randolph 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 Randolph County, GA in 2021
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 | 135 | $12,435,000 | $92,000 | $175,000 | $54,000 | $172,000 |
| Refinancing | 24 | $3,100,000 | $129,000 | $335,000 | $69,000 | $132,000 |
| Cash-out Refinancing | 18 | $2,070,000 | $115,000 | $215,000 | $81,000 | $191,000 |
| Other Purpose | 6 | $550,000 | $91,000 | $245,000 | $56,000 | $79,000 |
| Home Improvement | 4 | $170,000 | $42,000 | $55,000 | $100,000 | $225,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 |
|---|---|---|---|---|---|---|
| Black or African American | 112 | $9,510,000 | $84,000 | $175,000 | $50,000 | $225,000 |
| White | 48 | $6,030,000 | $125,000 | $335,000 | $69,000 | $191,000 |
| Not Provided | 15 | $1,445,000 | $96,000 | $175,000 | $80,000 | $150,000 |
| Not applicable | 8 | $660,000 | $82,000 | $205,000 | $0 | $0 |
| Hispanic | 3 | $515,000 | $171,000 | $275,000 | $152,000 | $172,000 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $35,000 | $35,000 |
| American Indian or Alaskan Native | 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) | 167 | $16,095,000 | $96,000 | $335,000 | $59,000 | $225,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,450,000 | $90,000 | $155,000 | $55,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 5 | $825,000 | $165,000 | $275,000 | $47,000 | $47,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 108 | $9,940,000 | $92,000 | $175,000 | $50,000 | $150,000 |
| Loan Originated | 44 | $4,950,000 | $112,000 | $335,000 | $81,000 | $225,000 |
| File Closed For Incompleteness | 17 | $1,665,000 | $97,000 | $275,000 | $55,000 | $111,000 |
| Application Withdrawn By Applicant | 12 | $1,100,000 | $91,000 | $245,000 | $71,000 | $143,000 |
| Loan Purchased By The Institution | 4 | $470,000 | $117,000 | $205,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $245,000 | $81,000 | $155,000 | $46,000 | $63,000 |
| 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 | 79 | $7,465,000 | $94,000 | $175,000 | $49,000 | $102,000 |
| Not applicable | 77 | $8,135,000 | $105,000 | $335,000 | $72,000 | $225,000 |
| Debt-To-Income Ratio | 15 | $1,375,000 | $91,000 | $175,000 | $55,000 | $150,000 |
| Unverifiable Information | 5 | $365,000 | $73,000 | $85,000 | $59,000 | $121,000 |
| Collateral | 4 | $280,000 | $70,000 | $95,000 | $36,000 | $38,000 |
| Credit Application Incomplete | 3 | $265,000 | $88,000 | $115,000 | $53,000 | $75,000 |
| Other | 2 | $230,000 | $115,000 | $115,000 | $50,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $130,000 | $65,000 | $65,000 | $63,000 | $79,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $88,000 | $88,000 |
| 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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