Randolph County, GA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 120 mortgage applications in Randolph County, GA totaling $13.1 million, down 19% from 2023. The average application was for $109,000, and applicants reported an average income of $71,000. 36% of applications resulted in an originated loan and 41% were denied. The most active lender was Regions Bank, with 12 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st 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 | 120 |
| Total Mortgage Loan Application Amount | $13,130,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $264,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 12 | $ 550,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 12 | $ 1,460,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 11 | $ 1,235,000 |
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ n/a | 11 | $ 655,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 610,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ n/a | 5 | $ 235,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 230,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 510,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 500,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 3 | $ 465,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ n/a | 3 | $ 525,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 445,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 2 | $ 240,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 140,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 2 | $ 150,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 2 | $ 280,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 210,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 55,000 |
| Southwest Georgia Farm Credit 305 COLQUITT HWY BAINBRIDGE, GA 39817 |
* | $ n/a | 1 | $ 75,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 145,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 195,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 155,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 115,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ n/a | 1 | $ 55,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ n/a | 1 | $ 65,000 |
| Flint Community Bank 2910 MEREDYTH DRIVE, P.O. BOX 70878 ALBANY, GA 31721 |
* | $ n/a | 1 | $ 85,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 105,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 205,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 415,000 |
| First National Bank of Decatur 819 E SHOTWELL ST BAINBRIDGE, GA 39819 |
* | $ n/a | 1 | $ 135,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 1 | $ 415,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 65,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ n/a | 1 | $ 5,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 355,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 235,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 105,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 1 | $ 55,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 185,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 105,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 225,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2024 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 2024
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 | 67 | $9,055,000 | $135,000 | $415,000 | $76,000 | $264,000 |
| Cash-out Refinancing | 23 | $2,345,000 | $101,000 | $225,000 | $68,000 | $195,000 |
| Refinancing | 14 | $1,140,000 | $81,000 | $185,000 | $76,000 | $230,000 |
| Home Improvement | 10 | $400,000 | $40,000 | $155,000 | $39,000 | $104,000 |
| Other Purpose | 6 | $190,000 | $31,000 | $65,000 | $71,000 | $195,000 |
| 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 |
|---|---|---|---|---|---|---|
| Black or African American | 52 | $4,860,000 | $93,000 | $215,000 | $56,000 | $230,000 |
| White | 42 | $4,750,000 | $113,000 | $355,000 | $90,000 | $264,000 |
| Not Provided | 11 | $1,645,000 | $149,000 | $415,000 | $73,000 | $148,000 |
| Not applicable | 10 | $1,350,000 | $135,000 | $415,000 | $0 | $0 |
| Hispanic | 4 | $440,000 | $110,000 | $155,000 | $45,000 | $47,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $86,000 | $86,000 |
| 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) | 90 | $8,720,000 | $96,000 | $355,000 | $72,000 | $264,000 |
| FHA-insured (Federal Housing Administration) | 22 | $3,400,000 | $154,000 | $415,000 | $65,000 | $148,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,010,000 | $126,000 | $215,000 | $73,000 | $195,000 |
| 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 | 49 | $4,775,000 | $97,000 | $225,000 | $53,000 | $230,000 |
| Loan Originated | 43 | $4,695,000 | $109,000 | $415,000 | $84,000 | $214,000 |
| Application Withdrawn By Applicant | 14 | $1,860,000 | $132,000 | $215,000 | $95,000 | $195,000 |
| File Closed For Incompleteness | 10 | $910,000 | $91,000 | $145,000 | $74,000 | $264,000 |
| Loan Purchased By The Institution | 3 | $755,000 | $251,000 | $415,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $135,000 | $135,000 | $135,000 | $118,000 | $118,000 |
| 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 | 52 | $6,940,000 | $133,000 | $415,000 | $87,000 | $264,000 |
| Debt-To-Income Ratio | 31 | $2,875,000 | $92,000 | $285,000 | $63,000 | $153,000 |
| Credit History | 29 | $2,535,000 | $87,000 | $225,000 | $57,000 | $230,000 |
| Collateral | 3 | $245,000 | $81,000 | $115,000 | $67,000 | $84,000 |
| Other | 2 | $210,000 | $105,000 | $135,000 | $59,000 | $59,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $102,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $24,000 | $24,000 |
| Employment History | 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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