Schley County, GA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 125 mortgage applications in Schley County, GA totaling $12.4 million, up 15% from 2015. The average application was for $98,000, and applicants reported an average income of $57,000. 46% of applications resulted in an originated loan and 25% were denied. The most active lender was Ameris Bank, with 27 applications, followed by Wells Fargo Bank NA 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 | 125 |
| Total Mortgage Loan Application Amount | $12,357,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $242,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $399,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 5,592,561,000 | 27 | $ 1,558,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 18 | $ 1,578,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 624,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 714,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 5 | $ 454,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 456,000 |
| Mainstreet Community Bank of Florida 204 S. WOODLAND BLVD DELAND, FL 32720 |
* | $ 270,974,000 | 4 | $ 399,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 218,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 28,529,226,000 | 3 | $ 18,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 2,232,957,000 | 3 | $ 582,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 3 | $ 313,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 316,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 2 | $ 408,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 1,087,173,000 | 2 | $ 230,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 157,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 2 | $ 340,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 2 | $ 237,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 2 | $ 428,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 2 | $ 123,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 322,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 19,425,339,000 | 1 | $ 113,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 119,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 716,045,000 | 1 | $ 34,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 115,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 125,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 143,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 216,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 216,000 |
| The Citizens State Bank of Taylor County 36 MARTIN LUTHER KING DR, P O BOX 277 REYNOLDS, GA 31076 |
* | $ 52,875,000 | 1 | $ 85,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 2,072,296,000 | 1 | $ 77,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 16,000 |
The tables below break down 2016 mortgage applications in Schley 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 Schley County, GA in 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 64 | $6,588,000 | $102,000 | $220,000 | $59,000 | $210,000 |
| Home Purchase | 45 | $5,547,000 | $123,000 | $242,000 | $54,000 | $182,000 |
| Home Improvement | 16 | $222,000 | $13,000 | $60,000 | $59,000 | $399,000 |
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 | 85 | $8,495,000 | $99,000 | $242,000 | $65,000 | $399,000 |
| Not Provided | 14 | $1,532,000 | $109,000 | $184,000 | $65,000 | $123,000 |
| Black or African American | 12 | $451,000 | $37,000 | $112,000 | $33,000 | $83,000 |
| Not applicable | 11 | $1,716,000 | $156,000 | $235,000 | $12,000 | $84,000 |
| Hispanic | 2 | $47,000 | $23,000 | $40,000 | $26,000 | $36,000 |
| Asian | 1 | $116,000 | $116,000 | $116,000 | $116,000 | $116,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 86 | $7,173,000 | $83,000 | $242,000 | $62,000 | $399,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,723,000 | $132,000 | $235,000 | $53,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 7 | $814,000 | $116,000 | $177,000 | $36,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $647,000 | $161,000 | $194,000 | $22,000 | $90,000 |
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 | 58 | $5,629,000 | $97,000 | $242,000 | $59,000 | $182,000 |
| Application Denied By Financial Institution | 31 | $1,950,000 | $62,000 | $177,000 | $60,000 | $399,000 |
| Application Withdrawn By Applicant | 15 | $1,621,000 | $108,000 | $220,000 | $72,000 | $210,000 |
| Loan Purchased By The Institution | 14 | $2,341,000 | $167,000 | $242,000 | $29,000 | $115,000 |
| File Closed For Incompleteness | 6 | $701,000 | $116,000 | $155,000 | $56,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $115,000 | $115,000 | $115,000 | $80,000 | $80,000 |
| 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 | 11 | $280,000 | $25,000 | $115,000 | $73,000 | $399,000 |
| Debt-To-Income Ratio | 3 | $261,000 | $87,000 | $143,000 | $28,000 | $30,000 |
| Collateral | 2 | $173,000 | $86,000 | $93,000 | $81,000 | $87,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $79,000 | $79,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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