Screven County, GA Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 340 mortgage applications in Screven County, GA totaling $29.5 million, down 12% from 2010. The average application was for $86,000, and applicants reported an average income of $55,000. 43% of applications resulted in an originated loan and 34% were denied. The most active lender was Truist Bank, with 103 applications, followed by Queensborough National Bank and Trust and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 340
Total Mortgage Loan Application Amount $29,548,000
Average Mortgage Loan Application Amount $86,000
Highest Mortgage Loan Application Amount $650,000
Average Applicant Income $55,000
Highest Applicant Income $436,000

Mortgage Company List for Lending in Screven County, GA for 2011

* 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
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 103 $ 8,996,000
Queensborough National Bank and Trust
3617 WALTON WAY EXT.
LOUISVILLE, GA 30434
* $ 930,147,000 35 $ 1,016,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 26 $ 3,385,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 25 $ 1,113,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 18 $ 1,302,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 13 $ 1,350,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 13 $ 1,042,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 27,908,468,000 8 $ 1,252,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ 10,000,000 8 $ 741,000
Southern Bank
P.O. BOX 100
SARDIS, GA 30456
* $ 91,839,000 7 $ 567,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 6 $ 371,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 6 $ 940,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 5 $ 296,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 3 $ 316,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 727,307,000 3 $ 404,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 3 $ 422,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 309,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 406,000
The Coastal Bank
P O BOX 9585
SAVANNAH, GA 31412
* $ 428,177,000 3 $ 545,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 105,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 166,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 119,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 2 $ 211,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 2 $ 7,000
First Bank of Georgia
2743 PERIMETER PKWY BLD 100, SUITE 100
AUGUSTA, GA 30909
* $ 495,223,000 2 $ 322,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 101,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 2 $ 4,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 259,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 167,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ 2,023,000 1 $ 119,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 160,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 86,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 35,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 1 $ 98,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 95,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 1 $ 65,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 1 $ 61,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 140,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 75,000
Georgia B&Tc of Augusta
P O BOX 15367
AUGUSTA, GA 30919
* $ 1,431,212,000 1 $ 71,000
Enterprise Bank of Sc
13497 BROXTON BRIDGE RD
EHRHARDT, SC 29081
* $ 414,098,000 1 $ 108,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 121,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 1,608,491,000 1 $ 35,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 239,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 1 $ 270,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 186,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,595,709,000 1 $ 206,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 60,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 1 $ 50,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 118,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 1 $ 115,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 114,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 1 $ 135,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 427,083,000 1 $ 202,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 1 $ 77,000
The Heritage Bank
300 S MAIN ST
HINESVILLE, GA 31313
* $ 959,901,000 1 $ 50,000

The tables below break down 2011 mortgage applications in Screven 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 Screven County, GA in 2011

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 180 $19,869,000 $110,000 $650,000 $61,000 $415,000
Home Purchase 110 $8,050,000 $73,000 $443,000 $44,000 $436,000
Home Improvement 50 $1,629,000 $32,000 $145,000 $57,000 $192,000

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 230 $21,156,000 $91,000 $650,000 $63,000 $436,000
Black or African American 57 $3,587,000 $62,000 $206,000 $36,000 $195,000
Not Provided 35 $3,055,000 $87,000 $244,000 $51,000 $139,000
Not applicable 13 $1,348,000 $103,000 $413,000 $5,000 $77,000
Asian 3 $323,000 $107,000 $112,000 $42,000 $68,000
American Indian or Alaskan Native 1 $53,000 $53,000 $53,000 $63,000 $63,000
Hispanic 1 $26,000 $26,000 $26,000 $60,000 $60,000
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) 258 $21,087,000 $81,000 $650,000 $61,000 $436,000
FHA-insured (Federal Housing Administration) 66 $7,139,000 $108,000 $244,000 $37,000 $126,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $899,000 $89,000 $119,000 $32,000 $62,000
VA-guaranteed (Veterans Administration) 6 $423,000 $70,000 $144,000 $37,000 $69,000

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 145 $12,519,000 $86,000 $443,000 $67,000 $436,000
Application Denied By Financial Institution 115 $8,499,000 $73,000 $260,000 $40,000 $130,000
Application Withdrawn By Applicant 27 $3,479,000 $128,000 $650,000 $53,000 $240,000
Application Approved But Not Accepted 21 $1,526,000 $72,000 $210,000 $55,000 $179,000
Loan Purchased By The Institution 20 $1,983,000 $99,000 $201,000 $37,000 $112,000
File Closed For Incompleteness 12 $1,542,000 $128,000 $250,000 $88,000 $415,000
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 53 $3,292,000 $62,000 $192,000 $39,000 $130,000
Debt-To-Income Ratio 18 $1,666,000 $92,000 $260,000 $35,000 $67,000
Collateral 12 $1,341,000 $111,000 $237,000 $59,000 $122,000
Credit Application Incomplete 5 $266,000 $53,000 $105,000 $45,000 $95,000
Other 5 $402,000 $80,000 $239,000 $42,000 $116,000
Unverifiable Information 3 $224,000 $74,000 $114,000 $35,000 $44,000
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

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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