Taliaferro County, GA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 30 mortgage applications in Taliaferro County, GA totaling $3.9 million, down 32% from 2022. The average application was for $128,000, and applicants reported an average income of $58,000. 43% of applications resulted in an originated loan and 30% were denied. The most active lender was F & M Bank, with 6 applications, followed by Vanderbilt Mortgage and Finance, Inc and Cardinal Financial Company, Li.
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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 | 30 |
| Total Mortgage Loan Application Amount | $3,850,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $159,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| F & M Bank 911 EAST ROBERT TOOMBS AVE WASHINGTON, GA 30673 |
* | $ 357,772,000 | 6 | $ 400,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 575,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 290,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ -1,000 | 2 | $ 440,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 320,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 165,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,508,761,000 | 1 | $ 75,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ -1,000 | 1 | $ 95,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 65,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Coca-Cola Federal Credit Union ONE COCA-COLA PLAZA NW ATLANTA, GA 30313 |
* | $ 209,882,000 | 1 | $ 45,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 15,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 2,035,663,000 | 1 | $ 145,000 |
| Aggeorgia Farm Credit 468 PERRY PKWY PERRY, GA 31069 |
* | $ -1,000 | 1 | $ 405,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 245,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 275,000 |
The tables below break down 2023 mortgage applications in Taliaferro 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 Taliaferro County, GA in 2023
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 | 17 | $2,935,000 | $172,000 | $405,000 | $62,000 | $159,000 |
| Cash-out Refinancing | 4 | $510,000 | $127,000 | $225,000 | $54,000 | $62,000 |
| Home Improvement | 3 | $125,000 | $41,000 | $85,000 | $47,000 | $72,000 |
| Not Applicable | 2 | $30,000 | $15,000 | $25,000 | $0 | $0 |
| Other Purpose | 2 | $110,000 | $55,000 | $65,000 | $69,000 | $69,000 |
| Refinancing | 2 | $140,000 | $70,000 | $95,000 | $42,000 | $43,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 15 | $2,355,000 | $157,000 | $405,000 | $56,000 | $108,000 |
| White | 8 | $630,000 | $78,000 | $195,000 | $59,000 | $159,000 |
| Not Provided | 4 | $690,000 | $172,000 | $275,000 | $62,000 | $102,000 |
| Not applicable | 2 | $30,000 | $15,000 | $25,000 | $0 | $0 |
| Hispanic | 1 | $145,000 | $145,000 | $145,000 | $56,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 22 | $2,390,000 | $108,000 | $405,000 | $57,000 | $159,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,265,000 | $180,000 | $275,000 | $64,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $195,000 | $195,000 | $195,000 | $38,000 | $38,000 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 13 | $1,425,000 | $109,000 | $275,000 | $65,000 | $159,000 |
| Application Denied By Financial Institution | 9 | $1,625,000 | $180,000 | $405,000 | $57,000 | $108,000 |
| Application Withdrawn By Applicant | 5 | $525,000 | $105,000 | $225,000 | $37,000 | $62,000 |
| Loan Purchased By The Institution | 3 | $275,000 | $91,000 | $245,000 | $76,000 | $76,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 15 | $1,825,000 | $121,000 | $275,000 | $55,000 | $102,000 |
| Debt-To-Income Ratio | 9 | $1,285,000 | $142,000 | $405,000 | $65,000 | $159,000 |
| Credit History | 4 | $490,000 | $122,000 | $165,000 | $52,000 | $92,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $51,000 | $51,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $58,000 | $58,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 |
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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