Taliaferro County, GA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 31 mortgage applications in Taliaferro County, GA totaling $2.3 million, down 18% from 2010. The average application was for $73,000, and applicants reported an average income of $56,000. 74% of applications resulted in an originated loan and 10% were denied. The most active lender was F & M Bank, with 18 applications, followed by Embrace Home Loans, Inc. and Vanderbilt Mortgage and Finance, 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 | 31 |
| Total Mortgage Loan Application Amount | $2,281,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $269,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $170,000 |
Top Mortgage Lenders in Taliaferro County, GA (2011)
Ranked by the number of mortgage applications each lender reported in Taliaferro County, GA in 2011.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | F & M Bank Washington, GA |
18 | $1,378,000 | $76,000 | $55,000 |
| 2 | Embrace Home Loans, Inc. Middletown, RI |
2 | $98,000 | $49,000 | $60,000 |
| 3 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
1 | $57,000 | $57,000 | $5,000 |
| 4 | Cis Financial Services, Inc. Hamilton, AL |
1 | $78,000 | $78,000 | $22,000 |
| 5 | American Equity Mortgage, Inc. Saint Louis, MO |
1 | $134,000 | $134,000 | $170,000 |
| 6 | Georgia's Own Credit Union 100 Peachtree St. Nw 2800, GA |
1 | $45,000 | $45,000 | $62,000 |
| 7 | Wells Fargo Bank NA Minneapolis, MN |
1 | $86,000 | $86,000 | $38,000 |
| 8 | Bank of America NA Westlake Village, CA |
1 | $88,000 | $88,000 | $129,000 |
| 9 | Fidelity Bank Wichita, KS |
1 | $68,000 | $68,000 | $29,000 |
| 10 | PNC Bank N.A. Pittsburgh, PA |
1 | $112,000 | $112,000 | $43,000 |
The tables below break down 2011 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 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 | 21 | $1,630,000 | $77,000 | $269,000 | $58,000 | $170,000 |
| Home Purchase | 9 | $563,000 | $62,000 | $174,000 | $42,000 | $109,000 |
| Home Improvement | 1 | $88,000 | $88,000 | $88,000 | $129,000 | $129,000 |
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 | 19 | $1,703,000 | $89,000 | $269,000 | $71,000 | $170,000 |
| Black or African American | 8 | $264,000 | $33,000 | $86,000 | $41,000 | $83,000 |
| Not applicable | 2 | $145,000 | $72,000 | $125,000 | $0 | $0 |
| Not Provided | 2 | $169,000 | $84,000 | $112,000 | $24,000 | $43,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 26 | $1,938,000 | $74,000 | $269,000 | $59,000 | $170,000 |
| FHA-insured (Federal Housing Administration) | 3 | $237,000 | $79,000 | $91,000 | $55,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 2 | $106,000 | $53,000 | $86,000 | $19,000 | $38,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 23 | $1,823,000 | $79,000 | $269,000 | $58,000 | $170,000 |
| Application Withdrawn By Applicant | 4 | $267,000 | $66,000 | $91,000 | $47,000 | $95,000 |
| Application Denied By Financial Institution | 3 | $171,000 | $57,000 | $88,000 | $72,000 | $129,000 |
| Loan Purchased By The Institution | 1 | $20,000 | $20,000 | $20,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1 | $26,000 | $26,000 | $26,000 | $83,000 | $83,000 |
| Collateral | 1 | $88,000 | $88,000 | $88,000 | $129,000 | $129,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Unverifiable Information | 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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