Telfair County, GA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 145 mortgage applications in Telfair County, GA totaling $10.9 million, down 24% from 2013. The average application was for $75,000, and applicants reported an average income of $43,000. 41% of applications resulted in an originated loan and 35% were denied. The most active lender was 21st Mortgage, with 23 applications, followed by Citizens Bank & Trust Company and Wells Fargo Bank NA.
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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 | 145 |
| Total Mortgage Loan Application Amount | $10,894,000 |
| Average Mortgage Loan Application Amount | $75,000 |
| Highest Mortgage Loan Application Amount | $269,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $205,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 23 | $ 1,322,000 |
| Citizens Bank & Trust Company 5101 5TH AVE EASTMAN, GA 31023 |
* | $ 130,376,000 | 18 | $ 498,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 15 | $ 1,563,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 589,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 7 | $ 873,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 1,833,217,000 | 6 | $ 264,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,145,328,000 | 4 | $ 211,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 4 | $ 167,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 244,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 3 | $ 216,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 476,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 2 | $ 27,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 84,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 2 | $ 141,000 |
| Magnolia State Bank 130 OAK ST EASTMAN, GA 31023 |
* | $ 190,243,000 | 2 | $ 78,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ 10,000,000 | 2 | $ 337,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 215,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 2 | $ 219,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 134,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 2 | $ 97,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,733,100,000 | 2 | $ 347,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 2 | $ 97,000 |
| Talbot State Bank 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 68,410,000 | 2 | $ 231,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 63,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 170,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 65,000 |
| Atlantic Coast Bank 505 HAINES AVE WAYCROSS, GA 31501 |
* | $ 735,405,000 | 1 | $ 52,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 125,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 80,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 57,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 1 | $ 69,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 151,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 1,376,686,000 | 1 | $ 186,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 394,950,000 | 1 | $ 4,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 165,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 30,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,590,767,000 | 1 | $ 81,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 165,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 79,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,256,102,000 | 1 | $ 56,000 |
The tables below break down 2014 mortgage applications in Telfair 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 Telfair County, GA in 2014
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 | 73 | $5,415,000 | $74,000 | $269,000 | $39,000 | $91,000 |
| Refinancing | 52 | $5,174,000 | $99,000 | $264,000 | $46,000 | $205,000 |
| Home Improvement | 20 | $305,000 | $15,000 | $57,000 | $51,000 | $89,000 |
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 | 94 | $7,435,000 | $79,000 | $269,000 | $48,000 | $205,000 |
| Black or African American | 31 | $1,830,000 | $59,000 | $186,000 | $38,000 | $75,000 |
| Not Provided | 12 | $1,048,000 | $87,000 | $264,000 | $38,000 | $74,000 |
| Not applicable | 5 | $368,000 | $73,000 | $111,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $156,000 | $78,000 | $78,000 | $35,000 | $35,000 |
| Hispanic | 1 | $57,000 | $57,000 | $57,000 | $62,000 | $62,000 |
| 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) | 110 | $7,158,000 | $65,000 | $269,000 | $46,000 | $205,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,992,000 | $110,000 | $224,000 | $36,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,244,000 | $124,000 | $186,000 | $41,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $500,000 | $71,000 | $80,000 | $24,000 | $37,000 |
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 | 59 | $4,395,000 | $74,000 | $269,000 | $53,000 | $205,000 |
| Application Denied By Financial Institution | 51 | $3,860,000 | $75,000 | $264,000 | $38,000 | $80,000 |
| Application Approved But Not Accepted | 13 | $827,000 | $63,000 | $162,000 | $38,000 | $62,000 |
| Loan Purchased By The Institution | 12 | $1,087,000 | $90,000 | $167,000 | $20,000 | $74,000 |
| Application Withdrawn By Applicant | 8 | $638,000 | $79,000 | $186,000 | $46,000 | $89,000 |
| File Closed For Incompleteness | 2 | $87,000 | $43,000 | $57,000 | $53,000 | $62,000 |
| 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 | 14 | $1,123,000 | $80,000 | $231,000 | $47,000 | $80,000 |
| Collateral | 4 | $337,000 | $84,000 | $154,000 | $42,000 | $62,000 |
| Debt-To-Income Ratio | 3 | $370,000 | $123,000 | $264,000 | $36,000 | $45,000 |
| Other | 2 | $122,000 | $61,000 | $80,000 | $22,000 | $24,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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