Terrell County, GA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 248 mortgage applications in Terrell County, GA totaling $18.8 million, down 35% from 2013. The average application was for $75,000, and applicants reported an average income of $55,000. 67% of applications resulted in an originated loan and 19% were denied. The most active lender was Georgia Community Bank, with 58 applications, followed by Bank of Dawson 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 | 248 |
| Total Mortgage Loan Application Amount | $18,781,000 |
| Average Mortgage Loan Application Amount | $75,000 |
| Highest Mortgage Loan Application Amount | $952,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $411,000 |
* 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 |
|---|---|---|---|---|
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ 145,586,000 | 58 | $ 2,842,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ 123,951,000 | 56 | $ 3,993,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 737,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 3,664,330,000 | 7 | $ 471,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 6 | $ 58,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 377,575,000 | 6 | $ 391,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 545,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 6 | $ 344,000 |
| Flint Community Bank 2910 MEREDYTH DRIVE, P.O. BOX 70878 ALBANY, GA 31721 |
* | $ 154,742,000 | 5 | $ 1,602,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 5 | $ 602,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 4 | $ 629,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 4 | $ 602,000 |
| Onesouth Bank 12347 COLUMBIA ST BLAKELY, GA 32428 |
* | $ 95,539,000 | 4 | $ 104,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 4 | $ 242,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 3 | $ 78,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,145,328,000 | 3 | $ 234,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 265,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 130,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 3 | $ 207,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 3 | $ 240,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 3 | $ 184,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 2 | $ 177,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 128,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 957,149,000 | 2 | $ 34,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 2 | $ 181,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 210,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 25,878,030,000 | 2 | $ 150,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 1,376,686,000 | 2 | $ 129,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 1 | $ 73,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 121,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 126,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 249,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 1 | $ 115,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 292,000 |
| Ab&T National Bank 2815 MEREDYTH DRIVE ALBANY, GA 31707 |
* | $ 135,895,000 | 1 | $ 16,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 75,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,499,998,000 | 1 | $ 50,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 100,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ 10,000,000 | 1 | $ 115,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 516,135,000 | 1 | $ 96,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,256,102,000 | 1 | $ 79,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 56,000 |
| Talbot State Bank 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 68,410,000 | 1 | $ 68,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 95,000 |
| Members United Credit Union 1115 N WESTOVER BLVD ALBANY, GA 31707 |
* | $ 52,350,000 | 1 | $ 180,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 55,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 44,000 |
The tables below break down 2014 mortgage applications in Terrell 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 Terrell 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 |
|---|---|---|---|---|---|---|
| Refinancing | 144 | $13,059,000 | $90,000 | $952,000 | $56,000 | $386,000 |
| Home Purchase | 70 | $4,856,000 | $69,000 | $292,000 | $55,000 | $411,000 |
| Home Improvement | 34 | $866,000 | $25,000 | $147,000 | $52,000 | $303,000 |
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 | 130 | $11,746,000 | $90,000 | $896,000 | $65,000 | $411,000 |
| Black or African American | 91 | $4,037,000 | $44,000 | $334,000 | $49,000 | $303,000 |
| Not Provided | 13 | $874,000 | $67,000 | $127,000 | $39,000 | $83,000 |
| Not applicable | 11 | $1,894,000 | $172,000 | $952,000 | $3,000 | $43,000 |
| Hispanic | 2 | $129,000 | $64,000 | $126,000 | $19,000 | $38,000 |
| American Indian or Alaskan Native | 1 | $101,000 | $101,000 | $101,000 | $90,000 | $90,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 209 | $14,811,000 | $70,000 | $952,000 | $60,000 | $411,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,992,000 | $104,000 | $214,000 | $42,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,509,000 | $116,000 | $292,000 | $18,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $469,000 | $67,000 | $82,000 | $21,000 | $52,000 |
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 | 166 | $12,845,000 | $77,000 | $952,000 | $62,000 | $411,000 |
| Application Denied By Financial Institution | 47 | $2,744,000 | $58,000 | $249,000 | $38,000 | $80,000 |
| Application Withdrawn By Applicant | 17 | $1,740,000 | $102,000 | $334,000 | $53,000 | $147,000 |
| Loan Purchased By The Institution | 10 | $1,027,000 | $102,000 | $206,000 | $30,000 | $96,000 |
| Application Approved But Not Accepted | 5 | $178,000 | $35,000 | $60,000 | $62,000 | $121,000 |
| File Closed For Incompleteness | 3 | $247,000 | $82,000 | $100,000 | $51,000 | $67,000 |
| 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 | 13 | $547,000 | $42,000 | $127,000 | $34,000 | $59,000 |
| Collateral | 3 | $222,000 | $74,000 | $95,000 | $32,000 | $56,000 |
| Other | 3 | $188,000 | $62,000 | $75,000 | $70,000 | $80,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 1 | $126,000 | $126,000 | $126,000 | $80,000 | $80,000 |
| Debt-To-Income Ratio | 1 | $96,000 | $96,000 | $96,000 | $46,000 | $46,000 |
| 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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