Twiggs County, GA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 211 mortgage applications in Twiggs County, GA totaling $31.8 million, down 6% from 2023. The average application was for $150,000, and applicants reported an average income of $81,000. 38% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 38 applications, followed by Robins Financial Credit Union and Triad Financial Services, 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 | 211 |
| Total Mortgage Loan Application Amount | $31,795,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $775,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $899,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 38 | $ 6,790,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31095 |
* | $ n/a | 14 | $ 1,230,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 12 | $ 1,410,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 12 | $ 1,450,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 8 | $ 1,390,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 1,295,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 735,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 5 | $ 675,000 |
| Bank of Dudley 200 W JACKSON ST DUBLIN, GA 31021 |
* | $ n/a | 4 | $ 490,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 190,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 630,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 760,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 4 | $ 550,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 560,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 415,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 3 | $ 485,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 755,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 3 | $ 595,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 215,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 345,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 2 | $ 260,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 260,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 440,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 70,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 2 | $ 600,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 220,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 2 | $ 450,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 190,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ n/a | 2 | $ 370,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ n/a | 2 | $ 120,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 350,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 160,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 130,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 200,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 290,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ n/a | 2 | $ 110,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 2 | $ 370,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ n/a | 2 | $ 230,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ n/a | 1 | $ 255,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 135,000 |
| Morris Bank 301 BELLEVUE AVENUE DUBLIN, GA 31021 |
* | $ n/a | 1 | $ 405,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ n/a | 1 | $ 185,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 45,000 |
| Cazle Mortgage, Inc. 3 E HENRIETTA ST BALTIMORE, MD 21220 |
* | $ n/a | 1 | $ 175,000 |
| Pinnacle Bank 884 ELBERT STREET ELBERTON, GA 30635 |
* | $ n/a | 1 | $ 775,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 1 | $ 245,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 95,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 55,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 195,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ n/a | 1 | $ 75,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 105,000 |
| United Bank PO BOX 1337 ZEBULON, GA 30295 |
* | $ n/a | 1 | $ 135,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 215,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 125,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 55,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 1 | $ 165,000 |
| Keystone Funding, Inc 519 S RED HAVEN LN DOVER, DE 19901 |
* | $ n/a | 1 | $ 155,000 |
| Magnolia State Bank 130 OAK ST EASTMAN, GA 31023 |
* | $ n/a | 1 | $ 65,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 175,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 65,000 |
The tables below break down 2024 mortgage applications in Twiggs 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 Twiggs County, GA in 2024
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 | 134 | $22,750,000 | $169,000 | $775,000 | $75,000 | $247,000 |
| Cash-out Refinancing | 26 | $3,120,000 | $120,000 | $285,000 | $74,000 | $282,000 |
| Refinancing | 21 | $3,715,000 | $176,000 | $455,000 | $138,000 | $899,000 |
| Other Purpose | 18 | $1,420,000 | $78,000 | $255,000 | $73,000 | $148,000 |
| Home Improvement | 11 | $745,000 | $67,000 | $125,000 | $88,000 | $237,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
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 | $14,550,000 | $154,000 | $495,000 | $90,000 | $899,000 |
| Black or African American | 60 | $7,830,000 | $130,000 | $265,000 | $63,000 | $162,000 |
| Not Provided | 35 | $5,205,000 | $148,000 | $375,000 | $87,000 | $237,000 |
| Not applicable | 16 | $3,420,000 | $213,000 | $775,000 | $0 | $0 |
| Hispanic | 3 | $395,000 | $131,000 | $165,000 | $82,000 | $128,000 |
| American Indian or Alaskan Native | 3 | $395,000 | $131,000 | $165,000 | $75,000 | $89,000 |
| 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) | 146 | $20,850,000 | $142,000 | $775,000 | $84,000 | $899,000 |
| FHA-insured (Federal Housing Administration) | 44 | $6,770,000 | $153,000 | $375,000 | $68,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 14 | $3,210,000 | $229,000 | $495,000 | $100,000 | $247,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $965,000 | $137,000 | $235,000 | $60,000 | $84,000 |
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 | 81 | $12,815,000 | $158,000 | $495,000 | $96,000 | $899,000 |
| Application Denied By Financial Institution | 67 | $9,105,000 | $135,000 | $325,000 | $66,000 | $215,000 |
| Application Withdrawn By Applicant | 23 | $4,415,000 | $191,000 | $775,000 | $82,000 | $155,000 |
| File Closed For Incompleteness | 20 | $2,640,000 | $132,000 | $295,000 | $70,000 | $162,000 |
| Loan Purchased By The Institution | 12 | $1,950,000 | $162,000 | $545,000 | $88,000 | $88,000 |
| Application Approved But Not Accepted | 8 | $870,000 | $108,000 | $165,000 | $89,000 | $282,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 137 | $20,955,000 | $152,000 | $545,000 | $89,000 | $899,000 |
| Credit History | 27 | $3,935,000 | $145,000 | $325,000 | $81,000 | $215,000 |
| Debt-To-Income Ratio | 25 | $4,045,000 | $161,000 | $775,000 | $54,000 | $143,000 |
| Credit Application Incomplete | 11 | $1,545,000 | $140,000 | $285,000 | $65,000 | $142,000 |
| Collateral | 6 | $530,000 | $88,000 | $165,000 | $57,000 | $75,000 |
| Unverifiable Information | 3 | $365,000 | $121,000 | $175,000 | $60,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $420,000 | $210,000 | $215,000 | $110,000 | $142,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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