Ware County, GA Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,019 mortgage applications in Ware County, GA totaling $88.1 million, down 8% from 2011. The average application was for $86,000, and applicants reported an average income of $57,000. 52% of applications resulted in an originated loan and 21% were denied. The most active lender was Primesouth Bank, with 149 applications, followed by Wells Fargo Bank NA and Waycross Bank & Trust.

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Total Number of Mortgage Applications 1,019
Total Mortgage Loan Application Amount $88,120,000
Average Mortgage Loan Application Amount $86,000
Highest Mortgage Loan Application Amount $720,000
Average Applicant Income $57,000
Highest Applicant Income $629,000

Mortgage Company List for Lending in Ware County, GA for 2012

* 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
Primesouth Bank
P O BOX 189
BLACKSHEAR, GA 31516
* $ 365,790,000 149 $ 10,031,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 91 $ 10,542,000
Waycross Bank & Trust
501 TEBEAU STREET
WAYCROSS, GA 31501
* $ 176,768,000 75 $ 4,490,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 69 $ 6,106,000
Atlantic Coast Bank
505 HAINES AVE
WAYCROSS, GA 31501
* $ 789,812,000 45 $ 3,078,000
Cimarron Mortgage Company
6311 RIDGEWOOD ROAD, SUITE 400W
JACKSON, MS 39211
* $ 10,000,000 45 $ 5,259,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 43 $ 4,722,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 42 $ 2,125,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 32 $ 3,321,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 31 $ 2,217,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 30 $ 2,838,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 22 $ 2,524,000
United Community Bank
PO BOX 398
BLAIRSVILLE, GA 30512
* $ 6,977,357,000 20 $ 1,295,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 19 $ 1,592,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 17 $ 1,700,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 14 $ 1,509,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ 10,000,000 13 $ 1,531,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,140,407,000 13 $ 682,000
The Heritage Bank
300 S MAIN ST
HINESVILLE, GA 31313
* $ 865,202,000 11 $ 510,000
Georgia B&Tc of Augusta
P O BOX 15367
AUGUSTA, GA 30919
* $ 1,610,361,000 11 $ 1,437,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,291,705,000 10 $ 100,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 9 $ 951,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 8 $ 773,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 8 $ 650,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 8 $ 651,000
Farmers and Merchants Bank
4 NORTH CARTER STREET, PO BOX 187
LAKELAND, GA 31635
* $ 593,109,000 8 $ 339,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 7 $ 752,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 7 $ 665,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 6 $ 580,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 978,405,000 5 $ 354,000
Southeastern Bank
1010 NORTH WAY, POST OFFICE BOX 455
DARIEN, GA 31305
* $ 416,610,000 4 $ 281,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 4 $ 239,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 4 $ 227,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 411,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 369,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 4 $ 266,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 4 $ 581,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 439,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 343,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 428,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 336,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 3 $ 157,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 396,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 275,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 3 $ 406,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 3 $ 341,000
First Bank of Georgia
2743 PERIMETER PKWY BLD 100, SUITE 100
AUGUSTA, GA 30909
* $ 493,073,000 3 $ 227,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 3 $ 233,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 3 $ 184,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 2 $ 220,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 2 $ 292,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 2 $ 230,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 248,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 2 $ 269,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 2 $ 24,000
Direct Lenders, Llc.
1600 KENNESAW DUE WEST ROAD SUITE 610
KENNESAW, GA 30152
* $ 1,250,000 2 $ 188,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ 10,000,000 2 $ 143,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 2 $ 33,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 2 $ 117,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 2 $ 360,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 40,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 63,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 72,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 115,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 20,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 72,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 59,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 157,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 136,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 229,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 30,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 71,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 55,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 114,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 150,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 47,000
Resource Financial Services
2717 DEVINE STREET
COLUMBIA, SC 29205
* $ 10,000,000 1 $ 193,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 81,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 140,000
Christensen Financial, Inc.
860 N SR 434
ALTAMONTE SPRINGS, FL 32714
* $ 10,000,000 1 $ 112,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 21,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 61,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 167,000
Origin Bank

HOUSTON, TX 77024
* $ 2,470,701,000 1 $ 260,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 1 $ 89,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 150,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 1 $ 118,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,074,816,000 1 $ 120,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,196,437,000 1 $ 101,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 1 $ 51,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 1 $ 13,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 3,003,189,000 1 $ 3,000
Colony Bank
302 SOUTH MAIN ST.
FITZGERALD, GA 31750
* $ 1,192,832,000 1 $ 27,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 69,289,000 1 $ 55,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 341,507,000 1 $ 141,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 47,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 1,086,660,000 1 $ 76,000
Guardian Bank
701 WILDWOOD PLANTATION DR.
VALDOSTA, GA 31604
* $ 229,137,000 1 $ 13,000
Crescom Bank
288 MEETING ST
CHARLESTON, SC 29401
* $ 825,259,000 1 $ 150,000
Andigo Credit Union
1501 E WOODFIELD RD
SCHAUMBURG, IL 60173
* $ 802,256,000 1 $ 102,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 1,972,908,000 1 $ 110,000
Campus USA Credit Union
14007 NW 1ST RD
NEWBERRY, FL 32669
* $ 1,080,639,000 1 $ 60,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 893,021,000 1 $ 34,000
Exchange Bank
PO BOX 580
MILLEDGEVILLE, GA 31059
* $ 218,708,000 1 $ 95,000

The tables below break down 2012 mortgage applications in Ware 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 Ware County, GA in 2012

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 588 $54,311,000 $92,000 $720,000 $62,000 $629,000
Home Purchase 357 $31,476,000 $88,000 $680,000 $51,000 $443,000
Home Improvement 74 $2,333,000 $31,000 $115,000 $48,000 $144,000

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 771 $64,280,000 $83,000 $578,000 $61,000 $629,000
Black or African American 110 $8,925,000 $81,000 $295,000 $43,000 $351,000
Not Provided 64 $5,805,000 $90,000 $203,000 $53,000 $126,000
Not applicable 49 $5,935,000 $121,000 $680,000 $12,000 $136,000
Asian 12 $2,186,000 $182,000 $720,000 $149,000 $558,000
Hispanic 9 $586,000 $65,000 $149,000 $39,000 $60,000
Native Hawaiian or Other Pacific Islander 3 $179,000 $59,000 $90,000 $124,000 $168,000
American Indian or Alaskan Native 1 $224,000 $224,000 $224,000 $78,000 $78,000

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) 704 $55,019,000 $78,000 $720,000 $62,000 $629,000
FHA-insured (Federal Housing Administration) 213 $20,410,000 $95,000 $295,000 $44,000 $141,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $5,449,000 $106,000 $167,000 $39,000 $69,000
VA-guaranteed (Veterans Administration) 51 $7,242,000 $142,000 $377,000 $57,000 $351,000

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 533 $43,157,000 $80,000 $578,000 $62,000 $629,000
Application Denied By Financial Institution 213 $18,187,000 $85,000 $680,000 $52,000 $558,000
Loan Purchased By The Institution 115 $12,068,000 $104,000 $377,000 $43,000 $201,000
Application Withdrawn By Applicant 87 $8,026,000 $92,000 $186,000 $56,000 $151,000
Application Approved But Not Accepted 47 $3,834,000 $81,000 $295,000 $55,000 $250,000
File Closed For Incompleteness 24 $2,848,000 $118,000 $720,000 $63,000 $480,000
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 71 $4,384,000 $61,000 $229,000 $44,000 $351,000
Debt-To-Income Ratio 34 $3,265,000 $96,000 $680,000 $44,000 $110,000
Collateral 21 $2,652,000 $126,000 $293,000 $99,000 $558,000
Credit Application Incomplete 12 $975,000 $81,000 $126,000 $49,000 $96,000
Other 11 $1,376,000 $125,000 $680,000 $57,000 $120,000
Unverifiable Information 5 $353,000 $70,000 $122,000 $37,000 $62,000
Employment History 3 $150,000 $50,000 $69,000 $35,000 $54,000
Insufficient Cash (Downpayment, Closing Cost) 3 $486,000 $162,000 $375,000 $178,000 $443,000
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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