Warner Robins, GA Metro Area Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 7,438 mortgage applications in Warner Robins, GA metro area totaling $1.1 billion, down 10% from 2010. The average application was for $151,257, and applicants reported an average income of $65,000. 51% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank NA, with 1,134 applications, followed by Robins Financial Credit Union and Bank of America NA.

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Total Number of Mortgage Applications 7,438
Total Mortgage Loan Application Amount $1,125,057,000
Average Mortgage Loan Application Amount $151,257
Highest Mortgage Loan Application Amount $27,170,000
Average Applicant Income $65,000
Highest Applicant Income $8,924,000
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Top Mortgage Lenders in Warner Robins, GA Metro Area (2011)

Ranked by the number of mortgage applications each lender reported in Warner Robins, GA metro area in 2011.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 Wells Fargo Bank NA
Minneapolis, MN
1,134 $197,467,000 $174,000 $60,000
2 Robins Financial Credit Union
Warner Robins, GA
695 $68,435,000 $98,000 $94,000
3 Bank of America NA
Westlake Village, CA
598 $85,625,000 $143,000 $68,000
4 USAA Federal Savings Bank
San Antonio, TX
462 $77,390,000 $167,000 $62,000
5 JPMorgan Chase Bank, NA
Columbus, OH
379 $50,959,000 $134,000 $47,000
6 Suntrust Mortgage, Inc.
Richmond, VA
356 $53,375,000 $149,000 $66,000
7 PHH Mortgage Corporation
West Palm Beach, FL
279 $46,116,000 $165,000 $27,000
8 Truist Bank
Raleigh, NC
247 $30,813,000 $124,000 $56,000
9 Synovus Mortgage Corporation
Birmingham, AL
192 $26,758,000 $139,000 $72,000
10 Mortgage Investors Corp
St. Petersburg, FL
187 $29,006,000 $155,000 $45,000

See every lender active in Warner Robins, GA metro area in 2011 »

The tables below break down 2011 mortgage applications in Warner Robins, GA metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Warner Robins, 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 4,344 $663,408,000 $152,000 $27,170,000 $67,000 $8,924,000
Home Purchase 2,837 $452,325,000 $159,000 $20,021,000 $61,000 $1,210,000
Home Improvement 257 $9,324,000 $36,000 $333,000 $73,000 $603,000

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 4,450 $612,827,000 $137,000 $517,000 $73,000 $8,924,000
Black or African American 1,172 $168,197,000 $143,000 $926,000 $61,000 $548,000
Not applicable 914 $211,182,000 $231,000 $27,170,000 $18,000 $450,000
Not Provided 542 $76,901,000 $141,000 $450,000 $72,000 $960,000
Hispanic 174 $23,651,000 $135,000 $362,000 $63,000 $762,000
Asian 148 $26,777,000 $180,000 $520,000 $98,000 $598,000
American Indian or Alaskan Native 25 $2,931,000 $117,000 $300,000 $69,000 $136,000
Native Hawaiian or Other Pacific Islander 13 $2,591,000 $199,000 $315,000 $55,000 $255,000

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) 3,604 $511,378,000 $141,000 $27,170,000 $83,000 $8,924,000
VA-guaranteed (Veterans Administration) 2,296 $401,915,000 $175,000 $926,000 $46,000 $371,000
FHA-insured (Federal Housing Administration) 1,405 $193,155,000 $137,000 $20,021,000 $50,000 $960,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 133 $18,609,000 $139,000 $212,000 $45,000 $86,000

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 3,792 $577,738,000 $152,000 $27,170,000 $68,000 $867,000
Loan Purchased By The Institution 1,692 $264,391,000 $156,000 $457,000 $45,000 $809,000
Application Denied By Financial Institution 1,059 $151,771,000 $143,000 $20,021,000 $66,000 $781,000
Application Withdrawn By Applicant 502 $74,357,000 $148,000 $442,000 $79,000 $1,619,000
Application Approved But Not Accepted 227 $31,469,000 $138,000 $404,000 $73,000 $762,000
File Closed For Incompleteness 166 $25,331,000 $152,000 $420,000 $125,000 $8,924,000
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 252 $41,804,000 $165,000 $20,021,000 $57,000 $603,000
Collateral 213 $33,171,000 $155,000 $926,000 $92,000 $781,000
Debt-To-Income Ratio 148 $19,361,000 $130,000 $517,000 $53,000 $256,000
Credit Application Incomplete 118 $15,725,000 $133,000 $405,000 $55,000 $348,000
Other 111 $14,361,000 $129,000 $425,000 $83,000 $517,000
Insufficient Cash (Downpayment, Closing Cost) 22 $2,750,000 $125,000 $270,000 $45,000 $93,000
Unverifiable Information 19 $2,729,000 $143,000 $375,000 $62,000 $150,000
Employment History 11 $1,475,000 $134,000 $403,000 $50,000 $97,000
Mortgage Insurance Denied 2 $299,000 $149,000 $173,000 $54,000 $61,000

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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