Warren County, GA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 133 mortgage applications in Warren County, GA totaling $21.8 million, up 28% from 2023. The average application was for $164,000, and applicants reported an average income of $78,000. 34% of applications resulted in an originated loan and 39% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 14 applications, followed by 21st Mortgage and First Ciitizens Bank and Trust.
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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 | 133 |
| Total Mortgage Loan Application Amount | $21,815,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $2,025,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $520,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 14 | $ 1,630,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 10 | $ 1,430,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 8 | $ 890,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,250,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 455,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 5 | $ 2,315,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 875,000 |
| Queensborough National Bank and Trust 3617 WALTON WAY EXT. LOUISVILLE, GA 30434 |
* | $ n/a | 4 | $ 800,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 465,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 3 | $ 525,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 765,000 |
| F & M Bank 911 EAST ROBERT TOOMBS AVE WASHINGTON, GA 30673 |
* | $ n/a | 3 | $ 205,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ n/a | 3 | $ 155,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 655,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 315,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 375,000 |
| First State Bank 300 BROAD ST WRENS, GA 30833 |
* | $ n/a | 3 | $ 905,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 370,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 330,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 160,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 2 | $ 640,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 320,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 320,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 110,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 170,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 50,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 280,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 195,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 155,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 165,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 215,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 275,000 |
| Aggeorgia Farm Credit 468 PERRY PKWY PERRY, GA 31069 |
* | $ n/a | 1 | $ 385,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 185,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 165,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 175,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 1 | $ 85,000 |
| Banksouth 6340 LAKE OCONEE PARKWAY GREENSBORO, GA 30642 |
* | $ n/a | 1 | $ 335,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 145,000 |
| Pinnacle Bank 884 ELBERT STREET ELBERTON, GA 30635 |
* | $ n/a | 1 | $ 215,000 |
| The Claxton Bank 121 WEST MAIN STREET CLAXTON, GA 30417 |
* | $ n/a | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 125,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 375,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 145,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 145,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 105,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 85,000 |
| Srp Federal Credit Union 1070 EDGEFIELD ROAD NORTH AUGUSTA, SC 29841 |
* | $ n/a | 1 | $ 85,000 |
| Legends Bank P.O. BOX 1066 CLARKSVILLE, TN 37041 |
* | $ n/a | 1 | $ 315,000 |
The tables below break down 2024 mortgage applications in Warren 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 Warren 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 | 77 | $12,145,000 | $157,000 | $385,000 | $77,000 | $520,000 |
| Home Improvement | 17 | $1,205,000 | $70,000 | $155,000 | $89,000 | $287,000 |
| Cash-out Refinancing | 16 | $2,770,000 | $173,000 | $315,000 | $67,000 | $147,000 |
| Refinancing | 15 | $5,055,000 | $337,000 | $2,025,000 | $83,000 | $259,000 |
| Other Purpose | 8 | $640,000 | $80,000 | $125,000 | $79,000 | $220,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Black or African American | 52 | $6,470,000 | $124,000 | $365,000 | $57,000 | $287,000 |
| White | 49 | $7,875,000 | $160,000 | $385,000 | $91,000 | $259,000 |
| Not applicable | 13 | $4,545,000 | $349,000 | $2,025,000 | $107,000 | $107,000 |
| Not Provided | 13 | $2,165,000 | $166,000 | $385,000 | $111,000 | $520,000 |
| Hispanic | 5 | $725,000 | $145,000 | $255,000 | $57,000 | $79,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $144,000 | $144,000 |
| 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) | 88 | $14,100,000 | $160,000 | $2,025,000 | $78,000 | $520,000 |
| FHA-insured (Federal Housing Administration) | 24 | $3,550,000 | $147,000 | $255,000 | $62,000 | $263,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,730,000 | $207,000 | $375,000 | $101,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $435,000 | $145,000 | $165,000 | $79,000 | $90,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 52 | $7,360,000 | $141,000 | $385,000 | $75,000 | $520,000 |
| Loan Originated | 45 | $9,325,000 | $207,000 | $2,025,000 | $94,000 | $287,000 |
| Application Withdrawn By Applicant | 14 | $2,210,000 | $157,000 | $385,000 | $68,000 | $147,000 |
| File Closed For Incompleteness | 11 | $1,165,000 | $105,000 | $215,000 | $49,000 | $144,000 |
| Loan Purchased By The Institution | 10 | $1,740,000 | $174,000 | $315,000 | $98,000 | $107,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $31,000 | $31,000 |
| 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 | 73 | $13,025,000 | $178,000 | $2,025,000 | $80,000 | $287,000 |
| Debt-To-Income Ratio | 23 | $3,545,000 | $154,000 | $625,000 | $57,000 | $163,000 |
| Credit History | 21 | $2,905,000 | $138,000 | $275,000 | $76,000 | $520,000 |
| Credit Application Incomplete | 7 | $1,165,000 | $166,000 | $385,000 | $99,000 | $159,000 |
| Collateral | 5 | $505,000 | $101,000 | $245,000 | $59,000 | $79,000 |
| Unverifiable Information | 2 | $210,000 | $105,000 | $145,000 | $54,000 | $83,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $263,000 | $263,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $295,000 | $295,000 | $295,000 | $183,000 | $183,000 |
| Mortgage Insurance Denied | 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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