Webster County, GA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 45 mortgage applications in Webster County, GA totaling $3.2 million, down 8% from 2007. The average application was for $71,000, and applicants reported an average income of $54,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Bank of Dawson, with 7 applications, followed by Georgia Community Bank and Bank of America, N.A..
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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 | 45 |
| Total Mortgage Loan Application Amount | $3,239,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $301,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $175,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ 96,676,000 | 7 | $ 454,000 |
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ 121,959,000 | 5 | $ 144,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 4 | $ 416,000 |
| Prime Home Mortgage, Inc. 1414 W. GRANADA BLVD., SUITE 4 ORMOND BEACH, FL 32174 |
* | $ 10,000,000 | 4 | $ 331,000 |
| Onesouth Bank 12347 COLUMBIA ST BLAKELY, GA 32428 |
* | $ 85,087,000 | 3 | $ 57,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 2 | $ 208,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 336,000 |
| Central Bank of Georgia PO BOX 45 ELLAVILLE, GA 31806 |
* | $ 310,188,000 | 2 | $ 72,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 332,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 653,269,000,000 | 2 | $ 139,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 1 | $ 177,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 110,000 |
| Colonial Bank P. O BOX 1108 MONTGOMERY, AL 36101 |
* | $ 25,937,048,000 | 1 | $ 62,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 150,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 8,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 56,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 922,061,000 | 1 | $ 44,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 453,347,000 | 1 | $ 32,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 20,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 1 | $ 20,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 2,784,161,000 | 1 | $ 21,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 50,000 |
The tables below break down 2008 mortgage applications in Webster 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 Webster County, GA in 2008
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 | 23 | $1,969,000 | $85,000 | $301,000 | $57,000 | $150,000 |
| Home Purchase | 16 | $1,192,000 | $74,000 | $175,000 | $59,000 | $175,000 |
| Home Improvement | 6 | $78,000 | $13,000 | $24,000 | $31,000 | $50,000 |
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 | 28 | $1,963,000 | $70,000 | $216,000 | $63,000 | $175,000 |
| Black or African American | 8 | $297,000 | $37,000 | $150,000 | $41,000 | $80,000 |
| Not Provided | 5 | $360,000 | $72,000 | $175,000 | $69,000 | $134,000 |
| Not applicable | 4 | $619,000 | $154,000 | $301,000 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 43 | $3,057,000 | $71,000 | $301,000 | $54,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 2 | $182,000 | $91,000 | $120,000 | $55,000 | $91,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 25 | $1,760,000 | $70,000 | $301,000 | $61,000 | $175,000 |
| Application Denied By Financial Institution | 8 | $288,000 | $36,000 | $77,000 | $26,000 | $34,000 |
| Application Approved But Not Accepted | 5 | $333,000 | $66,000 | $175,000 | $84,000 | $150,000 |
| Loan Purchased By The Institution | 3 | $318,000 | $106,000 | $113,000 | $0 | $0 |
| Application Withdrawn By Applicant | 2 | $332,000 | $166,000 | $166,000 | $65,000 | $65,000 |
| File Closed For Incompleteness | 2 | $208,000 | $104,000 | $175,000 | $82,000 | $82,000 |
| 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 | 5 | $184,000 | $36,000 | $77,000 | $27,000 | $34,000 |
| Debt-To-Income Ratio | 1 | $46,000 | $46,000 | $46,000 | $27,000 | $27,000 |
| Credit Application Incomplete | 1 | $50,000 | $50,000 | $50,000 | $20,000 | $20,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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