Webster County, GA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 48 mortgage applications in Webster County, GA totaling $5.4 million, up 7% from 2008. The average application was for $112,000, and applicants reported an average income of $58,000. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was Georgia Community Bank, with 6 applications, followed by Ally Bank F/K/A/ Gmac Bank and Central Bank of Georgia.
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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 | 48 |
| Total Mortgage Loan Application Amount | $5,396,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $987,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $355,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ 125,896,000 | 6 | $ 262,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 4 | $ 346,000 |
| Central Bank of Georgia PO BOX 45 ELLAVILLE, GA 31806 |
* | $ 345,537,000 | 4 | $ 72,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 349,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 388,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 2 | $ 278,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 460,726,000 | 2 | $ 388,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 2 | $ 429,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 2 | $ 40,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 2 | $ 428,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 151,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ 98,803,000 | 1 | $ 49,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 9,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 1 | $ 47,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 72,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 46,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 1 | $ 100,000 |
| Onesouth Bank 12347 COLUMBIA ST BLAKELY, GA 32428 |
* | $ 86,005,000 | 1 | $ 7,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 250,000 |
| First Choice Community Bank 1595 HIGHWAY 34 EAST NEWNAN, GA 30265 |
* | $ 218,479,000 | 1 | $ 987,000 |
| Sb&T PO BOX 1912 ALBANY, GA 31703 |
* | $ 429,855,000 | 1 | $ 3,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 1 | $ 72,000 |
| Dovenmuehle Funding, Inc 1 CORPORATE DRIVE SUITE 360 LAKE ZURICH, IL 60047 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 252,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Prime Home Mortgage, Inc. 1414 W. GRANADA BLVD., SUITE 4 ORMOND BEACH, FL 32174 |
* | $ 10,000,000 | 1 | $ 113,000 |
The tables below break down 2009 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 2009
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 | 30 | $3,397,000 | $113,000 | $270,000 | $67,000 | $142,000 |
| Home Purchase | 14 | $1,875,000 | $133,000 | $987,000 | $47,000 | $355,000 |
| Home Improvement | 4 | $124,000 | $31,000 | $100,000 | $32,000 | $72,000 |
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 | 26 | $4,126,000 | $158,000 | $987,000 | $81,000 | $355,000 |
| Black or African American | 13 | $459,000 | $35,000 | $106,000 | $33,000 | $80,000 |
| Not applicable | 7 | $614,000 | $87,000 | $113,000 | $11,000 | $79,000 |
| Not Provided | 1 | $107,000 | $107,000 | $107,000 | $142,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $90,000 | $90,000 | $90,000 | $54,000 | $54,000 |
| Hispanic | 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) | 42 | $4,757,000 | $113,000 | $987,000 | $61,000 | $355,000 |
| FHA-insured (Federal Housing Administration) | 6 | $639,000 | $106,000 | $172,000 | $40,000 | $80,000 |
| 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 | 23 | $2,728,000 | $118,000 | $987,000 | $70,000 | $355,000 |
| Loan Purchased By The Institution | 9 | $765,000 | $85,000 | $113,000 | $19,000 | $80,000 |
| Application Denied By Financial Institution | 9 | $1,020,000 | $113,000 | $252,000 | $59,000 | $116,000 |
| Application Withdrawn By Applicant | 4 | $505,000 | $126,000 | $199,000 | $75,000 | $119,000 |
| Application Approved But Not Accepted | 2 | $278,000 | $139,000 | $250,000 | $56,000 | $83,000 |
| File Closed For Incompleteness | 1 | $100,000 | $100,000 | $100,000 | $72,000 | $72,000 |
| 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 | 4 | $96,000 | $24,000 | $72,000 | $22,000 | $32,000 |
| Debt-To-Income Ratio | 1 | $72,000 | $72,000 | $72,000 | $32,000 | $32,000 |
| Collateral | 1 | $252,000 | $252,000 | $252,000 | $83,000 | $83,000 |
| Mortgage Insurance Denied | 1 | $212,000 | $212,000 | $212,000 | $116,000 | $116,000 |
| Other | 1 | $212,000 | $212,000 | $212,000 | $116,000 | $116,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
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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