Webster County, GA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 44 mortgage applications in Webster County, GA totaling $3.6 million, down 8% from 2009. The average application was for $81,000, and applicants reported an average income of $49,000. 43% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 6 applications, followed by Georgia Community Bank and Bank of Dawson.
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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 | 44 |
| Total Mortgage Loan Application Amount | $3,584,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $290,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $170,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 253,000 |
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ 131,391,000 | 5 | $ 223,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ 102,555,000 | 4 | $ 218,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 4 | $ 237,000 |
| Mainstreet Community Bank of Florida 204 S. WOODLAND BLVD DELAND, FL 32720 |
* | $ 171,880,000 | 3 | $ 200,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 243,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 74,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 7,202,014,000 | 2 | $ 371,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 2 | $ 376,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Central Bank of Georgia PO BOX 45 ELLAVILLE, GA 31806 |
* | $ 326,257,000 | 1 | $ 19,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 290,000 |
| Onesouth Bank 12347 COLUMBIA ST BLAKELY, GA 32428 |
* | $ 83,212,000 | 1 | $ 55,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 906,535,000 | 1 | $ 91,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 54,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 182,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 56,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 77,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 1 | $ 66,000 |
The tables below break down 2010 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 2010
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 | 31 | $3,013,000 | $97,000 | $290,000 | $55,000 | $170,000 |
| Home Purchase | 11 | $531,000 | $48,000 | $101,000 | $38,000 | $79,000 |
| Home Improvement | 2 | $40,000 | $20,000 | $36,000 | $25,000 | $35,000 |
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 | $2,630,000 | $93,000 | $290,000 | $59,000 | $170,000 |
| Black or African American | 9 | $284,000 | $31,000 | $55,000 | $34,000 | $99,000 |
| Not applicable | 3 | $329,000 | $109,000 | $175,000 | $0 | $0 |
| Not Provided | 2 | $143,000 | $71,000 | $87,000 | $45,000 | $61,000 |
| Asian | 2 | $198,000 | $99,000 | $119,000 | $63,000 | $75,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 39 | $2,774,000 | $71,000 | $290,000 | $42,000 | $144,000 |
| FHA-insured (Federal Housing Administration) | 5 | $810,000 | $162,000 | $196,000 | $103,000 | $170,000 |
| 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 | 19 | $1,480,000 | $77,000 | $290,000 | $42,000 | $144,000 |
| Application Denied By Financial Institution | 10 | $672,000 | $67,000 | $185,000 | $42,000 | $82,000 |
| Application Withdrawn By Applicant | 5 | $704,000 | $140,000 | $196,000 | $97,000 | $170,000 |
| Application Approved But Not Accepted | 5 | $292,000 | $58,000 | $91,000 | $61,000 | $99,000 |
| Loan Purchased By The Institution | 3 | $220,000 | $73,000 | $77,000 | $23,000 | $70,000 |
| File Closed For Incompleteness | 2 | $216,000 | $108,000 | $180,000 | $46,000 | $60,000 |
| 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 | $110,000 | $27,000 | $40,000 | $31,000 | $55,000 |
| Collateral | 3 | $370,000 | $123,000 | $185,000 | $63,000 | $82,000 |
| Other | 1 | $56,000 | $56,000 | $56,000 | $61,000 | $61,000 |
| Debt-To-Income Ratio | 1 | $49,000 | $49,000 | $49,000 | $23,000 | $23,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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