Webster County, GA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 43 mortgage applications in Webster County, GA totaling $3.5 million, down 9% from 2016. The average application was for $82,000, and applicants reported an average income of $50,000. 51% of applications resulted in an originated loan and 30% were denied. The most active lender was Georgia Community Bank, with 5 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st Mortgage.
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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 | 43 |
| Total Mortgage Loan Application Amount | $3,543,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $174,000 |
| 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 |
* | $ 159,156,000 | 5 | $ 220,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 207,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 320,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ 116,074,000 | 3 | $ 309,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 434,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 488,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 500,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 2 | $ 207,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 2 | $ 17,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 129,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 1 | $ 5,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 1 | $ 101,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 60,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 1 | $ 15,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 102,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 116,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 62,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 81,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,896,533,000 | 1 | $ 49,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 1 | $ 60,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 21,000 |
| Onesouth Bank 12347 COLUMBIA ST BLAKELY, GA 32428 |
* | $ 132,594,000 | 1 | $ 26,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 6,884,999,000 | 1 | $ 14,000 |
The tables below break down 2017 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 2017
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 | 19 | $1,517,000 | $79,000 | $250,000 | $63,000 | $174,000 |
| Refinancing | 16 | $1,779,000 | $111,000 | $245,000 | $31,000 | $113,000 |
| Home Improvement | 8 | $247,000 | $30,000 | $125,000 | $57,000 | $82,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 20 | $1,716,000 | $85,000 | $250,000 | $48,000 | $174,000 |
| White | 14 | $1,148,000 | $82,000 | $145,000 | $55,000 | $96,000 |
| Not Provided | 6 | $528,000 | $88,000 | $153,000 | $31,000 | $60,000 |
| Not applicable | 1 | $129,000 | $129,000 | $129,000 | $0 | $0 |
| Hispanic | 1 | $17,000 | $17,000 | $17,000 | $160,000 | $160,000 |
| American Indian or Alaskan Native | 1 | $5,000 | $5,000 | $5,000 | $71,000 | $71,000 |
| 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) | 33 | $1,893,000 | $57,000 | $156,000 | $50,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,164,000 | $194,000 | $250,000 | $59,000 | $174,000 |
| FHA-insured (Federal Housing Administration) | 4 | $486,000 | $121,000 | $153,000 | $32,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 22 | $1,662,000 | $75,000 | $250,000 | $59,000 | $174,000 |
| Application Denied By Financial Institution | 13 | $1,107,000 | $85,000 | $250,000 | $43,000 | $143,000 |
| Application Withdrawn By Applicant | 3 | $406,000 | $135,000 | $245,000 | $45,000 | $73,000 |
| File Closed For Incompleteness | 3 | $177,000 | $59,000 | $81,000 | $33,000 | $60,000 |
| Application Approved But Not Accepted | 1 | $62,000 | $62,000 | $62,000 | $52,000 | $52,000 |
| Loan Purchased By The Institution | 1 | $129,000 | $129,000 | $129,000 | $0 | $0 |
| 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 | 3 | $59,000 | $19,000 | $49,000 | $43,000 | $71,000 |
| Debt-To-Income Ratio | 2 | $222,000 | $111,000 | $153,000 | $29,000 | $32,000 |
| Employment History | 1 | $130,000 | $130,000 | $130,000 | $38,000 | $38,000 |
| Credit Application Incomplete | 1 | $151,000 | $151,000 | $151,000 | $40,000 | $40,000 |
| Collateral | 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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