Webster County, GA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 49 mortgage applications in Webster County, GA totaling $4.7 million, up 14% from 2017. The average application was for $95,000, and applicants reported an average income of $64,000. 49% of applications resulted in an originated loan and 29% were denied. The most active lender was 21st Mortgage, with 10 applications, followed by Vanderbilt Mortgage and Finance, Inc and Goodleap, LLC.
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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 | 49 |
| Total Mortgage Loan Application Amount | $4,695,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $180,000 |
| 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 |
* | $ -1,000 | 10 | $ 680,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 9 | $ 585,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 465,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 160,000 |
| The Peoples Bank of Georgia 26 WEST MONROE STREET TALBOTTON, GA 31827 |
* | $ 77,244,000 | 2 | $ 120,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 31,106,198,000 | 2 | $ 110,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 380,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ 112,700,000 | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 295,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 285,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 14,461,396,000 | 1 | $ 85,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 105,000 |
| Southwest Georgia Farm Credit 305 COLQUITT HWY BAINBRIDGE, GA 39817 |
* | $ -1,000 | 1 | $ 75,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 245,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ -1,000 | 1 | $ 85,000 |
| Onesouth Bank 12347 COLUMBIA ST BLAKELY, GA 32428 |
* | $ 129,562,000 | 1 | $ 255,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 55,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 1 | $ 5,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 125,000 |
| Georgia Community Bank 250 EAST LEE ST DAWSON, GA 39842 |
* | $ 159,576,000 | 1 | $ 25,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 467,077,000 | 1 | $ 25,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 155,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2018 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 2018
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 | 30 | $2,330,000 | $77,000 | $255,000 | $55,000 | $174,000 |
| Refinancing | 7 | $1,095,000 | $156,000 | $285,000 | $77,000 | $125,000 |
| Cash-out Refinancing | 5 | $775,000 | $155,000 | $295,000 | $91,000 | $180,000 |
| Other Purpose | 4 | $150,000 | $37,000 | $65,000 | $71,000 | $94,000 |
| Home Improvement | 3 | $345,000 | $115,000 | $255,000 | $66,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 25 | $2,765,000 | $110,000 | $295,000 | $73,000 | $180,000 |
| Black or African American | 16 | $1,150,000 | $71,000 | $255,000 | $50,000 | $174,000 |
| Not Provided | 4 | $490,000 | $122,000 | $155,000 | $61,000 | $108,000 |
| Not applicable | 3 | $215,000 | $71,000 | $105,000 | $0 | $0 |
| Hispanic | 1 | $75,000 | $75,000 | $75,000 | $44,000 | $44,000 |
| 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) | 38 | $3,470,000 | $91,000 | $295,000 | $62,000 | $180,000 |
| FHA-insured (Federal Housing Administration) | 6 | $510,000 | $85,000 | $155,000 | $40,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 5 | $715,000 | $143,000 | $255,000 | $112,000 | $174,000 |
| 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 | 24 | $2,070,000 | $86,000 | $255,000 | $59,000 | $125,000 |
| Application Denied By Financial Institution | 14 | $1,430,000 | $102,000 | $295,000 | $55,000 | $180,000 |
| Loan Purchased By The Institution | 5 | $725,000 | $145,000 | $255,000 | $115,000 | $174,000 |
| File Closed For Incompleteness | 4 | $340,000 | $85,000 | $115,000 | $73,000 | $108,000 |
| Application Approved But Not Accepted | 2 | $130,000 | $65,000 | $65,000 | $82,000 | $94,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 32 | $2,960,000 | $92,000 | $255,000 | $69,000 | $174,000 |
| Credit History | 6 | $330,000 | $55,000 | $95,000 | $36,000 | $59,000 |
| Debt-To-Income Ratio | 5 | $415,000 | $83,000 | $255,000 | $33,000 | $44,000 |
| Collateral | 2 | $580,000 | $290,000 | $295,000 | $150,000 | $180,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $26,000 | $26,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $44,000 | $44,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $56,000 | $56,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $75,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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