Webster County, GA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 96 mortgage applications in Webster County, GA totaling $14.3 million, up 52% from 2021. The average application was for $149,000, and applicants reported an average income of $79,000. 26% of applications resulted in an originated loan and 53% were denied. The most active lender was 21st Mortgage, with 23 applications, followed by Triad Financial Services, Inc. and Firstbank.
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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 | 96 |
| Total Mortgage Loan Application Amount | $14,310,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $469,000 |
| 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 | 23 | $ 3,275,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 14 | $ 2,120,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 9 | $ 1,245,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 6 | $ 690,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 200,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 23,754,594,000 | 2 | $ 350,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 2 | $ 120,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 2 | $ 260,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 270,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 500,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 2 | $ 390,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 135,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 1 | $ 115,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ -1,000 | 1 | $ 115,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 275,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 1 | $ 45,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 185,000 |
| The Peoples Bank of Georgia 26 WEST MONROE STREET TALBOTTON, GA 31827 |
* | $ 134,486,000 | 1 | $ 55,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 1 | $ 185,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 135,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 155,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ 1,319,070,000 | 1 | $ 125,000 |
| Five Star Credit Union 411 N FOSTER ST DOTHAN, AL 36302 |
* | $ 661,046,000 | 1 | $ 85,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 165,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 275,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 41,822,249,000 | 1 | $ 485,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 1 | $ 195,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 275,000 |
| Southern States Bank DALLAS, GA 30157 |
* | $ 1,781,732,000 | 1 | $ 95,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 145,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 20,897,645,000 | 1 | $ 535,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 1 | $ 75,000 |
The tables below break down 2022 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 2022
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 | 74 | $11,330,000 | $153,000 | $535,000 | $79,000 | $469,000 |
| Cash-out Refinancing | 14 | $1,750,000 | $125,000 | $275,000 | $67,000 | $106,000 |
| Refinancing | 4 | $910,000 | $227,000 | $275,000 | $130,000 | $153,000 |
| Other Purpose | 2 | $190,000 | $95,000 | $135,000 | $56,000 | $71,000 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $88,000 | $88,000 |
| Not Applicable | 1 | $85,000 | $85,000 | $85,000 | $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 |
|---|---|---|---|---|---|---|
| Black or African American | 49 | $6,455,000 | $131,000 | $275,000 | $64,000 | $120,000 |
| White | 32 | $4,600,000 | $143,000 | $265,000 | $78,000 | $153,000 |
| Not Provided | 7 | $2,045,000 | $292,000 | $535,000 | $214,000 | $469,000 |
| Not applicable | 5 | $785,000 | $157,000 | $275,000 | $41,000 | $41,000 |
| Hispanic | 2 | $360,000 | $180,000 | $275,000 | $71,000 | $87,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $79,000 | $79,000 |
| 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) | 82 | $12,040,000 | $146,000 | $535,000 | $80,000 | $469,000 |
| FHA-insured (Federal Housing Administration) | 7 | $785,000 | $112,000 | $165,000 | $49,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,485,000 | $212,000 | $275,000 | $83,000 | $106,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 51 | $7,185,000 | $140,000 | $485,000 | $71,000 | $340,000 |
| Loan Originated | 25 | $3,705,000 | $148,000 | $535,000 | $93,000 | $469,000 |
| Application Withdrawn By Applicant | 7 | $1,425,000 | $203,000 | $275,000 | $81,000 | $122,000 |
| File Closed For Incompleteness | 5 | $635,000 | $127,000 | $195,000 | $82,000 | $153,000 |
| Loan Purchased By The Institution | 5 | $785,000 | $157,000 | $275,000 | $41,000 | $41,000 |
| Application Approved But Not Accepted | 3 | $575,000 | $191,000 | $255,000 | $94,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 44 | $7,070,000 | $160,000 | $535,000 | $90,000 | $469,000 |
| Credit History | 40 | $5,550,000 | $138,000 | $205,000 | $66,000 | $144,000 |
| Debt-To-Income Ratio | 5 | $475,000 | $95,000 | $135,000 | $47,000 | $84,000 |
| Credit Application Incomplete | 2 | $360,000 | $180,000 | $265,000 | $79,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $560,000 | $280,000 | $485,000 | $219,000 | $340,000 |
| Unverifiable Information | 2 | $150,000 | $75,000 | $85,000 | $78,000 | $102,000 |
| Other | 1 | $145,000 | $145,000 | $145,000 | $56,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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