Webster County, GA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 53 mortgage applications in Webster County, GA totaling $10.7 million, up 6% from 2023. The average application was for $201,000, and applicants reported an average income of $101,000. 23% of applications resulted in an originated loan and 43% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 8 applications, followed by 21st Mortgage 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 | 53 |
| Total Mortgage Loan Application Amount | $10,665,000 |
| Average Mortgage Loan Application Amount | $201,000 |
| Highest Mortgage Loan Application Amount | $2,535,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $777,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 8 | $ 950,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 565,000 |
| Bank of Dawson P. O. BOX 230 DAWSON, GA 39842 |
* | $ n/a | 4 | $ 1,230,000 |
| Five Star Credit Union 411 N FOSTER ST DOTHAN, AL 36302 |
* | $ n/a | 3 | $ 235,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ n/a | 2 | $ 200,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 2 | $ 300,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 450,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 400,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 280,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 850,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 35,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 55,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ n/a | 1 | $ 155,000 |
| Southern States Bank DALLAS, GA 30157 |
* | $ n/a | 1 | $ 315,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 405,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 85,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 115,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ n/a | 1 | $ 2,535,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 155,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 185,000 |
| Vystar Credit Union 4949 BLANDING BLVD JACKSONVILLE, FL 32202 |
* | $ n/a | 1 | $ 55,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 115,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 45,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 295,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 45,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 215,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2024 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 2024
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 | 36 | $4,660,000 | $129,000 | $425,000 | $88,000 | $636,000 |
| Cash-out Refinancing | 9 | $1,675,000 | $186,000 | $405,000 | $81,000 | $162,000 |
| Refinancing | 5 | $4,245,000 | $849,000 | $2,535,000 | $318,000 | $777,000 |
| Other Purpose | 2 | $80,000 | $40,000 | $45,000 | $81,000 | $87,000 |
| Home Improvement | 1 | $5,000 | $5,000 | $5,000 | $44,000 | $44,000 |
| 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 |
|---|---|---|---|---|---|---|
| Black or African American | 24 | $2,280,000 | $95,000 | $295,000 | $55,000 | $115,000 |
| White | 11 | $4,185,000 | $380,000 | $2,535,000 | $170,000 | $777,000 |
| Not Provided | 7 | $1,015,000 | $145,000 | $315,000 | $153,000 | $636,000 |
| Not applicable | 6 | $2,000,000 | $333,000 | $1,175,000 | $0 | $0 |
| Hispanic | 2 | $290,000 | $145,000 | $175,000 | $89,000 | $92,000 |
| American Indian or Alaskan Native | 2 | $850,000 | $425,000 | $425,000 | $154,000 | $155,000 |
| Asian | 1 | $45,000 | $45,000 | $45,000 | $76,000 | $76,000 |
| 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) | 42 | $8,620,000 | $205,000 | $2,535,000 | $102,000 | $777,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,410,000 | $235,000 | $295,000 | $103,000 | $119,000 |
| FHA-insured (Federal Housing Administration) | 3 | $425,000 | $141,000 | $215,000 | $94,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $210,000 | $105,000 | $105,000 | $63,000 | $63,000 |
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 | 23 | $2,125,000 | $92,000 | $175,000 | $56,000 | $144,000 |
| Loan Originated | 12 | $5,140,000 | $428,000 | $2,535,000 | $156,000 | $777,000 |
| Application Withdrawn By Applicant | 6 | $1,850,000 | $308,000 | $425,000 | $240,000 | $636,000 |
| File Closed For Incompleteness | 5 | $585,000 | $117,000 | $155,000 | $68,000 | $153,000 |
| Loan Purchased By The Institution | 5 | $825,000 | $165,000 | $295,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 2 | $140,000 | $70,000 | $95,000 | $52,000 | $56,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 24 | $4,360,000 | $181,000 | $425,000 | $99,000 | $162,000 |
| Credit History | 13 | $1,125,000 | $86,000 | $175,000 | $58,000 | $144,000 |
| Debt-To-Income Ratio | 11 | $4,605,000 | $418,000 | $2,535,000 | $187,000 | $777,000 |
| Unverifiable Information | 3 | $285,000 | $95,000 | $115,000 | $68,000 | $92,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $37,000 | $37,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $1,000 | $1,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 |
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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