Wheeler County, GA Mortgage Lenders & HMDA Data, 2006

In 2006, lenders reported 111 mortgage applications in Wheeler County, GA totaling $9.5 million, up 6% from 2005. The average application was for $85,000, and applicants reported an average income of $58,000. 32% of applications resulted in an originated loan and 23% were denied. The most active lender was Taylor, Bean & Whitaker, with 5 applications, followed by Nationstar Mortgage and Citicorp Trust Bank, FSB.

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Total Number of Mortgage Applications 111
Total Mortgage Loan Application Amount $9,521,000
Average Mortgage Loan Application Amount $85,000
Highest Mortgage Loan Application Amount $260,000
Average Applicant Income $58,000
Highest Applicant Income $350,000

Mortgage Company List for Lending in Wheeler County, GA for 2006

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 5 $ 626,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 503,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 36,499,554,000 5 $ 392,000
Darby Bank & Trust, Co.
204 DURDEN STREET
VIDALIA, GA 30474
* $ 564,792,000 5 $ 144,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 177,231,290,000 5 $ 411,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 175,085,370,000 5 $ 555,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 80,226,832,000 4 $ 330,000
Argent Mortgage Company
1100 TOWN & COUNTRY
ORANGE, CA 92868
* $ 10,000,000 3 $ 428,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 22,481,092,000 3 $ 385,000
First Bank of Georgia
2743 PERIMETER PKWY BLD 100, SUITE 100
AUGUSTA, GA 30909
* $ 349,368,000 3 $ 454,000
Ameriquest Mortgage Company
1100 TOWN & COUNTRY ROAD
ORANGE, CA 92868
* $ 10,000,000 3 $ 353,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,013,985,000,000 3 $ 151,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 69,482,177,000 2 $ 107,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 403,258,000,000 2 $ 161,000
Countrywide Bank, N.A.
35 NORTH LAKE, MS 35-148
PASADENA, CA 91101
* $ 73,116,292,000 2 $ 177,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000 2 $ 235,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 472,143,000,000 2 $ 80,000
Saxon Mortgage
4840 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 2 $ 150,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 127,000
Citifinancial Mtg Co, Inc
4000 REGENT BLVD
IRVING, TX 75063
* $ 32,424,600,000 2 $ 227,000
Long Beach Mortgage Co.
227 EAST AVENUE
ALBION, NY 14411
* $ 330,706,384,000 2 $ 186,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 330,706,384,000 2 $ 308,000
Aegis Funding Corporation
3250 BRIARPARK DR SUITE 400
HOUSTON, TX 77042
* $ 10,000,000 2 $ 245,000
Green Tree Servicing LLC
345 ST. PETER STREET
ST. PAUL, MN 55102
* $ 31,000,000 2 $ 134,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 2 $ 27,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 2 $ 96,000
Wells Fargo Fin'l Georgia, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 2 $ 75,000
Hfc Company LLC
140 INDUSTRIAL DRIVE
ELMHURST, IL 60126
* $ 16,981,282,000 2 $ 107,000
Irwin Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 47037
* $ 6,179,872,000 2 $ 260,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 2 $ 318,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 1 $ 120,000
Nexstar Financial Corporation
200 N COLLEGE ST NC1-004-04-13
CHARLOTTE, NC 28255
* $ 11,800,000,000 1 $ 33,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,615,097,000 1 $ 104,000
Talbot State Bank
710 NORTH GLYNN STREET
FAYETTEVILLE, GA 30214
* $ 91,763,000 1 $ 80,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 16,000
Magnolia State Bank
130 OAK ST
EASTMAN, GA 31023
* $ 226,005,000 1 $ 152,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 661,001,000 1 $ 40,000
Atlantic Coast Bank
505 HAINES AVENUE
WAYCROSS, GA 31501
* $ 733,808,000 1 $ 64,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 37,000
Wmc Mortgage Corp.
3100 THORTON AVE
BURBANK, CA 91504
* $ 31,000,000 1 $ 97,000
BNC Mortgage
745 SEVENTH AVENUE, 24TH FLOOR
NEW YORK, NY 10019
* $ 2,500,000,000 1 $ 185,000
Home Loan Investment Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 240,529,000 1 $ 65,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 12,329,271,000 1 $ 44,000
Fremont Investment & Loan
2727 E. IMPERIAL HIGHWAY
BREA, CA 92821
* $ 11,315,543,000 1 $ 60,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,697,483,000 1 $ 51,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 19,653,232,000 1 $ 75,000
Aegis Wholesale Corporation
3250 BRIARPARK DR SUITE 400
HOUSTON, TX 77042
* $ 10,000,000 1 $ 72,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 105,000
New Century Mortgage Corporati
18400 VON KARMAN AVE., SUITE 1000
IRVINE, CA 92612
* $ 10,000,000 1 $ 111,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 1 $ 51,000
Queensborough National Bank and Trust
3617 WALTON WAY EXT.
LOUISVILLE, GA 30434
* $ 581,453,000 1 $ 13,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 208,867,410,000 1 $ 79,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,082,250,290,000 1 $ 41,000
Keybank National Association
100 PUBLIC SQUARE STE 600 OH-01-10-06006
CLEVELAND, OH 44113
* $ 88,960,716,000 1 $ 5,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 75,051,579,000 1 $ 36,000
Mbna America Delaware, N.A.
200 N COLLEGE ST NC1-004-04-13
CHARLOTTE, NC 28255
* $ 5,455,865,000 1 $ 33,000

The tables below break down 2006 mortgage applications in Wheeler 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 Wheeler County, GA in 2006

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 77 $7,263,000 $94,000 $260,000 $62,000 $191,000
Home Purchase 23 $1,745,000 $75,000 $155,000 $36,000 $86,000
Home Improvement 11 $513,000 $46,000 $131,000 $75,000 $350,000

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 61 $5,505,000 $90,000 $260,000 $68,000 $350,000
Black or African American 33 $2,431,000 $73,000 $200,000 $46,000 $125,000
Not Provided 10 $852,000 $85,000 $190,000 $63,000 $191,000
Not applicable 7 $733,000 $104,000 $242,000 $26,000 $71,000
Hispanic 0 $0 $0 $0 $0 $0
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) 109 $9,347,000 $85,000 $260,000 $59,000 $350,000
FHA-insured (Federal Housing Administration) 1 $105,000 $105,000 $105,000 $43,000 $43,000
VA-guaranteed (Veterans Administration) 1 $69,000 $69,000 $69,000 $24,000 $24,000
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 36 $2,597,000 $72,000 $242,000 $56,000 $190,000
Application Denied By Financial Institution 25 $1,665,000 $66,000 $126,000 $42,000 $90,000
Loan Purchased By The Institution 21 $2,456,000 $116,000 $260,000 $58,000 $190,000
Application Withdrawn By Applicant 15 $1,533,000 $102,000 $190,000 $90,000 $350,000
Application Approved But Not Accepted 9 $700,000 $77,000 $111,000 $41,000 $90,000
File Closed For Incompleteness 5 $570,000 $114,000 $200,000 $91,000 $191,000
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 7 $411,000 $58,000 $122,000 $45,000 $78,000
Collateral 4 $323,000 $80,000 $126,000 $48,000 $70,000
Other 2 $150,000 $75,000 $85,000 $82,000 $88,000
Debt-To-Income Ratio 2 $121,000 $60,000 $66,000 $37,000 $40,000
Employment History 1 $80,000 $80,000 $80,000 $90,000 $90,000
Unverifiable Information 1 $60,000 $60,000 $60,000 $30,000 $30,000
Credit Application Incomplete 1 $44,000 $44,000 $44,000 $14,000 $14,000
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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