Wheeler County, GA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 53 mortgage applications in Wheeler County, GA totaling $4.3 million, down 17% from 2008. The average application was for $81,000, and applicants reported an average income of $42,000. 49% of applications resulted in an originated loan and 26% were denied. The most active lender was Montgomery Bank & Trust, with 8 applications, followed by Magnolia State Bank and Branch Banking and Trust Co.
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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 | $4,304,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $230,000 |
| Average Applicant Income | $42,000 |
| Highest Applicant Income | $132,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Montgomery Bank & Trust 125 SOUTH LEE STREET AILEY, GA 30410 |
* | $ 260,744,000 | 8 | $ 231,000 |
| Magnolia State Bank 130 OAK ST EASTMAN, GA 31023 |
* | $ 308,604,000 | 4 | $ 263,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 3 | $ 288,000 |
| Darby Bank & Trust, Co. 204 DURDEN STREET VIDALIA, GA 30474 |
* | $ 784,901,000 | 3 | $ 95,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 254,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 3 | $ 297,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 3 | $ 174,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 3 | $ 336,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 3 | $ 403,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 2 | $ 185,000 |
| The Park Avenue Bank 3250 N. VALDOSTA RD. VALDOSTA, GA 31604 |
* | $ 1,349,068,000 | 2 | $ 50,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 1,116,400,000 | 2 | $ 33,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 460,726,000 | 2 | $ 240,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 178,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 993,012,000 | 1 | $ 48,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 65,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,471,454,000 | 1 | $ 20,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 207,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 1 | $ 63,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 258,044,000 | 1 | $ 113,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 230,000 |
| Homeowners Mortgage Enterprise 2530 DEVINE STREET COLUMBIA, SC 29205 |
* | $ 10,000,000 | 1 | $ 203,000 |
The tables below break down 2009 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 2009
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 | 34 | $2,958,000 | $87,000 | $230,000 | $45,000 | $132,000 |
| Home Purchase | 14 | $1,198,000 | $85,000 | $206,000 | $30,000 | $59,000 |
| Home Improvement | 5 | $148,000 | $29,000 | $65,000 | $52,000 | $85,000 |
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 | 34 | $2,836,000 | $83,000 | $207,000 | $47,000 | $132,000 |
| Black or African American | 9 | $463,000 | $51,000 | $75,000 | $29,000 | $60,000 |
| Not applicable | 8 | $889,000 | $111,000 | $230,000 | $33,000 | $119,000 |
| Not Provided | 1 | $68,000 | $68,000 | $68,000 | $49,000 | $49,000 |
| American Indian or Alaskan Native | 1 | $48,000 | $48,000 | $48,000 | $52,000 | $52,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 44 | $3,113,000 | $70,000 | $207,000 | $45,000 | $132,000 |
| FHA-insured (Federal Housing Administration) | 7 | $922,000 | $131,000 | $230,000 | $19,000 | $49,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $63,000 | $63,000 | $63,000 | $28,000 | $28,000 |
| VA-guaranteed (Veterans Administration) | 1 | $206,000 | $206,000 | $206,000 | $59,000 | $59,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 26 | $1,617,000 | $62,000 | $207,000 | $44,000 | $132,000 |
| Application Denied By Financial Institution | 14 | $1,037,000 | $74,000 | $182,000 | $35,000 | $77,000 |
| Loan Purchased By The Institution | 11 | $1,376,000 | $125,000 | $230,000 | $47,000 | $119,000 |
| Application Withdrawn By Applicant | 2 | $274,000 | $137,000 | $159,000 | $33,000 | $42,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $409,000 | $68,000 | $110,000 | $38,000 | $59,000 |
| Collateral | 2 | $230,000 | $115,000 | $182,000 | $59,000 | $77,000 |
| Mortgage Insurance Denied | 1 | $63,000 | $63,000 | $63,000 | $28,000 | $28,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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