Wheeler County, GA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 77 mortgage applications in Wheeler County, GA totaling $7.0 million, up 45% from 2009. The average application was for $90,000, and applicants reported an average income of $60,000. 42% of applications resulted in an originated loan and 30% were denied. The most active lender was Montgomery Bank & Trust, with 9 applications, followed by 21st Mortgage 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 | 77 |
| Total Mortgage Loan Application Amount | $6,999,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $246,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $365,000 |
| 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 |
* | $ 245,176,000 | 9 | $ 493,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 8 | $ 422,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 7 | $ 629,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ 10,000,000 | 5 | $ 438,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 5 | $ 406,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 265,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 483,916,000 | 3 | $ 461,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 400,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 3 | $ 323,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 374,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 2 | $ 335,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 158,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 568,766,000 | 2 | $ 391,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 461,082,000 | 2 | $ 180,000 |
| Citizens Bank & Trust Company 5101 5TH AVE EASTMAN, GA 31023 |
* | $ 178,930,000 | 2 | $ 55,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 231,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 128,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 69,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 32,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 1,304,156,000 | 1 | $ 185,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,304,549,000 | 1 | $ 42,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,688,005,000 | 1 | $ 36,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 228,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 70,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 89,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 226,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 79,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 72,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 1 | $ 83,000 |
The tables below break down 2010 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 2010
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 | 44 | $4,997,000 | $113,000 | $246,000 | $76,000 | $365,000 |
| Home Purchase | 28 | $1,847,000 | $65,000 | $99,000 | $32,000 | $57,000 |
| Home Improvement | 5 | $155,000 | $31,000 | $76,000 | $62,000 | $111,000 |
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 | 57 | $5,578,000 | $97,000 | $246,000 | $63,000 | $365,000 |
| Black or African American | 14 | $728,000 | $52,000 | $99,000 | $52,000 | $156,000 |
| Not applicable | 3 | $461,000 | $153,000 | $237,000 | $0 | $0 |
| Not Provided | 3 | $232,000 | $77,000 | $130,000 | $88,000 | $120,000 |
| 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) | 52 | $4,681,000 | $90,000 | $246,000 | $68,000 | $365,000 |
| FHA-insured (Federal Housing Administration) | 20 | $1,902,000 | $95,000 | $226,000 | $41,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $347,000 | $86,000 | $97,000 | $30,000 | $49,000 |
| VA-guaranteed (Veterans Administration) | 1 | $69,000 | $69,000 | $69,000 | $88,000 | $88,000 |
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 | 32 | $2,713,000 | $84,000 | $246,000 | $79,000 | $365,000 |
| Application Denied By Financial Institution | 23 | $1,783,000 | $77,000 | $241,000 | $44,000 | $225,000 |
| Loan Purchased By The Institution | 10 | $1,491,000 | $149,000 | $237,000 | $44,000 | $123,000 |
| Application Withdrawn By Applicant | 7 | $662,000 | $94,000 | $226,000 | $65,000 | $120,000 |
| Application Approved But Not Accepted | 4 | $267,000 | $66,000 | $89,000 | $33,000 | $36,000 |
| File Closed For Incompleteness | 1 | $83,000 | $83,000 | $83,000 | $30,000 | $30,000 |
| 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 | 11 | $868,000 | $78,000 | $241,000 | $61,000 | $225,000 |
| Debt-To-Income Ratio | 4 | $180,000 | $45,000 | $78,000 | $28,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $97,000 | $97,000 | $97,000 | $12,000 | $12,000 |
| Other | 1 | $69,000 | $69,000 | $69,000 | $45,000 | $45,000 |
| Unverifiable Information | 1 | $84,000 | $84,000 | $84,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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