Wheeler County, GA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 71 mortgage applications in Wheeler County, GA totaling $6.3 million, down 38% from 2017. The average application was for $88,000, and applicants reported an average income of $56,000. 35% of applications resulted in an originated loan and 41% were denied. The most active lender was 21st Mortgage, with 21 applications, followed by Wells Fargo Bank NA 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 | 71 |
| Total Mortgage Loan Application Amount | $6,295,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $275,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $153,000 |
| 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 | 21 | $ 1,535,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 7 | $ 555,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 3 | $ 545,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 3 | $ 255,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 465,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 150,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 260,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31095 |
* | $ 2,383,369,000 | 2 | $ 110,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 2 | $ 100,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 220,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 45,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 115,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 65,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 115,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 95,000 |
| Centerstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 7,074,470,000 | 1 | $ 155,000 |
| State Bank and Trust Company 4219 FORSYTH ROAD MACON, GA 31210 |
* | $ 4,946,189,000 | 1 | $ 155,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 105,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 115,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 35,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 7,826,243,000 | 1 | $ 25,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 95,000 |
| Morris Bank 301 BELLEVUE AVENUE DUBLIN, GA 31021 |
* | $ 678,663,000 | 1 | $ 55,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 65,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 125,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 1 | $ 125,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ -1,000 | 1 | $ 135,000 |
| Magnolia State Bank 130 OAK ST EASTMAN, GA 31023 |
* | $ 169,445,000 | 1 | $ 15,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 35,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 55,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 65,000 |
The tables below break down 2018 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 2018
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 | 47 | $4,225,000 | $89,000 | $205,000 | $49,000 | $147,000 |
| Refinancing | 8 | $940,000 | $117,000 | $275,000 | $68,000 | $110,000 |
| Cash-out Refinancing | 6 | $630,000 | $105,000 | $135,000 | $72,000 | $114,000 |
| Home Improvement | 4 | $230,000 | $57,000 | $95,000 | $87,000 | $153,000 |
| Not Applicable | 4 | $210,000 | $52,000 | $65,000 | $0 | $0 |
| Other Purpose | 2 | $60,000 | $30,000 | $35,000 | $64,000 | $98,000 |
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 | 42 | $3,830,000 | $91,000 | $275,000 | $56,000 | $147,000 |
| Black or African American | 11 | $815,000 | $74,000 | $115,000 | $46,000 | $89,000 |
| Not applicable | 10 | $950,000 | $95,000 | $155,000 | $0 | $0 |
| Not Provided | 7 | $615,000 | $87,000 | $155,000 | $67,000 | $153,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $75,000 | $75,000 |
| 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) | 48 | $4,000,000 | $83,000 | $275,000 | $58,000 | $153,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,180,000 | $84,000 | $155,000 | $50,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $780,000 | $130,000 | $155,000 | $44,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 3 | $335,000 | $111,000 | $145,000 | $50,000 | $69,000 |
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 | 29 | $2,185,000 | $75,000 | $135,000 | $46,000 | $153,000 |
| Loan Originated | 25 | $2,575,000 | $103,000 | $275,000 | $63,000 | $147,000 |
| Loan Purchased By The Institution | 11 | $1,065,000 | $96,000 | $155,000 | $0 | $0 |
| Application Withdrawn By Applicant | 4 | $250,000 | $62,000 | $95,000 | $73,000 | $114,000 |
| File Closed For Incompleteness | 2 | $220,000 | $110,000 | $115,000 | $79,000 | $89,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 40 | $4,040,000 | $101,000 | $275,000 | $63,000 | $114,000 |
| Credit History | 21 | $1,655,000 | $78,000 | $135,000 | $46,000 | $87,000 |
| Debt-To-Income Ratio | 6 | $370,000 | $61,000 | $115,000 | $56,000 | $147,000 |
| Other | 2 | $120,000 | $60,000 | $95,000 | $91,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $12,000 | $12,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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