Wheeler County, GA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 57 mortgage applications in Wheeler County, GA totaling $4.7 million, down 20% from 2018. The average application was for $81,000, and applicants reported an average income of $59,000. 35% of applications resulted in an originated loan and 39% were denied. The most active lender was 21st Mortgage, with 13 applications, followed by Robins Financial Credit Union and Vanderbilt Mortgage and Finance, Inc.
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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 | 57 |
| Total Mortgage Loan Application Amount | $4,655,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $194,000 |
| 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 | 13 | $ 1,105,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31095 |
* | $ 2,509,837,000 | 5 | $ 215,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 370,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 3 | $ 235,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 305,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 2 | $ 280,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 280,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 11,357,345,000 | 2 | $ 70,000 |
| Morris Bank 301 BELLEVUE AVENUE DUBLIN, GA 31021 |
* | $ 749,629,000 | 2 | $ 110,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 14,673,422,000 | 2 | $ 50,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 2 | $ 90,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 145,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 165,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 35,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 205,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 25,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,249,790,000 | 1 | $ 55,000 |
| Magnolia State Bank 130 OAK ST EASTMAN, GA 31023 |
* | $ 169,949,000 | 1 | $ 5,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 125,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 85,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 145,000 |
The tables below break down 2019 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 2019
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 | 30 | $2,340,000 | $78,000 | $125,000 | $50,000 | $82,000 |
| Refinancing | 11 | $995,000 | $90,000 | $165,000 | $66,000 | $152,000 |
| Cash-out Refinancing | 7 | $825,000 | $117,000 | $205,000 | $59,000 | $135,000 |
| Other Purpose | 5 | $365,000 | $73,000 | $145,000 | $98,000 | $194,000 |
| Home Improvement | 3 | $95,000 | $31,000 | $45,000 | $60,000 | $108,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 |
|---|---|---|---|---|---|---|
| White | 31 | $2,675,000 | $86,000 | $175,000 | $63,000 | $194,000 |
| Black or African American | 15 | $1,025,000 | $68,000 | $125,000 | $41,000 | $64,000 |
| Not Provided | 7 | $625,000 | $89,000 | $205,000 | $82,000 | $135,000 |
| Not applicable | 3 | $255,000 | $85,000 | $145,000 | $0 | $0 |
| Hispanic | 1 | $75,000 | $75,000 | $75,000 | $39,000 | $39,000 |
| 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) | 41 | $3,365,000 | $82,000 | $205,000 | $63,000 | $194,000 |
| FHA-insured (Federal Housing Administration) | 13 | $845,000 | $65,000 | $115,000 | $46,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 3 | $445,000 | $148,000 | $155,000 | $50,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 22 | $1,700,000 | $77,000 | $175,000 | $42,000 | $74,000 |
| Loan Originated | 20 | $1,540,000 | $77,000 | $155,000 | $75,000 | $194,000 |
| File Closed For Incompleteness | 8 | $680,000 | $85,000 | $125,000 | $58,000 | $69,000 |
| Application Withdrawn By Applicant | 4 | $460,000 | $115,000 | $205,000 | $78,000 | $135,000 |
| Loan Purchased By The Institution | 2 | $180,000 | $90,000 | $145,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $95,000 | $95,000 | $95,000 | $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 | 32 | $2,840,000 | $88,000 | $205,000 | $69,000 | $194,000 |
| Credit History | 12 | $920,000 | $76,000 | $175,000 | $46,000 | $72,000 |
| Debt-To-Income Ratio | 8 | $510,000 | $63,000 | $95,000 | $48,000 | $152,000 |
| Other | 2 | $220,000 | $110,000 | $165,000 | $53,000 | $74,000 |
| Collateral | 2 | $70,000 | $35,000 | $45,000 | $36,000 | $48,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Unverifiable Information | 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 |
| 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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