Wheeler County, GA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 90 mortgage applications in Wheeler County, GA totaling $11.4 million, up 34% from 2023. The average application was for $126,000, and applicants reported an average income of $71,000. 40% of applications resulted in an originated loan and 38% were denied. The most active lender was 21st Mortgage, with 19 applications, followed by Robins Financial Credit Union 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 | 90 |
| Total Mortgage Loan Application Amount | $11,380,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $495,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $283,000 |
| 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 |
* | $ n/a | 19 | $ 2,285,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31095 |
* | $ n/a | 8 | $ 610,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 7 | $ 865,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 450,000 |
| Interstate Credit Union 705 WEST CHERRY STREET JESUP, GA 31545 |
* | $ n/a | 3 | $ 125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 565,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 50,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 150,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 2 | $ 190,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ n/a | 2 | $ 320,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 70,000 |
| Bank of Dudley 200 W JACKSON ST DUBLIN, GA 31021 |
* | $ n/a | 2 | $ 120,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 260,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 680,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 115,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 105,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 1 | $ 145,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ n/a | 1 | $ 185,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 125,000 |
| Pineland Bank 501 W. 12TH STREET, P. O. BOX 1988 ALMA, GA 31510 |
* | $ n/a | 1 | $ 65,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 375,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 95,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 45,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 125,000 |
| Great Oaks Bank 5101 5TH AVE EASTMAN, GA 31023 |
* | $ n/a | 1 | $ 25,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 75,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 375,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 25,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 355,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 295,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 125,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 315,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ n/a | 1 | $ 175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2024 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 2024
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 | 50 | $7,480,000 | $149,000 | $495,000 | $66,000 | $152,000 |
| Cash-out Refinancing | 13 | $1,615,000 | $124,000 | $225,000 | $71,000 | $112,000 |
| Home Improvement | 13 | $855,000 | $65,000 | $275,000 | $61,000 | $151,000 |
| Refinancing | 11 | $1,355,000 | $123,000 | $355,000 | $105,000 | $283,000 |
| Other Purpose | 3 | $75,000 | $25,000 | $25,000 | $69,000 | $88,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 63 | $7,575,000 | $120,000 | $375,000 | $73,000 | $283,000 |
| Black or African American | 15 | $2,055,000 | $137,000 | $495,000 | $61,000 | $105,000 |
| Not Provided | 7 | $695,000 | $99,000 | $295,000 | $72,000 | $112,000 |
| Hispanic | 3 | $505,000 | $168,000 | $315,000 | $89,000 | $138,000 |
| Not applicable | 2 | $550,000 | $275,000 | $375,000 | $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) | 72 | $7,960,000 | $110,000 | $495,000 | $69,000 | $283,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,815,000 | $165,000 | $375,000 | $68,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,605,000 | $229,000 | $315,000 | $96,000 | $141,000 |
| 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 | $5,630,000 | $156,000 | $495,000 | $88,000 | $283,000 |
| Application Denied By Financial Institution | 34 | $3,650,000 | $107,000 | $185,000 | $56,000 | $152,000 |
| Application Withdrawn By Applicant | 6 | $410,000 | $68,000 | $105,000 | $61,000 | $112,000 |
| File Closed For Incompleteness | 6 | $620,000 | $103,000 | $155,000 | $72,000 | $104,000 |
| Application Approved But Not Accepted | 6 | $520,000 | $86,000 | $145,000 | $64,000 | $97,000 |
| Loan Purchased By The Institution | 2 | $550,000 | $275,000 | $375,000 | $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 | 52 | $7,520,000 | $144,000 | $495,000 | $77,000 | $263,000 |
| Credit History | 22 | $2,450,000 | $111,000 | $185,000 | $58,000 | $152,000 |
| Debt-To-Income Ratio | 8 | $660,000 | $82,000 | $155,000 | $89,000 | $283,000 |
| Credit Application Incomplete | 4 | $230,000 | $57,000 | $105,000 | $48,000 | $81,000 |
| Collateral | 1 | $185,000 | $185,000 | $185,000 | $80,000 | $80,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $82,000 | $82,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $58,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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