Wilcox County, GA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 179 mortgage applications in Wilcox County, GA totaling $11.3 million, down 17% from 2013. The average application was for $63,000, and applicants reported an average income of $52,000. 50% of applications resulted in an originated loan and 31% were denied. The most active lender was Colony Bank, with 69 applications, followed by Planters First Bank and 21st Mortgage.
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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 | 179 |
| Total Mortgage Loan Application Amount | $11,347,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $277,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $165,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,145,328,000 | 69 | $ 3,395,000 |
| Planters First Bank 1620 E 16TH AVE CORDELE, GA 31015 |
* | $ 277,559,000 | 14 | $ 401,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 11 | $ 598,000 |
| State Bank and Trust Company 4219 FORSYTH ROAD MACON, GA 31210 |
* | $ 2,604,326,000 | 8 | $ 38,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,733,100,000 | 7 | $ 712,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 5 | $ 771,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 4 | $ 36,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 304,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 234,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 3 | $ 349,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 102,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 2 | $ 83,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 144,156,000 | 2 | $ 209,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 112,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 117,000 |
| Mainstreet Community Bank of Florida 204 S. WOODLAND BLVD DELAND, FL 32720 |
* | $ 237,330,000 | 2 | $ 311,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 315,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 2 | $ 218,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 86,000 |
| Citizens Bank & Trust Company 5101 5TH AVE EASTMAN, GA 31023 |
* | $ 130,376,000 | 1 | $ 33,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 93,000 |
| First Atlantic Federal Credit Union 468 INDUSTRIAL WAY WEST EATONTOWN, NJ 07724 |
* | $ 219,522,000 | 1 | $ 30,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 25,878,030,000 | 1 | $ 56,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 186,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 187,000 |
| Southeastern Credit Union P.O. BOX 2067 VALDOSTA, GA 31604 |
* | $ 189,166,000 | 1 | $ 29,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 206,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 1 | $ 65,000 |
| Mb Financial Bank NA 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,624,027,000 | 1 | $ 36,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 1,376,686,000 | 1 | $ 102,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 1,833,217,000 | 1 | $ 20,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 88,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 3,664,330,000 | 1 | $ 45,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 132,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 86,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 87,000 |
| Atlantic Coast Bank 505 HAINES AVE WAYCROSS, GA 31501 |
* | $ 735,405,000 | 1 | $ 5,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 146,000 |
The tables below break down 2014 mortgage applications in Wilcox 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 Wilcox County, GA in 2014
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 | 105 | $7,006,000 | $66,000 | $211,000 | $50,000 | $120,000 |
| Home Purchase | 48 | $3,864,000 | $80,000 | $277,000 | $51,000 | $109,000 |
| Home Improvement | 26 | $477,000 | $18,000 | $93,000 | $60,000 | $165,000 |
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 | 128 | $8,401,000 | $65,000 | $277,000 | $58,000 | $165,000 |
| Black or African American | 32 | $1,434,000 | $44,000 | $134,000 | $36,000 | $70,000 |
| Not Provided | 10 | $789,000 | $78,000 | $187,000 | $49,000 | $101,000 |
| Not applicable | 6 | $606,000 | $101,000 | $187,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $117,000 | $39,000 | $56,000 | $39,000 | $55,000 |
| 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) | 154 | $8,904,000 | $57,000 | $277,000 | $52,000 | $165,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,405,000 | $108,000 | $200,000 | $49,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 9 | $824,000 | $91,000 | $206,000 | $51,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $214,000 | $71,000 | $87,000 | $23,000 | $40,000 |
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 | 89 | $5,521,000 | $62,000 | $277,000 | $56,000 | $125,000 |
| Application Denied By Financial Institution | 55 | $2,978,000 | $54,000 | $195,000 | $46,000 | $165,000 |
| Application Approved But Not Accepted | 14 | $656,000 | $46,000 | $115,000 | $54,000 | $85,000 |
| Loan Purchased By The Institution | 9 | $1,118,000 | $124,000 | $200,000 | $33,000 | $108,000 |
| Application Withdrawn By Applicant | 8 | $637,000 | $79,000 | $132,000 | $68,000 | $94,000 |
| File Closed For Incompleteness | 4 | $437,000 | $109,000 | $206,000 | $48,000 | $76,000 |
| 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 | 4 | $164,000 | $41,000 | $65,000 | $34,000 | $56,000 |
| Collateral | 4 | $289,000 | $72,000 | $186,000 | $56,000 | $72,000 |
| Debt-To-Income Ratio | 3 | $174,000 | $58,000 | $93,000 | $38,000 | $44,000 |
| Unverifiable Information | 2 | $161,000 | $80,000 | $152,000 | $70,000 | $107,000 |
| Other | 1 | $46,000 | $46,000 | $46,000 | $82,000 | $82,000 |
| Credit Application Incomplete | 1 | $56,000 | $56,000 | $56,000 | $24,000 | $24,000 |
| Employment History | 1 | $80,000 | $80,000 | $80,000 | $78,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $103,000 | $103,000 | $103,000 | $119,000 | $119,000 |
| 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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