Wilkes County, GA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 275 mortgage applications in Wilkes County, GA totaling $36.2 million, down 27% from 2007. The average application was for $131,000, and applicants reported an average income of $70,000. 28% of applications resulted in an originated loan and 35% were denied. The most active lender was Beneficial Company LLC, with 41 applications, followed by Regions Bank and Countrywide Bank FSB.
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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 | 275 |
| Total Mortgage Loan Application Amount | $36,165,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $1,313,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $621,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 41 | $ 4,078,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 38 | $ 3,385,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 18 | $ 2,793,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 938,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 10 | $ 1,600,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 9 | $ 2,354,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 9 | $ 92,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 8 | $ 1,083,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 296,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 7 | $ 1,375,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 2,138,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 817,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 717,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 5 | $ 590,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 4 | $ 648,000 |
| The Peoples Bank POST OFFICE BOX 788 WINDER, GA 30680 |
* | $ 433,558,000 | 4 | $ 263,000 |
| Queensborough National Bank and Trust 3617 WALTON WAY EXT. LOUISVILLE, GA 30434 |
* | $ 776,519,000 | 4 | $ 420,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 4 | $ 284,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 175,107,526,000 | 3 | $ 13,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 3 | $ 475,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 5,935,186,000 | 3 | $ 205,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 653,269,000,000 | 3 | $ 440,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 3 | $ 409,000 |
| The Commercial Bank 102 N. CHURCH STREET CRAWFORD, GA 30630 |
* | $ 91,201,000 | 3 | $ 170,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 2 | $ 225,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,056,158,000 | 2 | $ 232,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 578,581,000 | 2 | $ 1,901,000 |
| Wells Fargo Fin'l Georgia, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 558,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 297,000 |
| Ame Financial Corporation 6455 SHILOH RD STE D ALPHARETTA, GA 30005 |
* | $ 21,903,000 | 2 | $ 484,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 264,000 |
| The Park Avenue Bank 3250 N. VALDOSTA RD. VALDOSTA, GA 31604 |
* | $ 1,197,606,000 | 2 | $ 99,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 73,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 120,000 |
| First Choice Mortgage, Inc. 217 DAVIS RD AUGUSTA, GA 30907 |
* | $ 482,438,000 | 1 | $ 94,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 120,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 270,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 105,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 91,000 |
| Bergin Financial, Inc. 29200 NORTHWESTER HIGHWAY, SUITE 350 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 25,000 |
| Southern Highlands Mortgage, L 215 BLUE RIDGE ST. SUITE A BLAIRSVILLE, GA 30512 |
* | $ 10,000,000 | 1 | $ 222,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 42,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 1 | $ 85,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 978,554,000 | 1 | $ 162,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 1 | $ 179,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 50,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 61,000 |
| Mid-Atlantic Financial Service 200 GALLERIA PARKWAY SUITE 1300 ATLANTA, GA 30008 |
* | $ 10,000,000 | 1 | $ 68,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 129,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 1,170,000 |
| Allen Mortgage, LLC P.O. BOX 1168 CENTENNIAL PARK, AZ 86021 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 104,000 |
| Main Street Home Loans LLC 4010 OLD MILTON PARKWAY ALPHARETTA, GA 30005 |
* | $ 11,000,000 | 1 | $ 252,000 |
| First Georgia Banking Company 100 TOM REEVE DRIVE (PO BOX 2578) CARRLLTON, GA 30117 |
* | $ 684,490,000 | 1 | $ 423,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 1,538,411,000 | 1 | $ 67,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 14,762,983,000 | 1 | $ 149,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 447,852,000 | 1 | $ 7,000 |
| North Georgia Bank 7911 MACON HIGHWAY WATKINSVILLE, GA 30677 |
* | $ 158,581,000 | 1 | $ 137,000 |
| Lge Community Credit Union 430 COMMERCE PARK DRIVE MARIETTA, GA 30060 |
* | $ 569,768,000 | 1 | $ 79,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 150,508,000 | 1 | $ 65,000 |
| Augusta Metro Federal Credit U 205 DAVIS RD AUGUSTA, GA 30907 |
* | $ 52,642,000 | 1 | $ 36,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 10,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 1 | $ 52,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 250,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 70,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 145,000 |
| Talbot State Bank 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 88,187,000 | 1 | $ 30,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 143,000 |
The tables below break down 2008 mortgage applications in Wilkes 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 Wilkes County, GA in 2008
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 | 200 | $29,422,000 | $147,000 | $1,313,000 | $74,000 | $621,000 |
| Home Purchase | 41 | $5,431,000 | $132,000 | $417,000 | $58,000 | $167,000 |
| Home Improvement | 34 | $1,312,000 | $38,000 | $270,000 | $60,000 | $155,000 |
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 | 151 | $24,651,000 | $163,000 | $1,313,000 | $86,000 | $621,000 |
| Black or African American | 71 | $5,088,000 | $71,000 | $270,000 | $43,000 | $106,000 |
| Not Provided | 36 | $3,997,000 | $111,000 | $503,000 | $73,000 | $327,000 |
| Not applicable | 12 | $1,762,000 | $146,000 | $350,000 | $14,000 | $83,000 |
| Hispanic | 4 | $541,000 | $135,000 | $222,000 | $60,000 | $78,000 |
| Asian | 1 | $126,000 | $126,000 | $126,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 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) | 213 | $29,525,000 | $138,000 | $1,313,000 | $77,000 | $621,000 |
| FHA-insured (Federal Housing Administration) | 58 | $6,327,000 | $109,000 | $224,000 | $42,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $158,000 | $52,000 | $59,000 | $33,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 1 | $155,000 | $155,000 | $155,000 | $115,000 | $115,000 |
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 | 95 | $11,641,000 | $122,000 | $1,170,000 | $62,000 | $547,000 |
| Loan Originated | 78 | $12,209,000 | $156,000 | $1,313,000 | $90,000 | $604,000 |
| Application Withdrawn By Applicant | 39 | $4,870,000 | $124,000 | $1,170,000 | $59,000 | $621,000 |
| Loan Purchased By The Institution | 26 | $3,533,000 | $135,000 | $350,000 | $35,000 | $114,000 |
| Application Approved But Not Accepted | 23 | $2,190,000 | $95,000 | $380,000 | $78,000 | $560,000 |
| File Closed For Incompleteness | 13 | $1,602,000 | $123,000 | $503,000 | $83,000 | $327,000 |
| Preapproval Denied by Financial Institution | 1 | $120,000 | $120,000 | $120,000 | $64,000 | $64,000 |
| Preapproval Approved but not Accepted | 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 | 13 | $1,143,000 | $87,000 | $394,000 | $66,000 | $204,000 |
| Debt-To-Income Ratio | 7 | $839,000 | $119,000 | $224,000 | $52,000 | $140,000 |
| Collateral | 5 | $1,776,000 | $355,000 | $1,170,000 | $169,000 | $547,000 |
| Credit Application Incomplete | 5 | $697,000 | $139,000 | $212,000 | $63,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $780,000 | $260,000 | $417,000 | $92,000 | $150,000 |
| Other | 3 | $339,000 | $113,000 | $209,000 | $67,000 | $77,000 |
| Unverifiable Information | 2 | $518,000 | $259,000 | $417,000 | $102,000 | $167,000 |
| 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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