Echols County, GA Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 139 mortgage applications in Echols County, GA totaling $9.6 million, up 35% from 2003. The average application was for $69,000, and applicants reported an average income of $45,000. 41% of applications resulted in an originated loan and 16% were denied. The most active lender was JPMorgan Chase Bank, NA, with 13 applications, followed by The Park Avenue Bank and Bank of America, N.A..
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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 | 139 |
| Total Mortgage Loan Application Amount | $9,635,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $216,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $300,000 |
* 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 |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 13 | $ 484,000 |
| The Park Avenue Bank 3250 N. VALDOSTA RD. VALDOSTA, GA 31604 |
* | $ 728,607,000 | 9 | $ 413,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 7 | $ 475,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 7 | $ 217,000 |
| First St Bk & Tst of Valdosta PO BOX 4810 VALDOSTA, GA 31604 |
* | $ 338,013,000 | 7 | $ 86,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 6 | $ 467,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 6 | $ 545,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 6 | $ 547,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 5 | $ 332,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 5 | $ 418,000 |
| First Federal S&L Assn. P. O. BOX 888 VALDOSTA, GA 31603 |
* | $ 154,604,000 | 4 | $ 251,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 178,844,000 | 4 | $ 492,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 4 | $ 453,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 526,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 116,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 163,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 211,000 |
| Heritage Comnity Bk dba Ameris 1000 W. SCREVEN STREET QUITMAN, GA 31643 |
* | $ 90,665,000 | 3 | $ 58,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 105,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 152,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 2 | $ 366,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 2 | $ 324,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 2 | $ 98,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 2 | $ 172,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 2 | $ 293,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 1 | $ 46,000 |
| The Citizens Bank 301 S DAVIS ST NASHVILLE, GA 31639 |
* | $ 106,401,000 | 1 | $ 9,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 54,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 1 | $ 47,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 1 | $ 107,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 1 | $ 35,000 |
| Cnb National Bank 151 CORLEY MILL ROAD LEXINGTON, SC 29072 |
* | $ 818,968,000 | 1 | $ 50,000 |
| Commercial Banking Company PO BOX 100 VALDOSTA, GA 31603 |
* | $ 113,057,000 | 1 | $ 128,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 49,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 1 | $ 123,000 |
| Firstcity Mortgage, Inc. 445 ATLANTA SOUTH PARKWAY #105 ATLANTA, GA 30349 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Georgetown Mortgage Inc. 10 GLENLAKE PKWY SOUTH TOWER STE 950 ATLANTA, GA 30328 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 29,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Southeastern Credit Union P.O. BOX 2067 VALDOSTA, GA 31604 |
* | $ 63,391,000 | 1 | $ 47,000 |
| Southern Pine Credit Union P O BOX 1048 VALDOSTA, GA 31603 |
* | $ 35,347,000 | 1 | $ 70,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 1 | $ 63,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 282,755,000 | 1 | $ 15,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 40,000 |
The tables below break down 2004 mortgage applications in Echols 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 Echols County, GA in 2004
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 | 77 | $6,250,000 | $81,000 | $216,000 | $44,000 | $300,000 |
| Home Purchase | 45 | $2,924,000 | $64,000 | $163,000 | $44,000 | $175,000 |
| Home Improvement | 17 | $461,000 | $27,000 | $82,000 | $48,000 | $80,000 |
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 | 92 | $6,703,000 | $72,000 | $216,000 | $50,000 | $300,000 |
| Not applicable | 20 | $1,141,000 | $57,000 | $127,000 | $0 | $0 |
| Not Provided | 11 | $874,000 | $79,000 | $170,000 | $39,000 | $70,000 |
| Hispanic | 8 | $476,000 | $59,000 | $104,000 | $33,000 | $61,000 |
| Black or African American | 7 | $369,000 | $52,000 | $98,000 | $47,000 | $69,000 |
| American Indian or Alaskan Native | 1 | $72,000 | $72,000 | $72,000 | $36,000 | $36,000 |
| Asian | 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) | 126 | $8,389,000 | $66,000 | $216,000 | $46,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,124,000 | $102,000 | $155,000 | $44,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 2 | $122,000 | $61,000 | $62,000 | $0 | $0 |
| 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 | 57 | $4,018,000 | $70,000 | $216,000 | $49,000 | $300,000 |
| Loan Purchased By The Institution | 22 | $1,354,000 | $61,000 | $159,000 | $6,000 | $45,000 |
| Application Denied By Financial Institution | 22 | $1,473,000 | $66,000 | $175,000 | $44,000 | $150,000 |
| Application Withdrawn By Applicant | 19 | $1,473,000 | $77,000 | $170,000 | $50,000 | $175,000 |
| Application Approved But Not Accepted | 13 | $763,000 | $58,000 | $138,000 | $47,000 | $116,000 |
| File Closed For Incompleteness | 6 | $554,000 | $92,000 | $165,000 | $46,000 | $83,000 |
| 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 | 5 | $561,000 | $112,000 | $163,000 | $57,000 | $150,000 |
| Debt-To-Income Ratio | 2 | $105,000 | $52,000 | $70,000 | $26,000 | $30,000 |
| Other | 2 | $121,000 | $60,000 | $98,000 | $64,000 | $69,000 |
| Unverifiable Information | 2 | $141,000 | $70,000 | $81,000 | $6,000 | $12,000 |
| Collateral | 1 | $40,000 | $40,000 | $40,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 1 | $58,000 | $58,000 | $58,000 | $44,000 | $44,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $32,000 | $32,000 |
| 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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