Echols County, GA Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 120 mortgage applications in Echols County, GA totaling $7.7 million, down 14% from 2004. The average application was for $63,000, and applicants reported an average income of $36,000. 48% of applications resulted in an originated loan and 26% were denied. The most active lender was The Park Avenue Bank, with 10 applications, followed by Citifinancial Services, Inc. and First St Bk & Tst of Valdosta.
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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 | 120 |
| Total Mortgage Loan Application Amount | $7,679,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $270,000 |
| Average Applicant Income | $36,000 |
| Highest Applicant Income | $104,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The Park Avenue Bank 3250 N. VALDOSTA RD. VALDOSTA, GA 31604 |
* | $ 867,662,000 | 10 | $ 432,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 9 | $ 458,000 |
| First St Bk & Tst of Valdosta PO BOX 4810 VALDOSTA, GA 31604 |
* | $ 385,750,000 | 8 | $ 127,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 6 | $ 247,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 5 | $ 340,000 |
| First Federal S&L Assn. P. O. BOX 888 VALDOSTA, GA 31603 |
* | $ 151,118,000 | 5 | $ 349,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 5 | $ 279,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 5 | $ 474,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 196,406,000 | 5 | $ 550,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 4 | $ 123,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 4 | $ 295,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 3 | $ 614,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 3 | $ 147,000 |
| Colony Bank Quitman, FSB P. O. BOX 592 QUITMAN, GA 31643 |
* | $ 109,000,000 | 3 | $ 234,000 |
| Guardian Bank 701 WILDWOOD PLANTATION DR. VALDOSTA, GA 31604 |
* | $ 94,558,000 | 3 | $ 93,000 |
| Heritage Comnity Bk dba Ameris 1000 W. SCREVEN STREET QUITMAN, GA 31643 |
* | $ 97,139,000 | 3 | $ 115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 128,000 |
| Commercial Banking Company PO BOX 100 VALDOSTA, GA 31603 |
* | $ 125,825,000 | 2 | $ 10,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 2 | $ 127,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 273,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 49,210,377,000 | 1 | $ 35,000 |
| Southeastern Credit Union P.O. BOX 2067 VALDOSTA, GA 31604 |
* | $ 66,242,000 | 1 | $ 60,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 60,000 |
| The Citizens National Bank of Quitman 100 EAST STEVENS STREET QUITMAN, GA 31643 |
* | $ 85,587,000 | 1 | $ 130,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 82,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 1 | $ 88,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 1 | $ 49,000 |
| Wells Fargo Fin'l Georgia, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 402,260,000 | 1 | $ 10,000 |
| Wells Fargo Fin'l Sys Florida 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 606,338,000 | 1 | $ 75,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 59,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 68,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 2,412,603,000 | 1 | $ 59,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 1 | $ 53,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 54,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 88,713,000 | 1 | $ 4,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 74,479,112,000 | 1 | $ 119,000 |
| Bsm Financial, L.P. 1301 CENTRAL EXPRESSWAY SOUTH ALLEN, TX 75013 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 132,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Market Street Mortgage Corp 2650 MCCORMICK DR, SUITE 200 CLEARWATER, FL 33759 |
* | $ 335,650,000 | 1 | $ 73,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 1 | $ 53,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 70,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 1 | $ 89,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 250,544,000 | 1 | $ 10,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 193,000 |
| Firstcitybank 831 FAIRWAYS COURT STOCKBRIDGE, GA 31802 |
* | $ 108,900,000 | 1 | $ 179,000 |
| Colony Mortgage Corp 614 N. WESTOVER BLVD ALBANY, GA 31707 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 15,000 |
The tables below break down 2005 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 2005
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 | 65 | $4,888,000 | $75,000 | $270,000 | $36,000 | $102,000 |
| Home Purchase | 35 | $2,204,000 | $62,000 | $179,000 | $34,000 | $80,000 |
| Home Improvement | 20 | $587,000 | $29,000 | $193,000 | $40,000 | $104,000 |
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 | 88 | $5,524,000 | $62,000 | $270,000 | $39,000 | $104,000 |
| Not Provided | 11 | $753,000 | $68,000 | $116,000 | $43,000 | $76,000 |
| Not applicable | 7 | $431,000 | $61,000 | $132,000 | $0 | $0 |
| Hispanic | 6 | $374,000 | $62,000 | $200,000 | $28,000 | $72,000 |
| Black or African American | 5 | $476,000 | $95,000 | $193,000 | $25,000 | $50,000 |
| American Indian or Alaskan Native | 2 | $78,000 | $39,000 | $68,000 | $27,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $43,000 | $43,000 | $43,000 | $18,000 | $18,000 |
| 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) | 110 | $6,980,000 | $63,000 | $270,000 | $37,000 | $104,000 |
| FHA-insured (Federal Housing Administration) | 10 | $699,000 | $69,000 | $119,000 | $25,000 | $52,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | $3,643,000 | $63,000 | $270,000 | $44,000 | $104,000 |
| Application Denied By Financial Institution | 31 | $1,664,000 | $53,000 | $176,000 | $28,000 | $76,000 |
| Application Approved But Not Accepted | 12 | $637,000 | $53,000 | $104,000 | $34,000 | $75,000 |
| Application Withdrawn By Applicant | 8 | $847,000 | $105,000 | $200,000 | $39,000 | $72,000 |
| Loan Purchased By The Institution | 8 | $490,000 | $61,000 | $132,000 | $5,000 | $22,000 |
| File Closed For Incompleteness | 4 | $398,000 | $99,000 | $116,000 | $45,000 | $60,000 |
| 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 | 12 | $759,000 | $63,000 | $130,000 | $32,000 | $76,000 |
| Debt-To-Income Ratio | 1 | $4,000 | $4,000 | $4,000 | $6,000 | $6,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $28,000 | $28,000 |
| Other | 1 | $70,000 | $70,000 | $70,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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