Echols County, GA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 88 mortgage applications in Echols County, GA totaling $9.3 million, up 6% from 2011. The average application was for $105,000, and applicants reported an average income of $52,000. 59% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 12 applications, followed by US Bank, N.A. and Farmers and Merchants Bank.
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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 | 88 |
| Total Mortgage Loan Application Amount | $9,303,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $347,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $223,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 12 | $ 1,200,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 6 | $ 283,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 593,109,000 | 6 | $ 988,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 5 | $ 473,000 |
| Guardian Bank 701 WILDWOOD PLANTATION DR. VALDOSTA, GA 31604 |
* | $ 229,137,000 | 5 | $ 434,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 117,978,000 | 4 | $ 514,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 326,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 3 | $ 358,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ 169,286,000 | 3 | $ 454,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,192,832,000 | 3 | $ 248,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 3 | $ 151,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 123,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 507,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 182,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 106,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 416,000 |
| Commercial Banking Company 3462 NORTH VALDOSTA ROAD VALDOSTA, GA 31602 |
* | $ 199,033,000 | 2 | $ 108,000 |
| Southeastern Credit Union P.O. BOX 2067 VALDOSTA, GA 31604 |
* | $ 159,735,000 | 2 | $ 223,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 2 | $ 78,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 1 | $ 66,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 3,828,011,000 | 1 | $ 24,000 |
| Credit Union Financial Services, LLC 2476 LAWRENCEVILLE HIGHWAY SUITE 101 DECATUR, GA 30033 |
* | $ 81,511,000 | 1 | $ 108,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,196,437,000 | 1 | $ 195,000 |
| The Citizens Bank 301 S DAVIS ST NASHVILLE, GA 31639 |
* | $ 287,297,000 | 1 | $ 160,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 89,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 86,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 208,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 110,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 203,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 26,863,303,000 | 1 | $ 127,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 87,000 |
| American Enterprise Bank of Fl 10611 DEERWOOD PARK BLVD JACKSNOVILLE, FL 32256 |
* | $ 194,881,000 | 1 | $ 38,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 196,000 |
The tables below break down 2012 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 2012
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 | 55 | $7,131,000 | $129,000 | $347,000 | $57,000 | $223,000 |
| Home Purchase | 31 | $2,161,000 | $69,000 | $250,000 | $45,000 | $120,000 |
| Home Improvement | 2 | $11,000 | $5,000 | $7,000 | $39,000 | $42,000 |
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 | 73 | $6,946,000 | $95,000 | $307,000 | $56,000 | $223,000 |
| Not applicable | 6 | $1,019,000 | $169,000 | $347,000 | $13,000 | $78,000 |
| Not Provided | 3 | $596,000 | $198,000 | $282,000 | $61,000 | $99,000 |
| Black or African American | 3 | $364,000 | $121,000 | $203,000 | $30,000 | $55,000 |
| Asian | 2 | $368,000 | $184,000 | $187,000 | $47,000 | $54,000 |
| Hispanic | 1 | $10,000 | $10,000 | $10,000 | $60,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 66 | $6,869,000 | $104,000 | $347,000 | $60,000 | $223,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,774,000 | $118,000 | $244,000 | $36,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $275,000 | $68,000 | $89,000 | $37,000 | $49,000 |
| VA-guaranteed (Veterans Administration) | 3 | $385,000 | $128,000 | $203,000 | $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 | 52 | $5,412,000 | $104,000 | $347,000 | $53,000 | $223,000 |
| Application Denied By Financial Institution | 18 | $1,989,000 | $110,000 | $282,000 | $58,000 | $165,000 |
| Loan Purchased By The Institution | 6 | $685,000 | $114,000 | $173,000 | $40,000 | $91,000 |
| Application Withdrawn By Applicant | 5 | $625,000 | $125,000 | $244,000 | $63,000 | $97,000 |
| Application Approved But Not Accepted | 4 | $379,000 | $94,000 | $196,000 | $50,000 | $84,000 |
| File Closed For Incompleteness | 3 | $213,000 | $71,000 | $108,000 | $35,000 | $73,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $260,000 | $86,000 | $127,000 | $68,000 | $115,000 |
| Credit Application Incomplete | 2 | $176,000 | $88,000 | $92,000 | $64,000 | $97,000 |
| Credit History | 2 | $137,000 | $68,000 | $113,000 | $33,000 | $50,000 |
| Other | 2 | $94,000 | $47,000 | $55,000 | $41,000 | $66,000 |
| Unverifiable Information | 1 | $38,000 | $38,000 | $38,000 | $22,000 | $22,000 |
| Collateral | 1 | $196,000 | $196,000 | $196,000 | $102,000 | $102,000 |
| 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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