Echols County, GA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 70 mortgage applications in Echols County, GA totaling $6.2 million, down 10% from 2015. The average application was for $88,000, and applicants reported an average income of $53,000. 41% of applications resulted in an originated loan and 37% were denied. The most active lender was 21st Mortgage, with 6 applications, followed by Vanderbilt Mortgage and Finance, Inc and Clayton Bank and Trust.
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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 | 70 |
| Total Mortgage Loan Application Amount | $6,176,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $219,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $471,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 481,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 6 | $ 400,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 5 | $ 318,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 5 | $ 574,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 531,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 293,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ 163,640,000 | 3 | $ 372,000 |
| Guardian Bank 701 WILDWOOD PLANTATION DR. VALDOSTA, GA 31604 |
* | $ 288,168,000 | 3 | $ 57,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 371,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 542,501,000 | 3 | $ 306,000 |
| Southern Pine Credit Union P O BOX 1048 VALDOSTA, GA 31603 |
* | $ 44,105,000 | 3 | $ 439,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,172,145,000 | 2 | $ 39,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 28,529,226,000 | 2 | $ 97,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 9,870,373,000 | 2 | $ 164,000 |
| Commercial Banking Company 3462 NORTH VALDOSTA ROAD VALDOSTA, GA 31602 |
* | $ 227,191,000 | 1 | $ 106,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 46,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 67,000 |
| Southeastern Credit Union PO BOX 2067 VALDOSTA, GA 31604 VALDOSTA, GA 31602 |
* | $ 228,784,000 | 1 | $ 97,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 5,592,561,000 | 1 | $ 55,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 64,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 124,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 10,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 45,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 180,082,000 | 1 | $ 97,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 130,772,000 | 1 | $ 24,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 1 | $ 147,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,560,707,000 | 1 | $ 23,000 |
The tables below break down 2016 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 2016
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 39 | $2,886,000 | $74,000 | $207,000 | $44,000 | $175,000 |
| Refinancing | 28 | $3,116,000 | $111,000 | $219,000 | $68,000 | $471,000 |
| Home Improvement | 3 | $174,000 | $58,000 | $160,000 | $32,000 | $41,000 |
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 | 53 | $4,714,000 | $88,000 | $219,000 | $55,000 | $471,000 |
| Hispanic | 6 | $321,000 | $53,000 | $101,000 | $45,000 | $109,000 |
| Not Provided | 5 | $735,000 | $147,000 | $192,000 | $60,000 | $79,000 |
| American Indian or Alaskan Native | 3 | $115,000 | $38,000 | $45,000 | $35,000 | $58,000 |
| Not applicable | 2 | $211,000 | $105,000 | $144,000 | $0 | $0 |
| Black or African American | 1 | $80,000 | $80,000 | $80,000 | $118,000 | $118,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 59 | $5,297,000 | $89,000 | $219,000 | $58,000 | $471,000 |
| FHA-insured (Federal Housing Administration) | 5 | $409,000 | $81,000 | $110,000 | $48,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $388,000 | $97,000 | $144,000 | $19,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 2 | $82,000 | $41,000 | $41,000 | $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 | 29 | $2,820,000 | $97,000 | $219,000 | $74,000 | $471,000 |
| Application Denied By Financial Institution | 26 | $1,957,000 | $75,000 | $185,000 | $39,000 | $101,000 |
| Application Withdrawn By Applicant | 4 | $486,000 | $121,000 | $160,000 | $34,000 | $54,000 |
| File Closed For Incompleteness | 4 | $360,000 | $90,000 | $159,000 | $53,000 | $75,000 |
| Application Approved But Not Accepted | 4 | $232,000 | $58,000 | $68,000 | $40,000 | $51,000 |
| Loan Purchased By The Institution | 3 | $321,000 | $107,000 | $144,000 | $11,000 | $35,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $295,000 | $147,000 | $185,000 | $34,000 | $35,000 |
| Credit History | 1 | $10,000 | $10,000 | $10,000 | $41,000 | $41,000 |
| Debt-To-Income Ratio | 1 | $4,000 | $4,000 | $4,000 | $19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $79,000 | $79,000 | $79,000 | $101,000 | $101,000 |
| Other | 1 | $106,000 | $106,000 | $106,000 | $54,000 | $54,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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