Echols County, GA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 67 mortgage applications in Echols County, GA totaling $6.7 million, down 4% from 2016. The average application was for $100,000, and applicants reported an average income of $52,000. 34% of applications resulted in an originated loan and 31% were denied. The most active lender was 21st Mortgage, with 12 applications, followed by Wells Fargo Bank NA and Vanderbilt Mortgage and Finance, Inc.
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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 | 67 |
| Total Mortgage Loan Application Amount | $6,732,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $207,000 |
| 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 |
* | $ -1,000 | 12 | $ 773,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 9 | $ 928,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 292,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 546,069,000 | 4 | $ 219,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 18,874,479,000 | 4 | $ 146,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 4 | $ 319,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ 168,800,000 | 4 | $ 740,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 3 | $ 622,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 216,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 215,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,208,667,000 | 2 | $ 74,000 |
| Guardian Bank 701 WILDWOOD PLANTATION DR. VALDOSTA, GA 31604 |
* | $ 311,345,000 | 2 | $ 30,000 |
| Southeastern Credit Union PO BOX 2067 VALDOSTA, GA 31604 VALDOSTA, GA 31602 |
* | $ 228,785,000 | 1 | $ 450,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,896,533,000 | 1 | $ 73,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 97,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 133,967,000 | 1 | $ 44,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 1 | $ 135,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 125,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 161,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 150,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 135,000 |
| Platinum Financial Funding, LLC 1913 GUNBARREL ROAD CHATTANOOGA, TN 37421 |
* | $ -1,000 | 1 | $ 54,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 29,874,612,000 | 1 | $ 50,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 325,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 184,000 |
The tables below break down 2017 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 2017
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 | 34 | $2,625,000 | $77,000 | $225,000 | $47,000 | $112,000 |
| Refinancing | 30 | $4,008,000 | $133,000 | $450,000 | $58,000 | $207,000 |
| Home Improvement | 3 | $99,000 | $33,000 | $46,000 | $45,000 | $60,000 |
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 | 55 | $5,856,000 | $106,000 | $450,000 | $54,000 | $157,000 |
| Not applicable | 5 | $388,000 | $77,000 | $112,000 | $0 | $0 |
| Not Provided | 3 | $246,000 | $82,000 | $135,000 | $116,000 | $207,000 |
| American Indian or Alaskan Native | 2 | $81,000 | $40,000 | $47,000 | $42,000 | $53,000 |
| Black or African American | 1 | $100,000 | $100,000 | $100,000 | $19,000 | $19,000 |
| Hispanic | 1 | $61,000 | $61,000 | $61,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 53 | $4,851,000 | $91,000 | $450,000 | $58,000 | $207,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,327,000 | $147,000 | $247,000 | $27,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 4 | $457,000 | $114,000 | $150,000 | $31,000 | $38,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $97,000 | $97,000 | $97,000 | $27,000 | $27,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 23 | $2,638,000 | $114,000 | $450,000 | $66,000 | $207,000 |
| Application Denied By Financial Institution | 21 | $1,953,000 | $93,000 | $247,000 | $47,000 | $88,000 |
| File Closed For Incompleteness | 10 | $579,000 | $57,000 | $79,000 | $42,000 | $62,000 |
| Application Withdrawn By Applicant | 7 | $1,082,000 | $154,000 | $325,000 | $57,000 | $157,000 |
| Loan Purchased By The Institution | 4 | $345,000 | $86,000 | $112,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $135,000 | $67,000 | $73,000 | $67,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $184,000 | $36,000 | $80,000 | $33,000 | $62,000 |
| Debt-To-Income Ratio | 3 | $615,000 | $205,000 | $247,000 | $41,000 | $46,000 |
| Other | 2 | $162,000 | $81,000 | $81,000 | $75,000 | $88,000 |
| Collateral | 1 | $83,000 | $83,000 | $83,000 | $37,000 | $37,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $62,000 | $62,000 |
| Unverifiable Information | 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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