Echols County, GA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 96 mortgage applications in Echols County, GA totaling $10.0 million, up 43% from 2017. The average application was for $104,000, and applicants reported an average income of $60,000. 41% of applications resulted in an originated loan and 25% were denied. The most active lender was 21st Mortgage, with 11 applications, followed by Goodleap, LLC and Synovus 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 | 96 |
| Total Mortgage Loan Application Amount | $10,000,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $258,000 |
| 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 | 11 | $ 865,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 7 | $ 805,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 31,106,198,000 | 7 | $ 515,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 140,128,000 | 6 | $ 270,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ 173,195,000 | 6 | $ 620,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 455,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 840,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 4 | $ 260,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 514,938,000 | 4 | $ 120,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 7,826,243,000 | 3 | $ 405,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 21,275,647,000 | 3 | $ 135,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 545,000 |
| Commercial Banking Company 3462 NORTH VALDOSTA ROAD VALDOSTA, GA 31602 |
* | $ 234,854,000 | 2 | $ 60,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 580,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 160,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 200,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 9,805,580,000 | 2 | $ 290,000 |
| Synovus Mortgage Corp. 800 SHADES CREEK PARKWAY BIRMINGHAM, AL 35209 |
* | $ -1,000 | 2 | $ 220,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 90,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 1 | $ 115,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 335,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 65,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,376,902,000 | 1 | $ 155,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 175,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 125,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 105,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 1 | $ 65,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 115,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 125,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 115,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 95,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 14,461,396,000 | 1 | $ 105,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 55,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 245,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 205,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2018 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 2018
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 | 52 | $5,780,000 | $111,000 | $335,000 | $57,000 | $141,000 |
| Refinancing | 19 | $1,785,000 | $93,000 | $215,000 | $75,000 | $258,000 |
| Cash-out Refinancing | 15 | $1,715,000 | $114,000 | $215,000 | $62,000 | $118,000 |
| Other Purpose | 5 | $305,000 | $61,000 | $185,000 | $44,000 | $83,000 |
| Home Improvement | 3 | $255,000 | $85,000 | $205,000 | $18,000 | $18,000 |
| Not Applicable | 2 | $160,000 | $80,000 | $105,000 | $33,000 | $33,000 |
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 | 61 | $5,985,000 | $98,000 | $315,000 | $58,000 | $258,000 |
| Hispanic | 14 | $1,290,000 | $92,000 | $335,000 | $72,000 | $141,000 |
| Not Provided | 11 | $1,545,000 | $140,000 | $295,000 | $60,000 | $109,000 |
| Not applicable | 9 | $1,155,000 | $128,000 | $245,000 | $45,000 | $58,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $18,000 | $18,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 65 | $5,235,000 | $80,000 | $285,000 | $61,000 | $258,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,900,000 | $135,000 | $215,000 | $61,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,940,000 | $161,000 | $315,000 | $51,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $925,000 | $185,000 | $335,000 | $62,000 | $117,000 |
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 | 39 | $3,415,000 | $87,000 | $245,000 | $75,000 | $258,000 |
| Application Denied By Financial Institution | 24 | $2,790,000 | $116,000 | $315,000 | $46,000 | $98,000 |
| Application Withdrawn By Applicant | 14 | $1,720,000 | $122,000 | $335,000 | $49,000 | $120,000 |
| Loan Purchased By The Institution | 10 | $1,340,000 | $134,000 | $245,000 | $63,000 | $109,000 |
| File Closed For Incompleteness | 6 | $600,000 | $100,000 | $155,000 | $58,000 | $118,000 |
| Application Approved But Not Accepted | 3 | $135,000 | $45,000 | $65,000 | $37,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 68 | $7,090,000 | $104,000 | $335,000 | $62,000 | $141,000 |
| Credit History | 14 | $1,540,000 | $110,000 | $295,000 | $38,000 | $60,000 |
| Debt-To-Income Ratio | 7 | $355,000 | $50,000 | $155,000 | $72,000 | $258,000 |
| Other | 4 | $530,000 | $132,000 | $175,000 | $75,000 | $98,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $64,000 | $64,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $88,000 | $88,000 |
| Employment History | 1 | $315,000 | $315,000 | $315,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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