Echols County, GA Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 109 mortgage applications in Echols County, GA totaling $12.9 million, up 45% from 2020. The average application was for $118,000, and applicants reported an average income of $73,000. 49% of applications resulted in an originated loan and 25% were denied. The most active lender was 21st Mortgage, with 17 applications, followed by First Federal S&L Association 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 | 109 |
| Total Mortgage Loan Application Amount | $12,945,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $337,000 |
| 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 | 17 | $ 1,635,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ 189,219,000 | 8 | $ 850,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 48,103,435,000 | 7 | $ 725,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 497,050,000 | 7 | $ 685,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 6 | $ 680,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 580,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 420,000 |
| Commercial Banking Company 3462 NORTH VALDOSTA ROAD VALDOSTA, GA 31602 |
* | $ 235,153,000 | 4 | $ 590,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 23,559,400,000 | 4 | $ 60,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 435,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 475,000 |
| Southeastern Credit Union PO BOX 2067 VALDOSTA, GA 31604 VALDOSTA, GA 31602 |
* | $ 262,534,000 | 3 | $ 275,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 138,127,000 | 3 | $ 85,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 245,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 505,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 18,156,981,000 | 3 | $ 555,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 390,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 1 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 325,000 |
| Guardian Bank 701 WILDWOOD PLANTATION DR. VALDOSTA, GA 31604 |
* | $ 429,160,000 | 1 | $ 225,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 275,000 |
| Pineland Bank 501 W. 12TH STREET, P. O. BOX 1988 ALMA, GA 31510 |
* | $ 288,245,000 | 1 | $ 65,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 175,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 12,244,742,000 | 1 | $ 105,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 275,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 3,934,554,000 | 1 | $ 95,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 205,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 105,000 |
| First Commerce Credit Union 107 E COLLEGE AVE TALLAHASSEE, FL 32317 |
* | $ 615,519,000 | 1 | $ 135,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,165,396,000 | 1 | $ 195,000 |
The tables below break down 2021 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 2021
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 | 43 | $5,175,000 | $120,000 | $475,000 | $58,000 | $122,000 |
| Refinancing | 39 | $4,675,000 | $119,000 | $325,000 | $94,000 | $337,000 |
| Cash-out Refinancing | 16 | $2,660,000 | $166,000 | $275,000 | $81,000 | $112,000 |
| Home Improvement | 6 | $350,000 | $58,000 | $105,000 | $87,000 | $121,000 |
| Other Purpose | 4 | $60,000 | $15,000 | $25,000 | $28,000 | $35,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
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 | 80 | $10,360,000 | $129,000 | $475,000 | $77,000 | $337,000 |
| Not Provided | 10 | $1,100,000 | $110,000 | $275,000 | $63,000 | $94,000 |
| Black or African American | 8 | $640,000 | $80,000 | $105,000 | $66,000 | $115,000 |
| Hispanic | 4 | $240,000 | $60,000 | $155,000 | $47,000 | $62,000 |
| Not applicable | 4 | $230,000 | $57,000 | $105,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $375,000 | $125,000 | $155,000 | $67,000 | $102,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian 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) | 92 | $10,400,000 | $113,000 | $475,000 | $76,000 | $337,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,670,000 | $167,000 | $325,000 | $52,000 | $58,000 |
| FHA-insured (Federal Housing Administration) | 7 | $875,000 | $125,000 | $205,000 | $55,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 53 | $6,205,000 | $117,000 | $325,000 | $87,000 | $337,000 |
| Application Denied By Financial Institution | 27 | $3,005,000 | $111,000 | $275,000 | $59,000 | $115,000 |
| File Closed For Incompleteness | 14 | $1,600,000 | $114,000 | $245,000 | $58,000 | $116,000 |
| Application Withdrawn By Applicant | 12 | $1,980,000 | $165,000 | $475,000 | $77,000 | $118,000 |
| Application Approved But Not Accepted | 2 | $130,000 | $65,000 | $105,000 | $71,000 | $119,000 |
| Loan Purchased By The Institution | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| 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 | 70 | $8,880,000 | $126,000 | $475,000 | $72,000 | $151,000 |
| Debt-To-Income Ratio | 23 | $2,585,000 | $112,000 | $275,000 | $88,000 | $337,000 |
| Credit History | 8 | $730,000 | $91,000 | $185,000 | $57,000 | $115,000 |
| Other | 4 | $420,000 | $105,000 | $105,000 | $84,000 | $102,000 |
| Employment History | 2 | $100,000 | $50,000 | $85,000 | $31,000 | $35,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $90,000 | $90,000 |
| Collateral | 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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