Echols County, GA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 77 mortgage applications in Echols County, GA totaling $11.4 million, down 29% from 2021. The average application was for $147,000, and applicants reported an average income of $80,000. 43% of applications resulted in an originated loan and 30% were denied. The most active lender was 21st Mortgage, with 9 applications, followed by Synovus Bank and First Federal S&L Association.
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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 | 77 |
| Total Mortgage Loan Application Amount | $11,395,000 |
| Average Mortgage Loan Application Amount | $147,000 |
| Highest Mortgage Loan Application Amount | $1,055,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $399,000 |
| 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 | 9 | $ 1,215,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 57,224,306,000 | 7 | $ 1,175,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ 222,134,000 | 6 | $ 1,880,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 620,149,000 | 5 | $ 225,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 5 | $ 315,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 3 | $ 155,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 295,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 365,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 260,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 190,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 310,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 2 | $ 310,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 390,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 380,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 23,754,594,000 | 1 | $ 225,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 275,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 1 | $ 135,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 165,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 175,000 |
| First Commerce Credit Union 107 E COLLEGE AVE TALLAHASSEE, FL 32317 |
* | $ 972,659,000 | 1 | $ 55,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 15,151,012,000 | 1 | $ 105,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 65,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 265,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 95,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 1 | $ 215,000 |
| Southeastern Credit Union PO BOX 2067 VALDOSTA, GA 31604 VALDOSTA, GA 31602 |
* | $ 334,399,000 | 1 | $ 165,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 6,066,913,000 | 1 | $ 55,000 |
| Five Star Credit Union 411 N FOSTER ST DOTHAN, AL 36302 |
* | $ 661,046,000 | 1 | $ 235,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 45,000 |
The tables below break down 2022 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 2022
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 | 37 | $6,145,000 | $166,000 | $1,055,000 | $75,000 | $399,000 |
| Cash-out Refinancing | 13 | $2,685,000 | $206,000 | $275,000 | $92,000 | $170,000 |
| Refinancing | 10 | $1,300,000 | $130,000 | $255,000 | $55,000 | $94,000 |
| Home Improvement | 9 | $485,000 | $53,000 | $105,000 | $59,000 | $84,000 |
| Other Purpose | 8 | $780,000 | $97,000 | $285,000 | $128,000 | $303,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 58 | $8,840,000 | $152,000 | $1,055,000 | $87,000 | $399,000 |
| Not Provided | 8 | $1,470,000 | $183,000 | $275,000 | $76,000 | $170,000 |
| Black or African American | 4 | $340,000 | $85,000 | $155,000 | $49,000 | $65,000 |
| Hispanic | 3 | $355,000 | $118,000 | $165,000 | $44,000 | $49,000 |
| American Indian or Alaskan Native | 3 | $225,000 | $75,000 | $125,000 | $42,000 | $58,000 |
| Not applicable | 1 | $165,000 | $165,000 | $165,000 | $0 | $0 |
| 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) | 66 | $9,870,000 | $149,000 | $1,055,000 | $84,000 | $399,000 |
| FHA-insured (Federal Housing Administration) | 7 | $935,000 | $133,000 | $275,000 | $65,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 4 | $590,000 | $147,000 | $175,000 | $50,000 | $60,000 |
| 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 | 33 | $5,695,000 | $172,000 | $1,055,000 | $88,000 | $399,000 |
| Application Denied By Financial Institution | 23 | $3,575,000 | $155,000 | $275,000 | $72,000 | $143,000 |
| Application Withdrawn By Applicant | 7 | $715,000 | $102,000 | $195,000 | $51,000 | $74,000 |
| File Closed For Incompleteness | 6 | $430,000 | $71,000 | $105,000 | $76,000 | $173,000 |
| Application Approved But Not Accepted | 6 | $690,000 | $115,000 | $255,000 | $117,000 | $303,000 |
| Loan Purchased By The Institution | 2 | $290,000 | $145,000 | $225,000 | $57,000 | $85,000 |
| 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 | 49 | $7,595,000 | $155,000 | $1,055,000 | $84,000 | $399,000 |
| Debt-To-Income Ratio | 13 | $1,425,000 | $109,000 | $275,000 | $78,000 | $234,000 |
| Credit History | 9 | $1,245,000 | $138,000 | $265,000 | $63,000 | $104,000 |
| Credit Application Incomplete | 3 | $675,000 | $225,000 | $275,000 | $79,000 | $92,000 |
| Unverifiable Information | 2 | $350,000 | $175,000 | $265,000 | $99,000 | $126,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $38,000 | $38,000 |
| Collateral | 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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