Ebank Mortgage LLC Mortgage Lending & HMDA Data, 2006
In 2006, Ebank Mortgage LLC of Smyrna, GA reported 238 mortgage applications totaling $53.9 million. The average application was for $226,558, and applicants reported an average income of $107,000. 61% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (24), Phoenix-Mesa-Scottsdale, AZ (12) and New York-White Plains-Wayne, NY-NJ (9) (applications in parentheses).
| Mortgage Company & Address | Ebank Mortgage LLC 2401 Lake Park Drive, Suite 200 Smyrna, GA 30080 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 238 |
| Total Mortgage Loan Application Amount | $53,921,000 |
| Average Mortgage Loan Application Amount | $226,558 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $687,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ebank Mortgage LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa, Arizona | 12 | $ 2,372,000 | $ 197,666 | $ 91,000 |
| Clark, Nevada | 8 | $ 2,453,000 | $ 306,625 | $ 101,000 |
| Cobb, Georgia | 4 | $ 628,000 | $ 157,000 | $ 86,000 |
| DeKalb, Georgia | 4 | $ 1,534,000 | $ 383,500 | $ 228,000 |
| Fulton, Georgia | 4 | $ 1,102,000 | $ 275,500 | $ 95,000 |
| Atlantic, New Jersey | 4 | $ 627,000 | $ 156,750 | $ 83,000 |
| District of Columbia, District Of Columbia | 3 | $ 1,520,000 | $ 506,666 | $ 170,000 |
| Paulding, Georgia | 3 | $ 545,000 | $ 181,666 | $ 83,000 |
| York, Maine | 3 | $ 602,000 | $ 200,666 | $ 89,000 |
| Middlesex, Massachusetts | 3 | $ 1,118,000 | $ 372,666 | $ 152,000 |
| Cuyahoga, Ohio | 3 | $ 404,000 | $ 134,666 | $ 135,000 |
| Washington, Oregon | 3 | $ 812,000 | $ 270,666 | $ 122,000 |
| King, Washington | 3 | $ 815,000 | $ 271,666 | $ 104,000 |
| Mobile, Alabama | 2 | $ 229,000 | $ 114,500 | $ 69,000 |
| Pima, Arizona | 2 | $ 450,000 | $ 225,000 | $ 51,000 |
| Litchfield, Connecticut | 2 | $ 382,000 | $ 191,000 | $ 161,000 |
| New Haven, Connecticut | 2 | $ 392,000 | $ 196,000 | $ 61,000 |
| New Castle, Delaware | 2 | $ 325,000 | $ 162,500 | $ 78,000 |
| Palm Beach, Florida | 2 | $ 296,000 | $ 148,000 | $ 61,000 |
| Cherokee, Georgia | 2 | $ 443,000 | $ 221,500 | $ 141,000 |
| Forsyth, Georgia | 2 | $ 486,000 | $ 243,000 | $ 84,000 |
| Gwinnett, Georgia | 2 | $ 355,000 | $ 177,500 | $ 67,000 |
| Ada, Idaho | 2 | $ 344,000 | $ 172,000 | $ 125,000 |
| Kane, Illinois | 2 | $ 522,000 | $ 261,000 | $ 108,000 |
| Polk, Iowa | 2 | $ 372,000 | $ 186,000 | $ 87,000 |
| Johnson, Kansas | 2 | $ 247,000 | $ 123,500 | $ 48,000 |
| East Baton Rouge, Louisiana | 2 | $ 355,000 | $ 177,500 | $ 119,000 |
| Lafayette, Louisiana | 2 | $ 282,000 | $ 141,000 | $ 62,000 |
| Prince George's, Maryland | 2 | $ 740,000 | $ 370,000 | $ 143,000 |
| Oakland, Michigan | 2 | $ 664,000 | $ 332,000 | $ 136,000 |
| Hennepin, Minnesota | 2 | $ 462,000 | $ 231,000 | $ 206,000 |
| Washoe, Nevada | 2 | $ 595,000 | $ 297,500 | $ 85,000 |
| Hudson, New Jersey | 2 | $ 472,000 | $ 236,000 | $ 62,000 |
| Middlesex, New Jersey | 2 | $ 630,000 | $ 315,000 | $ 132,000 |
| Morris, New Jersey | 2 | $ 587,000 | $ 293,500 | $ 84,000 |
| Union, New Jersey | 2 | $ 438,000 | $ 219,000 | $ 120,000 |
| New York, New York | 2 | $ 595,000 | $ 297,500 | $ 127,000 |
| Currituck, North Carolina | 2 | $ 466,000 | $ 233,000 | $ 378,000 |
| Mecklenburg, North Carolina | 2 | $ 288,000 | $ 144,000 | $ 61,000 |
| Delaware, Ohio | 2 | $ 632,000 | $ 316,000 | $ 99,000 |
| Franklin, Ohio | 2 | $ 301,000 | $ 150,500 | $ 106,000 |
| Lorain, Ohio | 2 | $ 520,000 | $ 260,000 | $ 200,000 |
| Ottawa, Ohio | 2 | $ 372,000 | $ 186,000 | $ 131,000 |
| Multnomah, Oregon | 2 | $ 505,000 | $ 252,500 | $ 69,000 |
| York, South Carolina | 2 | $ 720,000 | $ 360,000 | $ 107,000 |
| Harris, Texas | 2 | $ 366,000 | $ 183,000 | $ 124,000 |
| Davis, Utah | 2 | $ 244,000 | $ 122,000 | $ 43,000 |
| Utah, Utah | 2 | $ 515,000 | $ 257,500 | $ 96,000 |
| Prince William, Virginia | 2 | $ 372,000 | $ 186,000 | $ 94,000 |
| Berkeley, West Virginia | 2 | $ 640,000 | $ 320,000 | $ 83,000 |
| Vilas, Wisconsin | 2 | $ 575,000 | $ 287,500 | $ 120,000 |
| Sweetwater, Wyoming | 2 | $ 240,000 | $ 120,000 | $ 190,000 |
| Etowah, Alabama | 1 | $ 417,000 | $ 417,000 | $ 91,000 |
| Madison, Alabama | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Montgomery, Alabama | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| Coconino, Arizona | 1 | $ 200,000 | $ 200,000 | $ 120,000 |
| Boone, Arkansas | 1 | $ 182,000 | $ 182,000 | $ 109,000 |
| Crawford, Arkansas | 1 | $ 195,000 | $ 195,000 | $ 38,000 |
| Monroe, Arkansas | 1 | $ 102,000 | $ 102,000 | $ 109,000 |
| Sacramento, California | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| San Diego, California | 1 | $ 240,000 | $ 240,000 | $ 70,000 |
| Douglas, Colorado | 1 | $ 231,000 | $ 231,000 | $ 95,000 |
| Mesa, Colorado | 1 | $ 230,000 | $ 230,000 | $ 57,000 |
| Weld, Colorado | 1 | $ 192,000 | $ 192,000 | $ 39,000 |
| Hartford, Connecticut | 1 | $ 192,000 | $ 192,000 | $ 75,000 |
| Alachua, Florida | 1 | $ 220,000 | $ 220,000 | $ 65,000 |
| Broward, Florida | 1 | $ 130,000 | $ 130,000 | $ 83,000 |
| Clay, Florida | 1 | $ 104,000 | $ 104,000 | $ 36,000 |
| Hillsborough, Florida | 1 | $ 169,000 | $ 169,000 | $ 64,000 |
| Orange, Florida | 1 | $ 227,000 | $ 227,000 | $ 49,000 |
| Sarasota, Florida | 1 | $ 199,000 | $ 199,000 | $ 206,000 |
| Henry, Georgia | 1 | $ 405,000 | $ 405,000 | $ 122,000 |
| Morgan, Georgia | 1 | $ 87,000 | $ 87,000 | $ 86,000 |
| Rockdale, Georgia | 1 | $ 121,000 | $ 121,000 | $ 34,000 |
| Walton, Georgia | 1 | $ 117,000 | $ 117,000 | $ 136,000 |
| Bonneville, Idaho | 1 | $ 104,000 | $ 104,000 | $ 35,000 |
| Latah, Idaho | 1 | $ 113,000 | $ 113,000 | $ 166,000 |
| DuPage, Illinois | 1 | $ 172,000 | $ 172,000 | $ 88,000 |
| Bartholomew, Indiana | 1 | $ 240,000 | $ 240,000 | $ 88,000 |
| Kosciusko, Indiana | 1 | $ 384,000 | $ 384,000 | $ 225,000 |
| Crawford, Kansas | 1 | $ 184,000 | $ 184,000 | $ 140,000 |
| Greenup, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Spencer, Kentucky | 1 | $ 158,000 | $ 158,000 | $ 70,000 |
| Caddo, Louisiana | 1 | $ 260,000 | $ 260,000 | $ 102,000 |
| Jefferson, Louisiana | 1 | $ 149,000 | $ 149,000 | $ 67,000 |
| St. Charles, Louisiana | 1 | $ 200,000 | $ 200,000 | $ 98,000 |
| St. Tammany, Louisiana | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Hancock, Maine | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| Anne Arundel, Maryland | 1 | $ 315,000 | $ 315,000 | $ 128,000 |
| Cecil, Maryland | 1 | $ 82,000 | $ 82,000 | $ 120,000 |
| Norfolk, Massachusetts | 1 | $ 310,000 | $ 310,000 | $ 135,000 |
| Macomb, Michigan | 1 | $ 142,000 | $ 142,000 | $ 70,000 |
| Otter Tail, Minnesota | 1 | $ 160,000 | $ 160,000 | $ 75,000 |
| Sherburne, Minnesota | 1 | $ 361,000 | $ 361,000 | $ 127,000 |
| Hinds, Mississippi | 1 | $ 117,000 | $ 117,000 | $ 73,000 |
| Jackson, Mississippi | 1 | $ 156,000 | $ 156,000 | $ 63,000 |
| Clinton, Missouri | 1 | $ 170,000 | $ 170,000 | $ 75,000 |
| Greene, Missouri | 1 | $ 99,000 | $ 99,000 | $ 53,000 |
| Lincoln, Missouri | 1 | $ 240,000 | $ 240,000 | $ 105,000 |
| Taney, Missouri | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Gallatin, Montana | 1 | $ 540,000 | $ 540,000 | $ 84,000 |
| Missoula, Montana | 1 | $ 120,000 | $ 120,000 | $ 25,000 |
| Yellowstone, Montana | 1 | $ 177,000 | $ 177,000 | $ 145,000 |
| Dawson, Nebraska | 1 | $ 91,000 | $ 91,000 | $ 79,000 |
| Carson City, Nevada | 1 | $ 238,000 | $ 238,000 | $ 78,000 |
| Grafton, New Hampshire | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Strafford, New Hampshire | 1 | $ 376,000 | $ 376,000 | $ 90,000 |
| Bergen, New Jersey | 1 | $ 273,000 | $ 273,000 | $ 85,000 |
| Burlington, New Jersey | 1 | $ 170,000 | $ 170,000 | $ 106,000 |
| Camden, New Jersey | 1 | $ 250,000 | $ 250,000 | $ 112,000 |
| Passaic, New Jersey | 1 | $ 288,000 | $ 288,000 | $ 89,000 |
| Dona Ana, New Mexico | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Sandoval, New Mexico | 1 | $ 340,000 | $ 340,000 | $ 125,000 |
| Dutchess, New York | 1 | $ 253,000 | $ 253,000 | $ 102,000 |
| Oneida, New York | 1 | $ 58,000 | $ 58,000 | $ 107,000 |
| Queens, New York | 1 | $ 347,000 | $ 347,000 | $ 124,000 |
| Richmond, New York | 1 | $ 150,000 | $ 150,000 | $ 127,000 |
| Westchester, New York | 1 | $ 304,000 | $ 304,000 | $ 110,000 |
| Cabarrus, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 86,000 |
| Dare, North Carolina | 1 | $ 350,000 | $ 350,000 | $ 98,000 |
| Guilford, North Carolina | 1 | $ 177,000 | $ 177,000 | $ 95,000 |
| Ashtabula, Ohio | 1 | $ 177,000 | $ 177,000 | $ 169,000 |
| Butler, Ohio | 1 | $ 187,000 | $ 187,000 | $ 104,000 |
| Clermont, Ohio | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| Geauga, Ohio | 1 | $ 159,000 | $ 159,000 | $ 90,000 |
| Montgomery, Ohio | 1 | $ 100,000 | $ 100,000 | $ 97,000 |
| Warren, Ohio | 1 | $ 220,000 | $ 220,000 | $ 117,000 |
| Lincoln, Oregon | 1 | $ 166,000 | $ 166,000 | $ 81,000 |
| Bucks, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 198,000 |
| Delaware, Pennsylvania | 1 | $ 405,000 | $ 405,000 | $ 185,000 |
| Lebanon, Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 37,000 |
| Monroe, Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 168,000 |
| Northampton, Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 43,000 |
| Washington, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Wayne, Pennsylvania | 1 | $ 239,000 | $ 239,000 | $ 125,000 |
| Washington, Rhode Island | 1 | $ 120,000 | $ 120,000 | $ 160,000 |
| Florence, South Carolina | 1 | $ 242,000 | $ 242,000 | $ 88,000 |
| Davidson, Tennessee | 1 | $ 172,000 | $ 172,000 | $ 96,000 |
| Shelby, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 85,000 |
| Bexar, Texas | 1 | $ 172,000 | $ 172,000 | $ 100,000 |
| Denton, Texas | 1 | $ 288,000 | $ 288,000 | $ 305,000 |
| Fort Bend, Texas | 1 | $ 196,000 | $ 196,000 | $ 142,000 |
| Tarrant, Texas | 1 | $ 149,000 | $ 149,000 | $ 44,000 |
| Cache, Utah | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Salt Lake, Utah | 1 | $ 180,000 | $ 180,000 | $ 32,000 |
| Summit, Utah | 1 | $ 141,000 | $ 141,000 | $ 118,000 |
| Tooele, Utah | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Windsor, Vermont | 1 | $ 273,000 | $ 273,000 | $ 78,000 |
| Pierce, Washington | 1 | $ 307,000 | $ 307,000 | $ 82,000 |
| Skagit, Washington | 1 | $ 542,000 | $ 542,000 | $ 276,000 |
| Snohomish, Washington | 1 | $ 272,000 | $ 272,000 | $ 88,000 |
| Spokane, Washington | 1 | $ 184,000 | $ 184,000 | $ 84,000 |
| Hampshire, West Virginia | 1 | $ 168,000 | $ 168,000 | $ 167,000 |
| Kanawha, West Virginia | 1 | $ 136,000 | $ 136,000 | $ 240,000 |
| Walworth, Wisconsin | 1 | $ 332,000 | $ 332,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Ebank Mortgage LLC in 2006
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 | 119 | $25,431,000 | $213,000 | $800,000 | $117,000 | $687,000 |
| Refinancing | 119 | $28,490,000 | $239,000 | $542,000 | $97,000 | $276,000 |
| Home Improvement | 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 | 149 | $32,581,000 | $218,000 | $542,000 | $101,000 | $276,000 |
| Not Provided | 57 | $13,367,000 | $234,000 | $540,000 | $113,000 | $687,000 |
| Asian | 16 | $3,620,000 | $226,000 | $355,000 | $118,000 | $305,000 |
| Black or African American | 8 | $1,898,000 | $237,000 | $475,000 | $133,000 | $336,000 |
| Hispanic | 7 | $2,160,000 | $308,000 | $800,000 | $125,000 | $328,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $295,000 | $295,000 | $295,000 | $66,000 | $66,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 238 | $53,921,000 | $226,000 | $800,000 | $107,000 | $687,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 145 | $32,028,000 | $220,000 | $542,000 | $99,000 | $276,000 |
| Application Approved But Not Accepted | 58 | $13,863,000 | $239,000 | $800,000 | $121,000 | $687,000 |
| Application Withdrawn By Applicant | 18 | $4,217,000 | $234,000 | $475,000 | $120,000 | $336,000 |
| Application Denied By Financial Institution | 17 | $3,813,000 | $224,000 | $540,000 | $107,000 | $206,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $1,194,000 | $199,000 | $387,000 | $84,000 | $147,000 |
| Collateral | 4 | $823,000 | $205,000 | $361,000 | $119,000 | $167,000 |
| Debt-To-Income Ratio | 3 | $1,133,000 | $377,000 | $540,000 | $86,000 | $102,000 |
| Other | 2 | $287,000 | $143,000 | $182,000 | $110,000 | $111,000 |
| Unverifiable Information | 1 | $199,000 | $199,000 | $199,000 | $206,000 | $206,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $177,000 | $177,000 | $177,000 | $169,000 | $169,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ebank Mortgage LLC's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ebank Mortgage LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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