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Act (HMDA) records Ebank Mortgage LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 24 | $ 5,736,000 | $ 239,000 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 2,372,000 | $ 197,666 | $ 91,000 |
| New York-White Plains-Wayne, NY-NJ | 9 | $ 2,429,000 | $ 269,888 | $ 101,222 |
| Las Vegas-Paradise, NV | 8 | $ 2,453,000 | $ 306,625 | $ 101,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 2,632,000 | $ 376,000 | $ 140,571 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 1,083,000 | $ 180,500 | $ 149,000 |
| Charlotte-Gastonia-Concord, NC-SC | 5 | $ 1,188,000 | $ 237,600 | $ 84,200 |
| Portland-Vancouver-Beaverton, OR-WA | 5 | $ 1,317,000 | $ 263,400 | $ 101,000 |
| Atlantic City, NJ | 4 | $ 627,000 | $ 156,750 | $ 83,000 |
| Columbus, OH | 4 | $ 933,000 | $ 233,250 | $ 102,000 |
| Newark-Union, NJ-PA | 4 | $ 1,025,000 | $ 256,250 | $ 102,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,087,000 | $ 271,750 | $ 100,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,118,000 | $ 372,666 | $ 152,000 |
| Chicago-Naperville-Joliet, IL | 3 | $ 694,000 | $ 231,333 | $ 101,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 559,000 | $ 186,333 | $ 93,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 562,000 | $ 187,333 | $ 130,000 |
| Kansas City, MO-KS | 3 | $ 417,000 | $ 139,000 | $ 57,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 823,000 | $ 274,333 | $ 180,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 614,000 | $ 204,666 | $ 88,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 602,000 | $ 200,666 | $ 89,000 |
| Salt Lake City, UT | 3 | $ 596,000 | $ 198,666 | $ 73,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 806,000 | $ 268,666 | $ 114,000 |
| Wilmington, DE-MD-NJ | 3 | $ 407,000 | $ 135,666 | $ 92,000 |
| Baton Rouge, LA | 2 | $ 355,000 | $ 177,500 | $ 119,000 |
| Boise City-Nampa, ID | 2 | $ 344,000 | $ 172,000 | $ 125,000 |
| Camden, NJ | 2 | $ 420,000 | $ 210,000 | $ 109,000 |
| Des Moines-West Des Moines, IA | 2 | $ 372,000 | $ 186,000 | $ 87,000 |
| Edison, NJ | 2 | $ 630,000 | $ 315,000 | $ 132,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 640,000 | $ 320,000 | $ 83,000 |
| Lafayette, LA | 2 | $ 282,000 | $ 141,000 | $ 62,000 |
| Mobile, AL | 2 | $ 229,000 | $ 114,500 | $ 69,000 |
| New Haven-Milford, CT | 2 | $ 392,000 | $ 196,000 | $ 61,000 |
| Ogden-Clearfield, UT | 2 | $ 244,000 | $ 122,000 | $ 43,000 |
| Philadelphia, PA | 2 | $ 640,000 | $ 320,000 | $ 191,000 |
| Provo-Orem, UT | 2 | $ 515,000 | $ 257,500 | $ 96,000 |
| Reno-Sparks, NV | 2 | $ 595,000 | $ 297,500 | $ 85,000 |
| Toledo, OH | 2 | $ 372,000 | $ 186,000 | $ 131,000 |
| Tucson, AZ | 2 | $ 450,000 | $ 225,000 | $ 51,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 466,000 | $ 233,000 | $ 378,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 296,000 | $ 148,000 | $ 61,000 |
| Albuquerque, NM | 1 | $ 340,000 | $ 340,000 | $ 125,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 198,000 | $ 198,000 | $ 43,000 |
| Baltimore-Towson, MD | 1 | $ 315,000 | $ 315,000 | $ 128,000 |
| Billings, MT | 1 | $ 177,000 | $ 177,000 | $ 145,000 |
| Boston-Quincy, MA | 1 | $ 310,000 | $ 310,000 | $ 135,000 |
| Carson City, NV | 1 | $ 238,000 | $ 238,000 | $ 78,000 |
| Charleston, WV | 1 | $ 136,000 | $ 136,000 | $ 240,000 |
| Columbus, IN | 1 | $ 240,000 | $ 240,000 | $ 88,000 |
| Dallas-Plano-Irving, TX | 1 | $ 288,000 | $ 288,000 | $ 305,000 |
| Dayton, OH | 1 | $ 100,000 | $ 100,000 | $ 97,000 |
| Denver-Aurora, CO | 1 | $ 231,000 | $ 231,000 | $ 95,000 |
| Flagstaff, AZ | 1 | $ 200,000 | $ 200,000 | $ 120,000 |
| Florence, SC | 1 | $ 242,000 | $ 242,000 | $ 88,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 130,000 | $ 130,000 | $ 83,000 |
| Fort Smith, AR-OK | 1 | $ 195,000 | $ 195,000 | $ 38,000 |
| Fort Worth-Arlington, TX | 1 | $ 149,000 | $ 149,000 | $ 44,000 |
| Gadsden, AL | 1 | $ 417,000 | $ 417,000 | $ 91,000 |
| Gainesville, FL | 1 | $ 220,000 | $ 220,000 | $ 65,000 |
| Grand Junction, CO | 1 | $ 230,000 | $ 230,000 | $ 57,000 |
| Greeley, CO | 1 | $ 192,000 | $ 192,000 | $ 39,000 |
| Greensboro-High Point, NC | 1 | $ 177,000 | $ 177,000 | $ 95,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 192,000 | $ 192,000 | $ 75,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Huntsville, AL | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Idaho Falls, ID | 1 | $ 104,000 | $ 104,000 | $ 35,000 |
| Jackson, MS | 1 | $ 117,000 | $ 117,000 | $ 73,000 |
| Jacksonville, FL | 1 | $ 104,000 | $ 104,000 | $ 36,000 |
| Las Cruces, NM | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Lebanon, PA | 1 | $ 160,000 | $ 160,000 | $ 37,000 |
| Logan, UT-ID | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 158,000 | $ 158,000 | $ 70,000 |
| Memphis, TN-MS-AR | 1 | $ 140,000 | $ 140,000 | $ 85,000 |
| Missoula, MT | 1 | $ 120,000 | $ 120,000 | $ 25,000 |
| Montgomery, AL | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 542,000 | $ 542,000 | $ 276,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 172,000 | $ 172,000 | $ 96,000 |
| Orlando-Kissimmee, FL | 1 | $ 227,000 | $ 227,000 | $ 49,000 |
| Pascagoula, MS | 1 | $ 156,000 | $ 156,000 | $ 63,000 |
| Pittsburgh, PA | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 253,000 | $ 253,000 | $ 102,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 120,000 | $ 120,000 | $ 160,000 |
| Rockingham County-Strafford County, NH | 1 | $ 376,000 | $ 376,000 | $ 90,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| San Antonio, TX | 1 | $ 172,000 | $ 172,000 | $ 100,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 240,000 | $ 240,000 | $ 70,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 199,000 | $ 199,000 | $ 206,000 |
| Shreveport-Bossier City, LA | 1 | $ 260,000 | $ 260,000 | $ 102,000 |
| Spokane, WA | 1 | $ 184,000 | $ 184,000 | $ 84,000 |
| Springfield, MO | 1 | $ 99,000 | $ 99,000 | $ 53,000 |
| St. Louis, MO-IL | 1 | $ 240,000 | $ 240,000 | $ 105,000 |
| Tacoma, WA | 1 | $ 307,000 | $ 307,000 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 169,000 | $ 169,000 | $ 64,000 |
| Utica-Rome, NY | 1 | $ 58,000 | $ 58,000 | $ 107,000 |
| Winchester, VA-WV | 1 | $ 168,000 | $ 168,000 | $ 167,000 |
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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