Afb&T Mortgage Lending & HMDA Data, 2009
In 2009, Afb&T of Athens, GA reported 432 mortgage applications totaling $50.3 million, up 4% from 2008. The average application was for $116,504, and applicants reported an average income of $95,182. 82% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Athens-Clarke County, GA (157), Atlanta-Sandy Springs-Marietta, GA (139) and Augusta-Richmond County, GA-SC (37) (applications in parentheses).
| Mortgage Company & Address | Afb&T Po Box 1747 Athens, GA 30603 |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 432 |
| Total Mortgage Loan Application Amount | $50,330,000 |
| Average Mortgage Loan Application Amount | $116,504 |
| Highest Mortgage Loan Application Amount | $1,772,000 |
| Average Applicant Income | $95,182 |
| Highest Applicant Income | $2,700,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Afb&T filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Walton, Georgia | 99 | $ 7,326,000 | $ 74,000 | $ 60,000 |
| Clarke, Georgia | 88 | $ 12,600,000 | $ 143,181 | $ 122,000 |
| Oconee, Georgia | 41 | $ 8,783,000 | $ 214,219 | $ 144,000 |
| Hart, Georgia | 33 | $ 2,161,000 | $ 65,484 | $ 50,000 |
| Franklin, Georgia | 28 | $ 2,558,000 | $ 91,357 | $ 60,000 |
| Madison, Georgia | 21 | $ 1,233,000 | $ 58,714 | $ 56,000 |
| Columbia, Georgia | 18 | $ 3,170,000 | $ 176,111 | $ 72,000 |
| Richmond, Georgia | 17 | $ 3,476,000 | $ 204,470 | $ 100,000 |
| Gwinnett, Georgia | 15 | $ 1,289,000 | $ 85,933 | $ 39,000 |
| Jackson, Georgia | 12 | $ 827,000 | $ 68,916 | $ 71,000 |
| Barrow, Georgia | 10 | $ 733,000 | $ 73,300 | $ 155,000 |
| DeKalb, Georgia | 7 | $ 1,016,000 | $ 145,142 | $ 41,000 |
| Oglethorpe, Georgia | 7 | $ 161,000 | $ 23,000 | $ 62,000 |
| Stephens, Georgia | 7 | $ 325,000 | $ 46,428 | $ 36,000 |
| Baldwin, Georgia | 4 | $ 124,000 | $ 31,000 | $ 100,000 |
| Morgan, Georgia | 4 | $ 594,000 | $ 148,500 | $ 96,000 |
| Rockdale, Georgia | 3 | $ 337,000 | $ 112,333 | $ 30,000 |
| Glynn, Georgia | 2 | $ 980,000 | $ 490,000 | $ 729,000 |
| Newton, Georgia | 2 | $ 87,000 | $ 43,500 | $ 0 |
| Sarasota, Florida | 1 | $ 184,000 | $ 184,000 | $ 560,000 |
| Elbert, Georgia | 1 | $ 83,000 | $ 83,000 | $ 109,000 |
| Forsyth, Georgia | 1 | $ 49,000 | $ 49,000 | $ 170,000 |
| Fulton, Georgia | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Greene, Georgia | 1 | $ 559,000 | $ 559,000 | $ 1,300,000 |
| Hall, Georgia | 1 | $ 75,000 | $ 75,000 | $ 605,000 |
| Hancock, Georgia | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Jasper, Georgia | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Putnam, Georgia | 1 | $ 247,000 | $ 247,000 | $ 147,000 |
| Rabun, Georgia | 1 | $ 72,000 | $ 72,000 | $ 73,000 |
| Aiken, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 389,000 | $ 389,000 | $ 1,508,000 |
| Edgefield, South Carolina | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Pickens, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 196,000 |
Mortgage Loan Application Detail Totals for Afb&T in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 181 | $18,790,000 | $103,000 | $466,000 | $74,000 | $1,508,000 |
| Home Purchase | 175 | $28,851,000 | $164,000 | $1,772,000 | $115,000 | $1,356,000 |
| Home Improvement | 76 | $2,689,000 | $35,000 | $355,000 | $100,000 | $2,700,000 |
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 | 292 | $31,925,000 | $109,000 | $950,000 | $122,000 | $2,700,000 |
| Not applicable | 86 | $13,206,000 | $153,000 | $1,772,000 | $0 | $0 |
| Black or African American | 29 | $1,318,000 | $45,000 | $348,000 | $50,000 | $140,000 |
| Not Provided | 11 | $2,273,000 | $206,000 | $600,000 | $138,000 | $280,000 |
| Asian | 6 | $822,000 | $137,000 | $375,000 | $163,000 | $542,000 |
| Hispanic | 3 | $85,000 | $28,000 | $66,000 | $30,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $559,000 | $186,000 | $253,000 | $217,000 | $400,000 |
| American Indian or Alaskan Native | 2 | $142,000 | $71,000 | $75,000 | $346,000 | $605,000 |
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) | 432 | $50,330,000 | $116,000 | $1,772,000 | $95,000 | $2,700,000 |
| 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 | 355 | $43,800,000 | $123,000 | $1,772,000 | $102,000 | $2,700,000 |
| Application Denied By Financial Institution | 54 | $3,005,000 | $55,000 | $303,000 | $51,000 | $215,000 |
| Application Approved But Not Accepted | 17 | $2,537,000 | $149,000 | $600,000 | $98,000 | $225,000 |
| Application Withdrawn By Applicant | 5 | $852,000 | $170,000 | $600,000 | $89,000 | $280,000 |
| Loan Purchased By The Institution | 1 | $136,000 | $136,000 | $136,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 32 | $1,557,000 | $48,000 | $303,000 | $44,000 | $149,000 |
| Debt-To-Income Ratio | 16 | $950,000 | $59,000 | $135,000 | $41,000 | $134,000 |
| Collateral | 4 | $413,000 | $103,000 | $275,000 | $119,000 | $215,000 |
| Other | 2 | $85,000 | $42,000 | $67,000 | $103,000 | $123,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Afb&T's 2009 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 Afb&T'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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with aggregated HMDA statistics today.
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