Afb&T Mortgage Lending & HMDA Data, 2003
In 2003, Afb&T of Athens, GA reported 353 mortgage applications totaling $40.8 million. The average application was for $115,512, and applicants reported an average income of $84,376. 93% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Athens, GA (159), Atlanta, GA (47) and Greenville-Spartanburg-Anderson, SC (1) (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 | 353 |
| Total Mortgage Loan Application Amount | $40,776,000 |
| Average Mortgage Loan Application Amount | $115,512 |
| Highest Mortgage Loan Application Amount | $2,183,000 |
| Average Applicant Income | $84,376 |
| Highest Applicant Income | $2,057,000 |
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Disclosure Act (HMDA) records Afb&T filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Clarke, Georgia | 111 | $ 23,199,000 | $ 209,000 | $ 52,000 |
| Franklin, Georgia | 36 | $ 2,648,000 | $ 73,555 | $ 94,000 |
| Walton, Georgia | 33 | $ 1,868,000 | $ 56,606 | $ 50,000 |
| Hart, Georgia | 30 | $ 1,233,000 | $ 41,100 | $ 60,000 |
| Oconee, Georgia | 30 | $ 3,087,000 | $ 102,900 | $ 62,000 |
| Jackson, Georgia | 28 | $ 1,593,000 | $ 56,892 | $ 39,000 |
| Madison, Georgia | 18 | $ 893,000 | $ 49,611 | $ 45,000 |
| Elbert, Georgia | 14 | $ 894,000 | $ 63,857 | $ 36,000 |
| Oglethorpe, Georgia | 11 | $ 467,000 | $ 42,454 | $ 48,000 |
| Stephens, Georgia | 8 | $ 456,000 | $ 57,000 | $ 24,000 |
| Banks, Georgia | 5 | $ 764,000 | $ 152,800 | $ 26,000 |
| Barrow, Georgia | 4 | $ 198,000 | $ 49,500 | $ 36,000 |
| Gwinnett, Georgia | 4 | $ 990,000 | $ 247,500 | $ 551,000 |
| Greene, Georgia | 3 | $ 413,000 | $ 137,666 | $ 94,000 |
| Baldwin, Georgia | 2 | $ 136,000 | $ 68,000 | $ 123,000 |
| Glynn, Georgia | 2 | $ 25,000 | $ 12,500 | $ 0 |
| Newton, Georgia | 2 | $ 76,000 | $ 38,000 | $ 47,000 |
| Baldwin, Alabama | 1 | $ 374,000 | $ 374,000 | $ 0 |
| Crisp, Georgia | 1 | $ 34,000 | $ 34,000 | $ 31,000 |
| DeKalb, Georgia | 1 | $ 120,000 | $ 120,000 | $ 84,000 |
| Forsyth, Georgia | 1 | $ 75,000 | $ 75,000 | $ 136,000 |
| Hall, Georgia | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Jasper, Georgia | 1 | $ 4,000 | $ 4,000 | $ 58,000 |
| Pickens, Georgia | 1 | $ 198,000 | $ 198,000 | $ 271,000 |
| Rockdale, Georgia | 1 | $ 315,000 | $ 315,000 | $ 128,000 |
| Brunswick, North Carolina | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Anderson, South Carolina | 1 | $ 94,000 | $ 94,000 | $ 61,000 |
| Oconee, South Carolina | 1 | $ 24,000 | $ 24,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Afb&T in 2003
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 (one-to-four family) | 161 | $22,139,000 | $200,250 | $2,183,000 | $49,250 | $2,057,000 |
| Home Improvement (one-to-four family) | 113 | $2,026,000 | $17,000 | $258,000 | $39,000 | $135,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 73 | $12,471,000 | $184,666 | $2,130,000 | $39,666 | $264,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 6 | $4,140,000 | $690,000 | $2,015,000 | $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 | 285 | $25,812,000 | $142,333 | $2,183,000 | $53,333 | $2,057,000 |
| Black | 33 | $1,306,000 | $39,000 | $165,000 | $41,000 | $331,000 |
| Not applicable | 26 | $12,148,000 | $422,000 | $2,130,000 | $0 | $0 |
| Asian or Pacific Islander | 5 | $1,135,000 | $227,000 | $508,000 | $98,000 | $202,000 |
| Hispanic | 4 | $375,000 | $93,000 | $177,000 | $81,000 | $158,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 353 | $40,776,000 | $206,500 | $2,183,000 | $34,500 | $2,057,000 |
| 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 | 329 | $39,983,000 | $208,000 | $2,183,000 | $37,250 | $2,057,000 |
| Application Denied By Financial Institution | 19 | $564,000 | $29,000 | $128,000 | $35,000 | $85,000 |
| Application Withdrawn By Applicant | 5 | $229,000 | $45,000 | $147,000 | $42,000 | $91,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 10 | $303,000 | $30,000 | $128,000 | $38,000 | $79,000 |
| Credit History | 9 | $261,000 | $29,000 | $80,000 | $33,000 | $85,000 |
| Collateral | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Afb&T's 2003 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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