Afb&T Mortgage Lending & HMDA Data, 2004
In 2004, Afb&T of Athens, GA reported 372 mortgage applications totaling $38.7 million, up 5% from 2003. The average application was for $104,005, and applicants reported an average income of $68,142. 93% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Athens-Clarke County, GA (185), Atlanta-Sandy Springs-Marietta, GA (51) and Fort Walton Beach-Crestview-Destin, FL (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 | 372 |
| Total Mortgage Loan Application Amount | $38,690,000 |
| Average Mortgage Loan Application Amount | $104,005 |
| Highest Mortgage Loan Application Amount | $2,438,000 |
| Average Applicant Income | $68,142 |
| Highest Applicant Income | $4,304,000 |
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Disclosure Act (HMDA) records Afb&T filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 119 | $ 15,945,000 | $ 133,991 | $ 39,000 |
| Franklin, Georgia | 43 | $ 1,807,000 | $ 42,023 | $ 44,000 |
| Hart, Georgia | 40 | $ 1,428,000 | $ 35,700 | $ 37,000 |
| Oconee, Georgia | 33 | $ 6,270,000 | $ 190,000 | $ 212,000 |
| Walton, Georgia | 31 | $ 2,305,000 | $ 74,354 | $ 62,000 |
| Jackson, Georgia | 22 | $ 1,176,000 | $ 53,454 | $ 53,000 |
| Madison, Georgia | 20 | $ 1,289,000 | $ 64,450 | $ 55,000 |
| Oglethorpe, Georgia | 13 | $ 915,000 | $ 70,384 | $ 28,000 |
| Barrow, Georgia | 12 | $ 989,000 | $ 82,416 | $ 54,000 |
| Stephens, Georgia | 7 | $ 147,000 | $ 21,000 | $ 41,000 |
| Banks, Georgia | 6 | $ 341,000 | $ 56,833 | $ 47,000 |
| Elbert, Georgia | 6 | $ 404,000 | $ 67,333 | $ 38,000 |
| Gwinnett, Georgia | 3 | $ 370,000 | $ 123,333 | $ 10,000 |
| Hancock, Georgia | 3 | $ 138,000 | $ 46,000 | $ 130,000 |
| Jasper, Georgia | 2 | $ 176,000 | $ 88,000 | $ 0 |
| Rabun, Georgia | 2 | $ 328,000 | $ 164,000 | $ 186,000 |
| Baldwin, Alabama | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 900,000 | $ 900,000 | $ 329,000 |
| Walton, Florida | 1 | $ 2,438,000 | $ 2,438,000 | $ 0 |
| Coweta, Georgia | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Effingham, Georgia | 1 | $ 179,000 | $ 179,000 | $ 138,000 |
| Fulton, Georgia | 1 | $ 237,000 | $ 237,000 | $ 325,000 |
| Habersham, Georgia | 1 | $ 6,000 | $ 6,000 | $ 48,000 |
| Newton, Georgia | 1 | $ 81,000 | $ 81,000 | $ 113,000 |
| Wilkes, Georgia | 1 | $ 169,000 | $ 169,000 | $ 153,000 |
| Aiken, South Carolina | 1 | $ 32,000 | $ 32,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Afb&T in 2004
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 | 150 | $20,804,000 | $796,250 | $2,438,000 | $28,750 | $4,304,000 |
| Refinancing | 112 | $15,563,000 | $516,000 | $1,970,000 | $198,000 | $729,000 |
| Home Improvement | 110 | $2,323,000 | $21,000 | $228,000 | $42,000 | $1,095,000 |
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 | 275 | $24,508,000 | $339,333 | $1,970,000 | $150,333 | $4,304,000 |
| Not applicable | 48 | $12,439,000 | $1,079,000 | $2,438,000 | $0 | $0 |
| Black or African American | 32 | $939,000 | $29,000 | $308,000 | $30,000 | $66,000 |
| Hispanic | 8 | $230,000 | $28,000 | $86,000 | $33,000 | $64,000 |
| Not Provided | 5 | $24,000 | $4,000 | $10,000 | $20,000 | $35,000 |
| Asian | 4 | $550,000 | $137,000 | $217,000 | $59,000 | $102,000 |
| American Indian or Alaskan Native | 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) | 372 | $38,690,000 | $597,500 | $2,438,000 | $63,500 | $4,304,000 |
| 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 | 346 | $38,320,000 | $599,000 | $2,438,000 | $66,000 | $4,304,000 |
| Application Denied By Financial Institution | 23 | $244,000 | $10,000 | $70,000 | $29,000 | $70,000 |
| Application Withdrawn By Applicant | 2 | $57,000 | $28,000 | $36,000 | $20,000 | $28,000 |
| File Closed For Incompleteness | 1 | $69,000 | $69,000 | $69,000 | $37,000 | $37,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 12 | $73,000 | $6,000 | $20,000 | $28,000 | $70,000 |
| Credit History | 11 | $171,000 | $15,000 | $70,000 | $30,000 | $60,000 |
| 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 2004 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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