Afb&T Mortgage Lending & HMDA Data, 2007
In 2007, Afb&T of Athens, GA reported 363 mortgage applications totaling $34.1 million, up 1% from 2006. The average application was for $93,823, and applicants reported an average income of $95,327. 90% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Athens-Clarke County, GA (175), Atlanta-Sandy Springs-Marietta, GA (41) and Augusta-Richmond County, GA-SC (24) (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 | 363 |
| Total Mortgage Loan Application Amount | $34,058,000 |
| Average Mortgage Loan Application Amount | $93,823 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $95,327 |
| Highest Applicant Income | $1,796,000 |
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Disclosure Act (HMDA) records Afb&T filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 99 | $ 7,785,000 | $ 78,636 | $ 115,000 |
| Oconee, Georgia | 53 | $ 6,705,000 | $ 126,509 | $ 100,000 |
| Franklin, Georgia | 38 | $ 3,040,000 | $ 80,000 | $ 60,000 |
| Hart, Georgia | 38 | $ 1,497,000 | $ 39,394 | $ 55,000 |
| Walton, Georgia | 24 | $ 1,788,000 | $ 74,500 | $ 67,000 |
| Madison, Georgia | 16 | $ 1,042,000 | $ 65,125 | $ 53,000 |
| Jackson, Georgia | 14 | $ 1,104,000 | $ 78,857 | $ 109,000 |
| Richmond, Georgia | 12 | $ 2,019,000 | $ 168,250 | $ 178,000 |
| Barrow, Georgia | 7 | $ 290,000 | $ 41,428 | $ 46,000 |
| Columbia, Georgia | 7 | $ 945,000 | $ 135,000 | $ 57,000 |
| Oglethorpe, Georgia | 7 | $ 271,000 | $ 38,714 | $ 32,000 |
| Stephens, Georgia | 6 | $ 955,000 | $ 159,166 | $ 88,000 |
| Hall, Georgia | 5 | $ 1,294,000 | $ 258,800 | $ 65,000 |
| Aiken, South Carolina | 5 | $ 588,000 | $ 117,600 | $ 66,000 |
| Elbert, Georgia | 4 | $ 390,000 | $ 97,500 | $ 58,000 |
| Gwinnett, Georgia | 4 | $ 793,000 | $ 198,250 | $ 77,000 |
| Beaufort, South Carolina | 3 | $ 845,000 | $ 281,666 | $ 1,096,000 |
| Banks, Georgia | 2 | $ 212,000 | $ 106,000 | $ 44,000 |
| Cobb, Georgia | 2 | $ 62,000 | $ 31,000 | $ 96,000 |
| Fulton, Georgia | 2 | $ 58,000 | $ 29,000 | $ 154,000 |
| Greene, Georgia | 2 | $ 565,000 | $ 282,500 | $ 121,000 |
| Oconee, South Carolina | 2 | $ 52,000 | $ 26,000 | $ 78,000 |
| Barbour, Alabama | 1 | $ 4,000 | $ 4,000 | $ 90,000 |
| Chatham, Georgia | 1 | $ 33,000 | $ 33,000 | $ 69,000 |
| Cherokee, Georgia | 1 | $ 42,000 | $ 42,000 | $ 34,000 |
| DeKalb, Georgia | 1 | $ 1,114,000 | $ 1,114,000 | $ 0 |
| Morgan, Georgia | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Rabun, Georgia | 1 | $ 172,000 | $ 172,000 | $ 129,000 |
| Washington, Georgia | 1 | $ 11,000 | $ 11,000 | $ 15,000 |
| White, Georgia | 1 | $ 90,000 | $ 90,000 | $ 11,000 |
| Wilkes, Georgia | 1 | $ 42,000 | $ 42,000 | $ 29,000 |
| Greenwood, South Carolina | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Richmond City, Virginia | 1 | $ 35,000 | $ 35,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Afb&T in 2007
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 | 157 | $20,922,000 | $133,000 | $1,260,000 | $130,000 | $1,796,000 |
| Refinancing | 131 | $11,433,000 | $87,000 | $1,114,000 | $74,000 | $503,000 |
| Home Improvement | 75 | $1,703,000 | $22,000 | $109,000 | $60,000 | $240,000 |
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 | 285 | $23,144,000 | $81,000 | $650,000 | $111,000 | $1,796,000 |
| Not applicable | 33 | $6,707,000 | $203,000 | $1,260,000 | $0 | $0 |
| Black or African American | 33 | $2,472,000 | $74,000 | $395,000 | $55,000 | $235,000 |
| Hispanic | 9 | $1,616,000 | $179,000 | $765,000 | $121,000 | $420,000 |
| Asian | 3 | $119,000 | $39,000 | $92,000 | $45,000 | $85,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 363 | $34,058,000 | $93,000 | $1,260,000 | $96,000 | $1,796,000 |
| 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 | 328 | $32,265,000 | $98,000 | $1,260,000 | $101,000 | $1,796,000 |
| Application Denied By Financial Institution | 30 | $1,488,000 | $49,000 | $162,000 | $45,000 | $104,000 |
| Application Approved But Not Accepted | 5 | $305,000 | $61,000 | $170,000 | $59,000 | $156,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 25 | $1,199,000 | $47,000 | $162,000 | $45,000 | $104,000 |
| Debt-To-Income Ratio | 5 | $289,000 | $57,000 | $105,000 | $47,000 | $85,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Afb&T's 2007 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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