Afb&T Mortgage Lending & HMDA Data, 2005
In 2005, Afb&T of Athens, GA reported 250 mortgage applications totaling $39.3 million, down 33% from 2004. The average application was for $157,036, and applicants reported an average income of $70,720. 88% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Athens-Clarke County, GA (128), Atlanta-Sandy Springs-Marietta, GA (26) and Brunswick, GA (3) (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 | 250 |
| Total Mortgage Loan Application Amount | $39,259,000 |
| Average Mortgage Loan Application Amount | $157,036 |
| Highest Mortgage Loan Application Amount | $9,684,000 |
| Average Applicant Income | $70,720 |
| Highest Applicant Income | $1,251,000 |
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Disclosure Act (HMDA) records Afb&T filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Athens-Clarke County, GA | 128 | $ 28,508,000 | $ 222,718 | $ 57,000 |
| Atlanta-Sandy Springs-Marietta, GA | 26 | $ 1,988,000 | $ 76,461 | $ 91,000 |
| Brunswick, GA | 3 | $ 918,000 | $ 306,000 | $ 291,000 |
Mortgage Loan Application Detail Totals for Afb&T in 2005
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 | 105 | $12,814,000 | $122,000 | $2,169,000 | $89,000 | $874,000 |
| Home Purchase | 79 | $25,454,000 | $322,000 | $9,684,000 | $65,000 | $1,251,000 |
| Home Improvement | 66 | $991,000 | $18,000 | $82,000 | $56,000 | $200,000 |
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 | 188 | $17,234,000 | $57,000 | $2,169,000 | $75,000 | $1,251,000 |
| Black or African American | 34 | $1,213,000 | $35,000 | $155,000 | $51,000 | $685,000 |
| Not applicable | 22 | $20,400,000 | $927,000 | $9,684,000 | $0 | $0 |
| Hispanic | 4 | $117,000 | $29,000 | $61,000 | $36,000 | $48,000 |
| Asian | 1 | $270,000 | $270,000 | $270,000 | $0 | $0 |
| Not Provided | 1 | $25,000 | $25,000 | $25,000 | $51,000 | $51,000 |
| 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) | 250 | $39,259,000 | $90,000 | $9,684,000 | $65,000 | $1,251,000 |
| 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 | 221 | $38,195,000 | $98,000 | $9,684,000 | $72,000 | $1,251,000 |
| Application Denied By Financial Institution | 26 | $994,000 | $38,000 | $325,000 | $33,000 | $72,000 |
| Application Approved But Not Accepted | 3 | $70,000 | $23,000 | $50,000 | $30,000 | $42,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 15 | $581,000 | $38,000 | $325,000 | $33,000 | $70,000 |
| Credit History | 11 | $413,000 | $37,000 | $299,000 | $33,000 | $72,000 |
| 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 2005 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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