Appalachian Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Appalachian Community Bank 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Appalachian Community Bank 822 Industrial Blvd. Ellijay, GA 30540 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,509 |
| Total Mortgage Loan Application Amount | $297,120,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $3,401,000 |
| Average Applicant Income | $71,666 |
| Highest Applicant Income | $2,334,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Appalachian Community Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Appalachian Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Appalachian Community Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Appalachian Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Appalachian Community Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Appalachian Community Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gilmer County Georgia | 516 | $ 104,445,000 | $ 202,000 | $ 63,000 |
| Fannin County Georgia | 245 | $ 49,014,000 | $ 200,000 | $ 83,000 |
| Union County Georgia | 191 | $ 30,597,000 | $ 160,000 | $ 48,000 |
| Murray County Georgia | 118 | $ 16,395,000 | $ 138,000 | $ 68,000 |
| Whitfield County Georgia | 55 | $ 11,973,000 | $ 217,000 | $ 56,000 |
| Pickens County Georgia | 49 | $ 10,968,000 | $ 223,000 | $ 84,000 |
| Lumpkin County Georgia | 45 | $ 7,070,000 | $ 157,000 | $ 62,000 |
| Cherokee County North Carolina | 39 | $ 5,177,000 | $ 132,000 | $ 60,000 |
| Dawson County Georgia | 36 | $ 6,776,000 | $ 188,000 | $ 52,000 |
| Cherokee County Georgia | 29 | $ 7,389,000 | $ 254,000 | $ 155,000 |
| Polk County Tennessee | 24 | $ 3,665,000 | $ 152,000 | $ 66,000 |
| Gwinnett County Georgia | 17 | $ 4,805,000 | $ 282,000 | $ 74,000 |
| Forsyth County Georgia | 14 | $ 6,276,000 | $ 448,000 | $ 90,000 |
| Towns County Georgia | 14 | $ 2,064,000 | $ 147,000 | $ 44,000 |
| Fulton County Georgia | 12 | $ 5,370,000 | $ 447,000 | $ 150,000 |
| Bay County Florida | 9 | $ 2,618,000 | $ 290,000 | $ 17,000 |
| Gordon County Georgia | 9 | $ 1,486,000 | $ 165,000 | $ 57,000 |
| Hall County Georgia | 9 | $ 5,473,000 | $ 608,000 | $ 92,000 |
| White County Georgia | 7 | $ 1,525,000 | $ 217,000 | $ 19,000 |
| Clay County North Carolina | 7 | $ 1,121,000 | $ 160,000 | $ 47,000 |
| Cobb County Georgia | 5 | $ 1,056,000 | $ 211,000 | $ 44,000 |
| Walker County Georgia | 3 | $ 371,000 | $ 123,000 | $ 69,000 |
| Cumberland County Kentucky | 3 | $ 1,039,000 | $ 346,000 | $ 30,000 |
| Haywood County North Carolina | 3 | $ 788,000 | $ 262,000 | $ 82,000 |
| Palm Beach County Florida | 2 | $ 286,000 | $ 143,000 | $ 67,000 |
| Bartow County Georgia | 2 | $ 1,045,000 | $ 522,000 | $ 132,000 |
| Habersham County Georgia | 2 | $ 508,000 | $ 254,000 | $ 276,000 |
| Jackson County Georgia | 2 | $ 638,000 | $ 319,000 | $ 101,000 |
| Burke County North Carolina | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Catawba County North Carolina | 2 | $ 142,000 | $ 71,000 | $ 0 |
| Cherokee County Alabama | 1 | $ 217,000 | $ 217,000 | $ 123,000 |
| Jefferson County Alabama | 1 | $ 240,000 | $ 240,000 | $ 211,000 |
| Broward County Florida | 1 | $ 313,000 | $ 313,000 | $ 211,000 |
| Charlotte County Florida | 1 | $ 280,000 | $ 280,000 | $ 155,000 |
| Volusia County Florida | 1 | $ 119,000 | $ 119,000 | $ 76,000 |
| Coweta County Georgia | 1 | $ 116,000 | $ 116,000 | $ 82,000 |
| DeKalb County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Douglas County Georgia | 1 | $ 104,000 | $ 104,000 | $ 55,000 |
| Fayette County Georgia | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Franklin County Georgia | 1 | $ 128,000 | $ 128,000 | $ 52,000 |
| Houston County Georgia | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Lamar County Georgia | 1 | $ 126,000 | $ 126,000 | $ 46,000 |
| Madison County Georgia | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Morgan County Georgia | 1 | $ 186,000 | $ 186,000 | $ 132,000 |
| Newton County Georgia | 1 | $ 148,000 | $ 148,000 | $ 69,000 |
| Oconee County Georgia | 1 | $ 144,000 | $ 144,000 | $ 46,000 |
| Paulding County Georgia | 1 | $ 362,000 | $ 362,000 | $ 87,000 |
| Walton County Georgia | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| Hillsborough County New Hampshire | 1 | $ 144,000 | $ 144,000 | $ 80,000 |
| Transylvania County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 91,000 |
| Abbeville County South Carolina | 1 | $ 220,000 | $ 220,000 | $ 120,000 |
| Anderson County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Berkeley County South Carolina | 1 | $ 137,000 | $ 137,000 | $ 25,000 |
| Dorchester County South Carolina | 1 | $ 183,000 | $ 183,000 | $ 96,000 |
| Georgetown County South Carolina | 1 | $ 52,000 | $ 52,000 | $ 70,000 |
| Greenville County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 168,000 |
| Laurens County South Carolina | 1 | $ 88,000 | $ 88,000 | $ 60,000 |
| Oconee County South Carolina | 1 | $ 232,000 | $ 232,000 | $ 57,000 |
| Blount County Tennessee | 1 | $ 88,000 | $ 88,000 | $ 95,000 |
| Bradley County Tennessee | 1 | $ 132,000 | $ 132,000 | $ 37,000 |
| Claiborne County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 77,000 |
| Hamilton County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 38,000 |
| Jefferson County Tennessee | 1 | $ 240,000 | $ 240,000 | $ 109,000 |
| Washington County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 16,000 |
| Grayson County Virginia | 1 | $ 78,000 | $ 78,000 | $ 134,000 |
| Raleigh County West Virginia | 1 | $ 273,000 | $ 273,000 | $ 165,000 |
| Lincoln County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Appalachian Community Bank 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 | 1,237 | $250,029,000 | $202,000 | $3,002,000 | $68,000 | $2,334,000 |
| Home Purchase | 259 | $46,389,000 | $179,000 | $3,401,000 | $64,000 | $662,000 |
| Home Improvement | 13 | $702,000 | $54,000 | $254,000 | $83,000 | $362,000 |
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 | 1,280 | $229,435,000 | $179,000 | $3,002,000 | $77,000 | $2,334,000 |
| Not applicable | 154 | $57,418,000 | $372,000 | $3,401,000 | $1,000 | $116,000 |
| Hispanic | 37 | $4,218,000 | $114,000 | $313,000 | $51,000 | $211,000 |
| Not Provided | 35 | $5,746,000 | $164,000 | $699,000 | $52,000 | $284,000 |
| Black or African American | 2 | $183,000 | $91,000 | $100,000 | $45,000 | $48,000 |
| Asian | 1 | $120,000 | $120,000 | $120,000 | $95,000 | $95,000 |
| 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) | 1,434 | $287,461,000 | $200,000 | $3,401,000 | $69,000 | $2,334,000 |
| FHA-insured (Federal Housing Administration) | 55 | $7,083,000 | $128,000 | $322,000 | $44,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,576,000 | $128,000 | $173,000 | $37,000 | $71,000 |
| 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 | 1,086 | $225,763,000 | $207,000 | $3,401,000 | $70,000 | $2,334,000 |
| Application Withdrawn By Applicant | 232 | $39,627,000 | $170,000 | $700,000 | $71,000 | $662,000 |
| Application Denied By Financial Institution | 189 | $29,784,000 | $157,000 | $417,000 | $49,000 | $250,000 |
| Application Approved But Not Accepted | 1 | $14,000 | $14,000 | $14,000 | $87,000 | $87,000 |
| Loan Purchased By The Institution | 1 | $1,932,000 | $1,932,000 | $1,932,000 | $108,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 Appalachian Community Bank'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 Appalachian Community Bank'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.