Charter Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Charter Bank & Trust of Marietta, GA reported 20 mortgage applications totaling $2.0 million. The average application was for $99,250, and applicants reported an average income of $166,000. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Atlanta, GA (19) and Macon, GA (1).
| Mortgage Company & Address | Charter Bank & Trust Po Box 1910 Marietta, GA 30060 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 20 |
| Total Mortgage Loan Application Amount | $1,985,000 |
| Average Mortgage Loan Application Amount | $99,250 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $166,000 |
| Highest Applicant Income | $1,099,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Charter Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cobb, Georgia | 8 | $ 932,000 | $ 116,500 | $ 148,000 |
| Paulding, Georgia | 4 | $ 350,000 | $ 87,500 | $ 42,000 |
| Fulton, Georgia | 3 | $ 199,000 | $ 66,333 | $ 481,000 |
| Bartow, Georgia | 1 | $ 14,000 | $ 14,000 | $ 128,000 |
| Cherokee, Georgia | 1 | $ 78,000 | $ 78,000 | $ 191,000 |
| DeKalb, Georgia | 1 | $ 146,000 | $ 146,000 | $ 109,000 |
| Houston, Georgia | 1 | $ 61,000 | $ 61,000 | $ 107,000 |
| Pickens, Georgia | 1 | $ 205,000 | $ 205,000 | $ 342,000 |
Mortgage Loan Application Detail Totals for Charter Bank & Trust 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) | 19 | $1,861,000 | $97,000 | $205,000 | $160,000 | $1,099,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 1 | $124,000 | $124,000 | $124,000 | $280,000 | $280,000 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 16 | $1,443,000 | $90,000 | $205,000 | $209,000 | $1,099,000 |
| Not applicable | 4 | $542,000 | $135,000 | $205,000 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 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) | 20 | $1,985,000 | $99,000 | $205,000 | $171,000 | $1,099,000 |
| 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 | 20 | $1,985,000 | $99,000 | $205,000 | $171,000 | $1,099,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 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 Charter Bank & Trust'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 Charter Bank & Trust'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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