Charterbank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Charterbank 2014 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 | Charterbank 1233 O.G. Skinner Drive West Point, GA 31833 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 474 |
| Total Mortgage Loan Application Amount | $77,591,000 |
| Average Mortgage Loan Application Amount | $163,500 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $109,500 |
| Highest Applicant Income | $2,046,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with Charterbank. 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 Charterbank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down Charterbank'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 Charterbank serves its applicants.
Each category highlights the total number of mortgage applications processed by Charterbank, 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 Charterbank's mortgage activity for 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Troup County Georgia | 130 | $ 18,062,000 | $ 138,000 | $ 100,000 |
| Lee County Alabama | 111 | $ 25,536,000 | $ 230,000 | $ 119,000 |
| Chambers County Alabama | 71 | $ 6,139,000 | $ 86,000 | $ 55,000 |
| Coweta County Georgia | 45 | $ 7,712,000 | $ 171,000 | $ 92,000 |
| Carroll County Georgia | 39 | $ 6,050,000 | $ 155,000 | $ 102,000 |
| Harris County Georgia | 11 | $ 1,842,000 | $ 167,000 | $ 86,000 |
| Santa Rosa County Florida | 9 | $ 1,340,000 | $ 148,000 | $ 198,000 |
| Douglas County Georgia | 8 | $ 1,239,000 | $ 154,000 | $ 69,000 |
| Heard County Georgia | 4 | $ 409,000 | $ 102,000 | $ 86,000 |
| Meriwether County Georgia | 4 | $ 247,000 | $ 61,000 | $ 78,000 |
| Baldwin County Alabama | 3 | $ 594,000 | $ 198,000 | $ 199,000 |
| Fayette County Georgia | 3 | $ 522,000 | $ 174,000 | $ 118,000 |
| Haralson County Georgia | 3 | $ 365,000 | $ 121,000 | $ 63,000 |
| Elmore County Alabama | 2 | $ 411,000 | $ 205,000 | $ 99,000 |
| Jefferson County Alabama | 2 | $ 616,000 | $ 308,000 | $ 186,000 |
| Montgomery County Alabama | 2 | $ 288,000 | $ 144,000 | $ 102,000 |
| Tallapoosa County Alabama | 2 | $ 797,000 | $ 398,000 | $ 145,000 |
| Okaloosa County Florida | 2 | $ 545,000 | $ 272,000 | $ 652,000 |
| Cobb County Georgia | 2 | $ 369,000 | $ 184,000 | $ 65,000 |
| Paulding County Georgia | 2 | $ 223,000 | $ 111,000 | $ 45,000 |
| Autauga County Alabama | 1 | $ 59,000 | $ 59,000 | $ 111,000 |
| Cleburne County Alabama | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Madison County Alabama | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Mobile County Alabama | 1 | $ 417,000 | $ 417,000 | $ 166,000 |
| Randolph County Alabama | 1 | $ 91,000 | $ 91,000 | $ 62,000 |
| Russell County Alabama | 1 | $ 31,000 | $ 31,000 | $ 174,000 |
| Bay County Florida | 1 | $ 295,000 | $ 295,000 | $ 173,000 |
| Escambia County Florida | 1 | $ 324,000 | $ 324,000 | $ 1,067,000 |
| Bibb County Georgia | 1 | $ 126,000 | $ 126,000 | $ 118,000 |
| Clarke County Georgia | 1 | $ 80,000 | $ 80,000 | $ 254,000 |
| DeKalb County Georgia | 1 | $ 260,000 | $ 260,000 | $ 62,000 |
| Fannin County Georgia | 1 | $ 134,000 | $ 134,000 | $ 58,000 |
| Forsyth County Georgia | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Fulton County Georgia | 1 | $ 417,000 | $ 417,000 | $ 124,000 |
| Muscogee County Georgia | 1 | $ 290,000 | $ 290,000 | $ 215,000 |
| Pike County Georgia | 1 | $ 119,000 | $ 119,000 | $ 65,000 |
| Rabun County Georgia | 1 | $ 450,000 | $ 450,000 | $ 2,046,000 |
| Avery County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Beaufort County South Carolina | 1 | $ 627,000 | $ 627,000 | $ 593,000 |
Mortgage Loan Application Detail Totals for Charterbank in 2014
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 | 261 | $41,450,000 | $158,000 | $627,000 | $98,000 | $1,180,000 |
| Refinancing | 213 | $36,141,000 | $169,000 | $800,000 | $121,000 | $2,046,000 |
| Home Improvement | 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 | 417 | $71,635,000 | $171,000 | $800,000 | $110,000 | $2,046,000 |
| Black or African American | 42 | $3,980,000 | $94,000 | $394,000 | $54,000 | $307,000 |
| Asian | 10 | $1,355,000 | $135,000 | $404,000 | $130,000 | $525,000 |
| Not Provided | 3 | $416,000 | $138,000 | $181,000 | $348,000 | $960,000 |
| Hispanic | 2 | $205,000 | $102,000 | $110,000 | $561,000 | $1,090,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 432 | $73,318,000 | $169,000 | $800,000 | $115,000 | $2,046,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,244,000 | $106,000 | $181,000 | $41,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,523,000 | $84,000 | $178,000 | $34,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 3 | $506,000 | $168,000 | $215,000 | $102,000 | $182,000 |
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 | 366 | $63,106,000 | $172,000 | $800,000 | $117,000 | $2,046,000 |
| Application Withdrawn By Applicant | 52 | $7,296,000 | $140,000 | $644,000 | $92,000 | $960,000 |
| Application Denied By Financial Institution | 50 | $6,292,000 | $125,000 | $417,000 | $60,000 | $215,000 |
| Application Approved But Not Accepted | 6 | $897,000 | $149,000 | $320,000 | $144,000 | $307,000 |
| 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 | 15 | $1,581,000 | $105,000 | $253,000 | $57,000 | $182,000 |
| Debt-To-Income Ratio | 15 | $2,161,000 | $144,000 | $417,000 | $44,000 | $124,000 |
| Collateral | 8 | $965,000 | $120,000 | $358,000 | $52,000 | $79,000 |
| Other | 7 | $1,028,000 | $146,000 | $290,000 | $104,000 | $215,000 |
| Unverifiable Information | 2 | $215,000 | $107,000 | $150,000 | $50,000 | $81,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $34,000 | $34,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $267,000 | $267,000 | $267,000 | $145,000 | $145,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charterbank's 2014 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 Charterbank'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.