Community Bank & Trust-West Ga Mortgage Lending & HMDA Data, 2006
In 2006, Community Bank & Trust-West Ga of Lagrange, GA reported 331 mortgage applications totaling $28.7 million, up 10% from 2005. The average application was for $86,764, and applicants reported an average income of $85,383. 94% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Columbus, GA-AL (253), Auburn-Opelika, AL (8) and Atlanta-Sandy Springs-Marietta, GA (2) (applications in parentheses).
| Mortgage Company & Address | Community Bank & Trust-West Ga 201 Broad Street Lagrange, GA 30240 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 331 |
| Total Mortgage Loan Application Amount | $28,719,000 |
| Average Mortgage Loan Application Amount | $86,764 |
| Highest Mortgage Loan Application Amount | $1,281,000 |
| Average Applicant Income | $85,383 |
| Highest Applicant Income | $648,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community Bank & Trust-West Ga filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Community Bank & Trust-West Ga in 2006
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 | 179 | $15,358,000 | $85,000 | $1,031,000 | $86,000 | $622,000 |
| Refinancing | 137 | $12,931,000 | $94,000 | $1,281,000 | $89,000 | $648,000 |
| Home Improvement | 15 | $430,000 | $28,000 | $140,000 | $45,000 | $101,000 |
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 | 227 | $17,374,000 | $76,000 | $292,000 | $104,000 | $648,000 |
| Not applicable | 46 | $7,139,000 | $155,000 | $1,281,000 | $12,000 | $216,000 |
| Black or African American | 45 | $2,864,000 | $63,000 | $156,000 | $69,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $751,000 | $125,000 | $250,000 | $62,000 | $103,000 |
| Hispanic | 4 | $304,000 | $76,000 | $140,000 | $59,000 | $99,000 |
| Asian | 3 | $287,000 | $95,000 | $182,000 | $55,000 | $65,000 |
| American Indian or Alaskan Native | 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) | 331 | $28,719,000 | $86,000 | $1,281,000 | $85,000 | $648,000 |
| 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 | 312 | $27,326,000 | $87,000 | $1,281,000 | $84,000 | $648,000 |
| Application Withdrawn By Applicant | 11 | $1,008,000 | $91,000 | $190,000 | $116,000 | $413,000 |
| Application Denied By Financial Institution | 6 | $278,000 | $46,000 | $105,000 | $40,000 | $86,000 |
| Application Approved But Not Accepted | 2 | $107,000 | $53,000 | $60,000 | $160,000 | $290,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Community Bank & Trust-West Ga's 2006 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 Community Bank & Trust-West Ga'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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