Community Bank & Trust-West Ga Mortgage Lending & HMDA Data, 2010
In 2010, Community Bank & Trust-West Ga of Lagrange, GA reported 128 mortgage applications totaling $12.7 million, down 31% from 2009. The average application was for $99,132, and applicants reported an average income of $81,390. 99% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Columbus, GA-AL (88), Auburn-Opelika, AL (5) 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 | 128 |
| Total Mortgage Loan Application Amount | $12,689,000 |
| Average Mortgage Loan Application Amount | $99,132 |
| Highest Mortgage Loan Application Amount | $406,000 |
| Average Applicant Income | $81,390 |
| Highest Applicant Income | $658,000 |
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records Community Bank & Trust-West Ga filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 112 | $10,756,000 | $96,000 | $406,000 | $83,000 | $658,000 |
| Home Purchase | 15 | $1,917,000 | $127,000 | $340,000 | $71,000 | $132,000 |
| Home Improvement | 1 | $16,000 | $16,000 | $16,000 | $57,000 | $57,000 |
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 | 83 | $8,796,000 | $105,000 | $406,000 | $97,000 | $658,000 |
| Black or African American | 23 | $1,966,000 | $85,000 | $340,000 | $94,000 | $373,000 |
| Not applicable | 19 | $1,605,000 | $84,000 | $207,000 | $0 | $0 |
| Hispanic | 2 | $200,000 | $100,000 | $110,000 | $25,000 | $28,000 |
| American Indian or Alaskan Native | 1 | $122,000 | $122,000 | $122,000 | $111,000 | $111,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 128 | $12,689,000 | $99,000 | $406,000 | $81,000 | $658,000 |
| 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 | 127 | $12,664,000 | $99,000 | $406,000 | $82,000 | $658,000 |
| Application Denied By Financial Institution | 1 | $25,000 | $25,000 | $25,000 | $37,000 | $37,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 1 | $25,000 | $25,000 | $25,000 | $37,000 | $37,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Bank & Trust-West Ga's 2010 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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