Crescent Bank & Trust Mortgage Lending & HMDA Data, 2003

In 2003, Crescent Bank & Trust of Jasper, GA reported 5,681 mortgage applications totaling $723.9 million. The average application was for $127,427, and applicants reported an average income of $67,447. 66% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Atlanta, GA (1,224), Charlotte-Gastonia-Rock Hill, NC-SC (283) and Knoxville, TN (124) (applications in parentheses).

Mortgage Company & Address Crescent Bank & Trust
P.O. Box 2020
Jasper, GA 30143
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 5,681
Total Mortgage Loan Application Amount $723,914,000
Average Mortgage Loan Application Amount $127,427
Highest Mortgage Loan Application Amount $1,300,000
Average Applicant Income $67,447
Highest Applicant Income $2,352,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Crescent Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Crescent Bank & Trust by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Catoosa, Georgia 127 $ 14,442,000 $ 113,716 $ 44,000
Pickens, Georgia 124 $ 16,623,000 $ 134,056 $ 79,000
Cherokee, Georgia 121 $ 16,630,000 $ 137,438 $ 59,000
Bartow, Georgia 119 $ 15,431,000 $ 129,672 $ 71,000
Lowndes, Georgia 119 $ 15,938,000 $ 133,932 $ 106,000
Nelson, Kentucky 114 $ 12,682,000 $ 111,245 $ 51,000
Etowah, Alabama 113 $ 13,843,000 $ 122,504 $ 48,000
Cobb, Georgia 112 $ 17,246,000 $ 153,982 $ 76,000
Fulton, Georgia 110 $ 22,505,000 $ 204,590 $ 86,000
Gwinnett, Georgia 110 $ 16,427,000 $ 149,336 $ 66,000
Gaston, North Carolina 98 $ 10,193,000 $ 104,010 $ 72,000
Hamblen, Tennessee 91 $ 7,965,000 $ 87,527 $ 45,000
Colquitt, Georgia 87 $ 8,453,000 $ 97,160 $ 44,000
Newton, Georgia 87 $ 10,777,000 $ 123,873 $ 55,000
Buncombe, North Carolina 87 $ 11,563,000 $ 132,908 $ 48,000
Iredell, North Carolina 84 $ 10,809,000 $ 128,678 $ 70,000
Grady, Georgia 78 $ 8,308,000 $ 106,512 $ 64,000
Whitfield, Georgia 76 $ 8,305,000 $ 109,276 $ 53,000
Rockdale, Georgia 71 $ 10,122,000 $ 142,563 $ 72,000
Chatham, Georgia 68 $ 8,721,000 $ 128,250 $ 64,000
DeKalb, Georgia 68 $ 12,111,000 $ 178,102 $ 84,000
Rowan, North Carolina 66 $ 8,206,000 $ 124,333 $ 77,000
Franklin, Kentucky 64 $ 7,426,000 $ 116,031 $ 67,000
Barrow, Georgia 62 $ 8,175,000 $ 131,854 $ 48,000
Thomas, Georgia 62 $ 7,830,000 $ 126,290 $ 65,000
Union, North Carolina 60 $ 7,741,000 $ 129,016 $ 45,000
Fayette, Kentucky 59 $ 9,094,000 $ 154,135 $ 104,000
Butts, Georgia 56 $ 7,396,000 $ 132,071 $ 43,000
Henry, Georgia 53 $ 6,439,000 $ 121,490 $ 125,000
Walker, Georgia 50 $ 5,460,000 $ 109,200 $ 53,000
Blount, Tennessee 46 $ 6,120,000 $ 133,043 $ 41,000
Carroll, Georgia 43 $ 5,841,000 $ 135,837 $ 79,000
Coffee, Georgia 43 $ 4,596,000 $ 106,883 $ 120,000
Whitley, Kentucky 43 $ 4,367,000 $ 101,558 $ 61,000
Sevier, Tennessee 42 $ 6,081,000 $ 144,785 $ 69,000
Ware, Georgia 41 $ 4,359,000 $ 106,317 $ 89,000
Monroe, Tennessee 41 $ 3,788,000 $ 92,390 $ 42,000
Hall, Georgia 40 $ 6,253,000 $ 156,325 $ 65,000
Jasper, Georgia 40 $ 5,650,000 $ 141,250 $ 62,000
DeSoto, Mississippi 40 $ 5,688,000 $ 142,200 $ 64,000
Decatur, Georgia 39 $ 4,866,000 $ 124,769 $ 98,000
Floyd, Georgia 39 $ 3,654,000 $ 93,692 $ 44,000
Forsyth, Georgia 39 $ 6,758,000 $ 173,282 $ 64,000
Shelby, Tennessee 39 $ 5,006,000 $ 128,358 $ 77,000
Hart, Georgia 38 $ 5,130,000 $ 135,000 $ 56,000
York, South Carolina 38 $ 4,025,000 $ 105,921 $ 48,000
Jefferson, Alabama 37 $ 4,879,000 $ 131,864 $ 62,000
Houston, Georgia 37 $ 4,028,000 $ 108,864 $ 111,000
Walton, Georgia 36 $ 5,596,000 $ 155,444 $ 90,000
Chilton, Alabama 35 $ 4,138,000 $ 118,228 $ 40,000
Darlington, South Carolina 34 $ 4,669,000 $ 137,323 $ 80,000
Hamilton, Tennessee 34 $ 5,009,000 $ 147,323 $ 91,000
Mobile, Alabama 33 $ 5,285,000 $ 160,151 $ 70,000
Jones, Georgia 33 $ 3,513,000 $ 106,454 $ 55,000
Tift, Georgia 33 $ 3,822,000 $ 115,818 $ 61,000
Columbia, Georgia 32 $ 4,162,000 $ 130,062 $ 55,000
Franklin, Georgia 32 $ 3,738,000 $ 116,812 $ 47,000
Morgan, Georgia 32 $ 5,158,000 $ 161,187 $ 53,000
Georgetown, South Carolina 32 $ 3,941,000 $ 123,156 $ 67,000
Mecklenburg, North Carolina 29 $ 4,561,000 $ 157,275 $ 61,000
Rabun, Georgia 27 $ 4,120,000 $ 152,592 $ 58,000
Union, Georgia 27 $ 2,795,000 $ 103,518 $ 45,000
Laurel, Kentucky 26 $ 2,327,000 $ 89,500 $ 50,000
Cabarrus, North Carolina 26 $ 3,483,000 $ 133,961 $ 58,000
Knox, Tennessee 26 $ 3,534,000 $ 135,923 $ 108,000
Bulloch, Georgia 25 $ 2,735,000 $ 109,400 $ 47,000
Troup, Georgia 25 $ 2,797,000 $ 111,880 $ 40,000
Elbert, Georgia 24 $ 3,326,000 $ 138,583 $ 75,000
Paulding, Georgia 24 $ 2,928,000 $ 122,000 $ 84,000
Barren, Kentucky 23 $ 2,609,000 $ 113,434 $ 47,000
Henderson, North Carolina 23 $ 2,601,000 $ 113,086 $ 30,000
Houston, Alabama 22 $ 3,685,000 $ 167,500 $ 68,000
Franklin, Florida 22 $ 3,167,000 $ 143,954 $ 76,000
Lumpkin, Georgia 22 $ 2,407,000 $ 109,409 $ 40,000
Cabell, West Virginia 22 $ 2,300,000 $ 104,545 $ 86,000
Lamar, Alabama 21 $ 2,177,000 $ 103,666 $ 56,000
Glynn, Georgia 21 $ 3,197,000 $ 152,238 $ 80,000
Shelby, Alabama 20 $ 3,294,000 $ 164,700 $ 54,000
Oldham, Kentucky 20 $ 2,846,000 $ 142,300 $ 70,000
Horry, South Carolina 20 $ 3,236,000 $ 161,800 $ 112,000
Ben Hill, Georgia 19 $ 1,687,000 $ 88,789 $ 49,000
Pierce, Georgia 19 $ 1,683,000 $ 88,578 $ 57,000
Woodford, Kentucky 19 $ 2,676,000 $ 140,842 $ 89,000
Warren, Kentucky 18 $ 2,116,000 $ 117,555 $ 63,000
Fannin, Georgia 17 $ 1,967,000 $ 115,705 $ 55,000
Gibson, Tennessee 17 $ 1,669,000 $ 98,176 $ 59,000
Lonoke, Arkansas 16 $ 1,637,000 $ 102,312 $ 51,000
Knox, Kentucky 16 $ 1,482,000 $ 92,625 $ 44,000
Richland, South Carolina 16 $ 2,043,000 $ 127,687 $ 48,000
Murray, Georgia 15 $ 1,665,000 $ 111,000 $ 42,000
Tattnall, Georgia 15 $ 1,395,000 $ 93,000 $ 77,000
Anderson, Kentucky 15 $ 1,723,000 $ 114,866 $ 68,000
Charleston, South Carolina 15 $ 2,230,000 $ 148,666 $ 53,000
Bibb, Georgia 14 $ 1,579,000 $ 112,785 $ 59,000
Emanuel, Georgia 14 $ 1,326,000 $ 94,714 $ 51,000
Putnam, Georgia 14 $ 2,079,000 $ 148,500 $ 71,000
Trimble, Kentucky 14 $ 1,393,000 $ 99,500 $ 32,000
Wayne, Mississippi 14 $ 1,509,000 $ 107,785 $ 64,000
Dawson, Georgia 13 $ 2,238,000 $ 172,153 $ 56,000
Jackson, Georgia 13 $ 1,579,000 $ 121,461 $ 58,000
Laurens, Georgia 13 $ 1,371,000 $ 105,461 $ 106,000
Muscogee, Georgia 13 $ 1,732,000 $ 133,230 $ 43,000
White, Georgia 13 $ 2,160,000 $ 166,153 $ 68,000
Adair, Kentucky 13 $ 1,275,000 $ 98,076 $ 32,000
Transylvania, North Carolina 13 $ 2,280,000 $ 175,384 $ 93,000
Marshall, Alabama 12 $ 926,000 $ 77,166 $ 41,000
Gulf, Florida 12 $ 1,097,000 $ 91,416 $ 64,000
Okaloosa, Florida 12 $ 2,824,000 $ 235,333 $ 149,000
Coweta, Georgia 12 $ 1,670,000 $ 139,166 $ 91,000
Douglas, Georgia 12 $ 1,435,000 $ 119,583 $ 82,000
Gilmer, Georgia 12 $ 1,781,000 $ 148,416 $ 84,000
Pike, Georgia 12 $ 1,307,000 $ 108,916 $ 65,000
New Hanover, North Carolina 12 $ 2,260,000 $ 188,333 $ 95,000
Baldwin, Alabama 11 $ 2,394,000 $ 217,636 $ 112,000
Cherokee, North Carolina 11 $ 1,364,000 $ 124,000 $ 56,000
Macon, North Carolina 11 $ 1,394,000 $ 126,727 $ 91,000
Clayton, Georgia 10 $ 1,438,000 $ 143,800 $ 51,000
Haralson, Georgia 10 $ 1,068,000 $ 106,800 $ 60,000
Monroe, Georgia 10 $ 1,064,000 $ 106,400 $ 33,000
Richmond, Georgia 10 $ 1,116,000 $ 111,600 $ 63,000
Scott, Kentucky 10 $ 1,225,000 $ 122,500 $ 65,000
McDowell, North Carolina 10 $ 903,000 $ 90,300 $ 44,000
Lexington, South Carolina 10 $ 1,496,000 $ 149,600 $ 75,000
Covington, Alabama 9 $ 927,000 $ 103,000 $ 85,000
Crisp, Georgia 9 $ 1,062,000 $ 118,000 $ 28,000
Gordon, Georgia 9 $ 1,101,000 $ 122,333 $ 79,000
Habersham, Georgia 9 $ 1,718,000 $ 190,888 $ 74,000
Irwin, Georgia 9 $ 624,000 $ 69,333 $ 44,000
Lamar, Georgia 9 $ 1,546,000 $ 171,777 $ 51,000
Lee, Georgia 9 $ 1,150,000 $ 127,777 $ 120,000
Stephens, Georgia 9 $ 1,586,000 $ 176,222 $ 106,000
Jessamine, Kentucky 9 $ 1,508,000 $ 167,555 $ 35,000
Greene, Mississippi 9 $ 812,000 $ 90,222 $ 37,000
Brunswick, North Carolina 9 $ 1,193,000 $ 132,555 $ 82,000
Jackson, North Carolina 9 $ 2,622,000 $ 291,333 $ 68,000
Watauga, North Carolina 9 $ 1,229,000 $ 136,555 $ 274,000
Jefferson, Tennessee 9 $ 642,000 $ 71,333 $ 27,000
Morgan, Alabama 8 $ 782,000 $ 97,750 $ 27,000
Randolph, Alabama 8 $ 593,000 $ 74,125 $ 75,000
Brooks, Georgia 8 $ 703,000 $ 87,875 $ 54,000
Camden, Georgia 8 $ 1,111,000 $ 138,875 $ 63,000
Mitchell, Georgia 8 $ 625,000 $ 78,125 $ 54,000
Towns, Georgia 8 $ 1,855,000 $ 231,875 $ 135,000
La Salle, Louisiana 8 $ 819,000 $ 102,375 $ 53,000
Lafayette, Mississippi 8 $ 1,387,000 $ 173,375 $ 154,000
Campbell, Tennessee 8 $ 1,243,000 $ 155,375 $ 129,000
Grainger, Tennessee 8 $ 708,000 $ 88,500 $ 23,000
Loudon, Tennessee 8 $ 1,432,000 $ 179,000 $ 106,000
Rutherford, Tennessee 8 $ 747,000 $ 93,375 $ 61,000
Lee, Alabama 7 $ 855,000 $ 122,142 $ 77,000
Walton, Florida 7 $ 1,581,000 $ 225,857 $ 188,000
Fayette, Georgia 7 $ 1,344,000 $ 192,000 $ 62,000
Meriwether, Georgia 7 $ 777,000 $ 111,000 $ 79,000
Wayne, Georgia 7 $ 1,109,000 $ 158,428 $ 82,000
Grayson, Kentucky 7 $ 736,000 $ 105,142 $ 49,000
Jefferson, Kentucky 7 $ 784,000 $ 112,000 $ 66,000
Larue, Kentucky 7 $ 718,000 $ 102,571 $ 60,000
Shelby, Kentucky 7 $ 1,126,000 $ 160,857 $ 89,000
Franklin, Ohio 7 $ 995,000 $ 142,142 $ 61,000
Aiken, South Carolina 7 $ 748,000 $ 106,857 $ 48,000
Madison, Tennessee 7 $ 657,000 $ 93,857 $ 48,000
McMinn, Tennessee 7 $ 760,000 $ 108,571 $ 53,000
St. Clair, Alabama 6 $ 743,000 $ 123,833 $ 86,000
Bay, Florida 6 $ 834,000 $ 139,000 $ 90,000
Appling, Georgia 6 $ 961,000 $ 160,166 $ 66,000
Brantley, Georgia 6 $ 512,000 $ 85,333 $ 62,000
Bryan, Georgia 6 $ 917,000 $ 152,833 $ 110,000
Harris, Georgia 6 $ 713,000 $ 118,833 $ 49,000
Liberty, Georgia 6 $ 891,000 $ 148,500 $ 92,000
Polk, Georgia 6 $ 726,000 $ 121,000 $ 52,000
Toombs, Georgia 6 $ 553,000 $ 92,166 $ 59,000
Boyle, Kentucky 6 $ 638,000 $ 106,333 $ 71,000
Clark, Kentucky 6 $ 784,000 $ 130,666 $ 72,000
Edmonson, Kentucky 6 $ 714,000 $ 119,000 $ 28,000
Harrison, Kentucky 6 $ 449,000 $ 74,833 $ 37,000
Lowndes, Mississippi 6 $ 863,000 $ 143,833 $ 90,000
Catawba, North Carolina 6 $ 983,000 $ 163,833 $ 64,000
Wood, West Virginia 6 $ 1,166,000 $ 194,333 $ 63,000
Calhoun, Alabama 5 $ 564,000 $ 112,800 $ 55,000
Elmore, Alabama 5 $ 535,000 $ 107,000 $ 12,000
Madison, Alabama 5 $ 670,000 $ 134,000 $ 52,000
Pulaski, Arkansas 5 $ 544,000 $ 108,800 $ 52,000
Brevard, Florida 5 $ 557,000 $ 111,400 $ 50,000
Hamilton, Florida 5 $ 490,000 $ 98,000 $ 75,000
Pulaski, Georgia 5 $ 604,000 $ 120,800 $ 90,000
Worth, Georgia 5 $ 428,000 $ 85,600 $ 86,000
Allen, Kentucky 5 $ 385,000 $ 77,000 $ 42,000
Bell, Kentucky 5 $ 350,000 $ 70,000 $ 52,000
Carroll, Kentucky 5 $ 551,000 $ 110,200 $ 83,000
Lauderdale, Mississippi 5 $ 631,000 $ 126,200 $ 46,000
Cleveland, North Carolina 5 $ 503,000 $ 100,600 $ 61,000
Lawrence, Ohio 5 $ 455,000 $ 91,000 $ 71,000
Beaufort, South Carolina 5 $ 647,000 $ 129,400 $ 39,000
Carroll, Tennessee 5 $ 184,000 $ 36,800 $ 49,000
Cocke, Tennessee 5 $ 389,000 $ 77,800 $ 36,000
Davidson, Tennessee 5 $ 666,000 $ 133,200 $ 86,000
Upshur, West Virginia 5 $ 446,000 $ 89,200 $ 52,000
Wayne, West Virginia 5 $ 721,000 $ 144,200 $ 91,000
Walker, Alabama 4 $ 519,000 $ 129,750 $ 45,000
Leon, Florida 4 $ 445,000 $ 111,250 $ 91,000
Nassau, Florida 4 $ 667,000 $ 166,750 $ 232,000
Atkinson, Georgia 4 $ 372,000 $ 93,000 $ 62,000
Charlton, Georgia 4 $ 534,000 $ 133,500 $ 82,000
Chattooga, Georgia 4 $ 387,000 $ 96,750 $ 58,000
Clarke, Georgia 4 $ 517,000 $ 129,250 $ 59,000
Dougherty, Georgia 4 $ 551,000 $ 137,750 $ 44,000
Greene, Georgia 4 $ 781,000 $ 195,250 $ 101,000
Jeff Davis, Georgia 4 $ 394,000 $ 98,500 $ 38,000
Madison, Georgia 4 $ 634,000 $ 158,500 $ 74,000
Peach, Georgia 4 $ 281,000 $ 70,250 $ 43,000
Spalding, Georgia 4 $ 332,000 $ 83,000 $ 90,000
Turner, Georgia 4 $ 301,000 $ 75,250 $ 57,000
Upson, Georgia 4 $ 600,000 $ 150,000 $ 57,000
Lincoln, Kentucky 4 $ 297,000 $ 74,250 $ 63,000
Montgomery, Kentucky 4 $ 512,000 $ 128,000 $ 53,000
Union, Kentucky 4 $ 253,000 $ 63,250 $ 36,000
Washington, Kentucky 4 $ 492,000 $ 123,000 $ 72,000
Rapides, Louisiana 4 $ 533,000 $ 133,250 $ 62,000
George, Mississippi 4 $ 382,000 $ 95,500 $ 49,000
Clay, North Carolina 4 $ 388,000 $ 97,000 $ 64,000
Lincoln, North Carolina 4 $ 426,000 $ 106,500 $ 52,000
Pender, North Carolina 4 $ 353,000 $ 88,250 $ 74,000
Pitt, North Carolina 4 $ 372,000 $ 93,000 $ 45,000
Anderson, South Carolina 4 $ 592,000 $ 148,000 $ 52,000
Marion, South Carolina 4 $ 380,000 $ 95,000 $ 64,000
Hawkins, Tennessee 4 $ 365,000 $ 91,250 $ 29,000
Autauga, Alabama 3 $ 273,000 $ 91,000 $ 59,000
Cherokee, Alabama 3 $ 514,000 $ 171,333 $ 58,000
Choctaw, Alabama 3 $ 223,000 $ 74,333 $ 0
Talladega, Alabama 3 $ 601,000 $ 200,333 $ 76,000
Cleburne, Arkansas 3 $ 324,000 $ 108,000 $ 49,000
Craighead, Arkansas 3 $ 432,000 $ 144,000 $ 48,000
Jefferson, Arkansas 3 $ 417,000 $ 139,000 $ 134,000
White, Arkansas 3 $ 278,000 $ 92,666 $ 35,000
Santa Rosa, Florida 3 $ 438,000 $ 146,000 $ 105,000
Baldwin, Georgia 3 $ 390,000 $ 130,000 $ 47,000
Banks, Georgia 3 $ 320,000 $ 106,666 $ 50,000
Berrien, Georgia 3 $ 400,000 $ 133,333 $ 66,000
Effingham, Georgia 3 $ 503,000 $ 167,666 $ 95,000
Heard, Georgia 3 $ 490,000 $ 163,333 $ 61,000
Johnson, Georgia 3 $ 383,000 $ 127,666 $ 98,000
Oconee, Georgia 3 $ 665,000 $ 221,666 $ 88,000
Wilcox, Georgia 3 $ 368,000 $ 122,666 $ 70,000
Wilkinson, Georgia 3 $ 608,000 $ 202,666 $ 83,000
Breckinridge, Kentucky 3 $ 193,000 $ 64,333 $ 48,000
Hardin, Kentucky 3 $ 249,000 $ 83,000 $ 73,000
Simpson, Kentucky 3 $ 284,000 $ 94,666 $ 42,000
Jones, Mississippi 3 $ 234,000 $ 78,000 $ 30,000
Forsyth, North Carolina 3 $ 370,000 $ 123,333 $ 50,000
Madison, North Carolina 3 $ 236,000 $ 78,666 $ 28,000
Hardeman, Tennessee 3 $ 268,000 $ 89,333 $ 29,000
Haywood, Tennessee 3 $ 255,000 $ 85,000 $ 48,000
Bibb, Alabama 2 $ 163,000 $ 81,500 $ 71,000
Blount, Alabama 2 $ 352,000 $ 176,000 $ 92,000
Butler, Alabama 2 $ 188,000 $ 94,000 $ 69,000
Dale, Alabama 2 $ 138,000 $ 69,000 $ 62,000
Dallas, Alabama 2 $ 166,000 $ 83,000 $ 26,000
DeKalb, Alabama 2 $ 235,000 $ 117,500 $ 69,000
Limestone, Alabama 2 $ 81,000 $ 40,500 $ 25,000
Marion, Alabama 2 $ 256,000 $ 128,000 $ 13,000
Benton, Arkansas 2 $ 241,000 $ 120,500 $ 90,000
Prairie, Arkansas 2 $ 211,000 $ 105,500 $ 79,000
Saline, Arkansas 2 $ 116,000 $ 58,000 $ 31,000
Duval, Florida 2 $ 251,000 $ 125,500 $ 49,000
Hillsborough, Florida 2 $ 162,000 $ 81,000 $ 77,000
Miami-Dade, Florida 2 $ 234,000 $ 117,000 $ 68,000
St. Johns, Florida 2 $ 412,000 $ 206,000 $ 206,000
Volusia, Florida 2 $ 386,000 $ 193,000 $ 114,000
Wakulla, Florida 2 $ 535,000 $ 267,500 $ 180,000
Bacon, Georgia 2 $ 495,000 $ 247,500 $ 135,000
Candler, Georgia 2 $ 147,000 $ 73,500 $ 62,000
Cook, Georgia 2 $ 106,000 $ 53,000 $ 61,000
Dade, Georgia 2 $ 112,000 $ 56,000 $ 35,000
Echols, Georgia 2 $ 217,000 $ 108,500 $ 53,000
Seminole, Georgia 2 $ 170,000 $ 85,000 $ 49,000
Sumter, Georgia 2 $ 144,000 $ 72,000 $ 67,000
Telfair, Georgia 2 $ 89,000 $ 44,500 $ 27,000
Bullitt, Kentucky 2 $ 220,000 $ 110,000 $ 50,000
Cumberland, Kentucky 2 $ 140,000 $ 70,000 $ 39,000
Garrard, Kentucky 2 $ 97,000 $ 48,500 $ 14,000
Grant, Kentucky 2 $ 157,000 $ 78,500 $ 124,000
Green, Kentucky 2 $ 132,000 $ 66,000 $ 42,000
Logan, Kentucky 2 $ 160,000 $ 80,000 $ 40,000
Monroe, Kentucky 2 $ 256,000 $ 128,000 $ 6,000
Muhlenberg, Kentucky 2 $ 115,000 $ 57,500 $ 34,000
Taylor, Kentucky 2 $ 188,000 $ 94,000 $ 48,000
Perry, Mississippi 2 $ 75,000 $ 37,500 $ 43,000
Anson, North Carolina 2 $ 331,000 $ 165,500 $ 71,000
Carteret, North Carolina 2 $ 244,000 $ 122,000 $ 74,000
Haywood, North Carolina 2 $ 276,000 $ 138,000 $ 30,000
Wake, North Carolina 2 $ 203,000 $ 101,500 $ 56,000
Chester, South Carolina 2 $ 178,000 $ 89,000 $ 47,000
Dillon, South Carolina 2 $ 146,000 $ 73,000 $ 47,000
Edgefield, South Carolina 2 $ 398,000 $ 199,000 $ 11,000
Florence, South Carolina 2 $ 239,000 $ 119,500 $ 118,000
Pickens, South Carolina 2 $ 63,000 $ 31,500 $ 66,000
Sumter, South Carolina 2 $ 128,000 $ 64,000 $ 45,000
Anderson, Tennessee 2 $ 194,000 $ 97,000 $ 13,000
Bradley, Tennessee 2 $ 205,000 $ 102,500 $ 52,000
Claiborne, Tennessee 2 $ 158,000 $ 79,000 $ 42,000
Marion, Tennessee 2 $ 195,000 $ 97,500 $ 49,000
Polk, Tennessee 2 $ 153,000 $ 76,500 $ 76,000
Scott, Tennessee 2 $ 228,000 $ 114,000 $ 44,000
Barbour, Alabama 1 $ 66,000 $ 66,000 $ 30,000
Chambers, Alabama 1 $ 59,000 $ 59,000 $ 23,000
Coffee, Alabama 1 $ 126,000 $ 126,000 $ 62,000
Crenshaw, Alabama 1 $ 40,000 $ 40,000 $ 27,000
Cullman, Alabama 1 $ 58,000 $ 58,000 $ 78,000
Escambia, Alabama 1 $ 200,000 $ 200,000 $ 20,000
Fayette, Alabama 1 $ 67,000 $ 67,000 $ 13,000
Hale, Alabama 1 $ 270,000 $ 270,000 $ 82,000
Henry, Alabama 1 $ 113,000 $ 113,000 $ 56,000
Lawrence, Alabama 1 $ 45,000 $ 45,000 $ 43,000
Montgomery, Alabama 1 $ 125,000 $ 125,000 $ 0
Tallapoosa, Alabama 1 $ 180,000 $ 180,000 $ 71,000
Tuscaloosa, Alabama 1 $ 115,000 $ 115,000 $ 113,000
Washington, Alabama 1 $ 154,000 $ 154,000 $ 44,000
Arkansas, Arkansas 1 $ 68,000 $ 68,000 $ 102,000
Crittenden, Arkansas 1 $ 107,000 $ 107,000 $ 63,000
Faulkner, Arkansas 1 $ 232,000 $ 232,000 $ 151,000
Union, Arkansas 1 $ 52,000 $ 52,000 $ 40,000
Washington, Arkansas 1 $ 120,000 $ 120,000 $ 60,000
Alachua, Florida 1 $ 75,000 $ 75,000 $ 0
Broward, Florida 1 $ 107,000 $ 107,000 $ 68,000
Calhoun, Florida 1 $ 204,000 $ 204,000 $ 134,000
Charlotte, Florida 1 $ 110,000 $ 110,000 $ 67,000
Clay, Florida 1 $ 107,000 $ 107,000 $ 141,000
DeSoto, Florida 1 $ 50,000 $ 50,000 $ 150,000
Dixie, Florida 1 $ 40,000 $ 40,000 $ 30,000
Highlands, Florida 1 $ 270,000 $ 270,000 $ 71,000
Holmes, Florida 1 $ 123,000 $ 123,000 $ 42,000
Lee, Florida 1 $ 42,000 $ 42,000 $ 39,000
Madison, Florida 1 $ 136,000 $ 136,000 $ 66,000
Monroe, Florida 1 $ 130,000 $ 130,000 $ 67,000
Orange, Florida 1 $ 93,000 $ 93,000 $ 0
Washington, Florida 1 $ 176,000 $ 176,000 $ 120,000
Baker, Georgia 1 $ 63,000 $ 63,000 $ 91,000
Burke, Georgia 1 $ 67,000 $ 67,000 $ 1,000
Clay, Georgia 1 $ 225,000 $ 225,000 $ 138,000
Crawford, Georgia 1 $ 82,000 $ 82,000 $ 64,000
Dooly, Georgia 1 $ 105,000 $ 105,000 $ 53,000
Early, Georgia 1 $ 69,000 $ 69,000 $ 41,000
Evans, Georgia 1 $ 230,000 $ 230,000 $ 148,000
Hancock, Georgia 1 $ 77,000 $ 77,000 $ 84,000
Jenkins, Georgia 1 $ 50,000 $ 50,000 $ 96,000
Lanier, Georgia 1 $ 115,000 $ 115,000 $ 66,000
Lincoln, Georgia 1 $ 108,000 $ 108,000 $ 84,000
Long, Georgia 1 $ 118,000 $ 118,000 $ 90,000
McIntosh, Georgia 1 $ 26,000 $ 26,000 $ 71,000
Montgomery, Georgia 1 $ 112,000 $ 112,000 $ 53,000
Screven, Georgia 1 $ 124,000 $ 124,000 $ 56,000
Wheeler, Georgia 1 $ 82,000 $ 82,000 $ 41,000
Wilkes, Georgia 1 $ 163,000 $ 163,000 $ 87,000
Floyd, Indiana 1 $ 167,000 $ 167,000 $ 67,000
Bourbon, Kentucky 1 $ 46,000 $ 46,000 $ 52,000
Caldwell, Kentucky 1 $ 70,000 $ 70,000 $ 71,000
Casey, Kentucky 1 $ 110,000 $ 110,000 $ 58,000
Christian, Kentucky 1 $ 99,000 $ 99,000 $ 65,000
Clinton, Kentucky 1 $ 76,000 $ 76,000 $ 23,000
Crittenden, Kentucky 1 $ 93,000 $ 93,000 $ 54,000
Daviess, Kentucky 1 $ 114,000 $ 114,000 $ 40,000
Estill, Kentucky 1 $ 59,000 $ 59,000 $ 45,000
Henderson, Kentucky 1 $ 175,000 $ 175,000 $ 50,000
Knott, Kentucky 1 $ 136,000 $ 136,000 $ 48,000
Lewis, Kentucky 1 $ 115,000 $ 115,000 $ 37,000
Lyon, Kentucky 1 $ 68,000 $ 68,000 $ 33,000
Madison, Kentucky 1 $ 50,000 $ 50,000 $ 1,000
Mercer, Kentucky 1 $ 145,000 $ 145,000 $ 41,000
Metcalfe, Kentucky 1 $ 51,000 $ 51,000 $ 25,000
Ohio, Kentucky 1 $ 48,000 $ 48,000 $ 56,000
Owen, Kentucky 1 $ 68,000 $ 68,000 $ 30,000
Rockcastle, Kentucky 1 $ 29,000 $ 29,000 $ 21,000
Russell, Kentucky 1 $ 346,000 $ 346,000 $ 246,000
Catahoula, Louisiana 1 $ 114,000 $ 114,000 $ 70,000
Prince George's, Maryland 1 $ 85,000 $ 85,000 $ 21,000
Adams, Mississippi 1 $ 224,000 $ 224,000 $ 88,000
Clarke, Mississippi 1 $ 56,000 $ 56,000 $ 51,000
Hinds, Mississippi 1 $ 124,000 $ 124,000 $ 73,000
Leake, Mississippi 1 $ 151,000 $ 151,000 $ 83,000
Lee, Mississippi 1 $ 104,000 $ 104,000 $ 15,000
Marshall, Mississippi 1 $ 147,000 $ 147,000 $ 67,000
Monroe, Mississippi 1 $ 73,000 $ 73,000 $ 106,000
Rankin, Mississippi 1 $ 139,000 $ 139,000 $ 117,000
Tunica, Mississippi 1 $ 112,000 $ 112,000 $ 51,000
Alleghany, North Carolina 1 $ 154,000 $ 154,000 $ 81,000
Ashe, North Carolina 1 $ 75,000 $ 75,000 $ 42,000
Chatham, North Carolina 1 $ 82,000 $ 82,000 $ 36,000
Davidson, North Carolina 1 $ 106,000 $ 106,000 $ 32,000
Johnston, North Carolina 1 $ 149,000 $ 149,000 $ 45,000
Polk, North Carolina 1 $ 143,000 $ 143,000 $ 1,000
Randolph, North Carolina 1 $ 144,000 $ 144,000 $ 47,000
Stanly, North Carolina 1 $ 70,000 $ 70,000 $ 60,000
Stokes, North Carolina 1 $ 93,000 $ 93,000 $ 59,000
Yancey, North Carolina 1 $ 100,000 $ 100,000 $ 84,000
Washington, Ohio 1 $ 77,000 $ 77,000 $ 55,000
Abbeville, South Carolina 1 $ 70,000 $ 70,000 $ 40,000
Barnwell, South Carolina 1 $ 116,000 $ 116,000 $ 1,000
Berkeley, South Carolina 1 $ 73,000 $ 73,000 $ 60,000
Cherokee, South Carolina 1 $ 100,000 $ 100,000 $ 64,000
Chesterfield, South Carolina 1 $ 225,000 $ 225,000 $ 81,000
Clarendon, South Carolina 1 $ 44,000 $ 44,000 $ 35,000
Greenville, South Carolina 1 $ 75,000 $ 75,000 $ 60,000
Kershaw, South Carolina 1 $ 140,000 $ 140,000 $ 131,000
Lancaster, South Carolina 1 $ 103,000 $ 103,000 $ 102,000
Laurens, South Carolina 1 $ 70,000 $ 70,000 $ 54,000
Oconee, South Carolina 1 $ 63,000 $ 63,000 $ 24,000
Spartanburg, South Carolina 1 $ 122,000 $ 122,000 $ 50,000
Bedford, Tennessee 1 $ 99,000 $ 99,000 $ 66,000
Benton, Tennessee 1 $ 240,000 $ 240,000 $ 50,000
Cannon, Tennessee 1 $ 90,000 $ 90,000 $ 0
Crockett, Tennessee 1 $ 44,000 $ 44,000 $ 28,000
Cumberland, Tennessee 1 $ 80,000 $ 80,000 $ 46,000
Franklin, Tennessee 1 $ 780,000 $ 780,000 $ 335,000
Maury, Tennessee 1 $ 101,000 $ 101,000 $ 54,000
Meigs, Tennessee 1 $ 159,000 $ 159,000 $ 78,000
Putnam, Tennessee 1 $ 45,000 $ 45,000 $ 46,000
Rhea, Tennessee 1 $ 75,000 $ 75,000 $ 56,000
Tipton, Tennessee 1 $ 80,000 $ 80,000 $ 18,000
Washington, Tennessee 1 $ 105,000 $ 105,000 $ 69,000
Weakley, Tennessee 1 $ 41,000 $ 41,000 $ 86,000
Williamson, Tennessee 1 $ 234,000 $ 234,000 $ 49,000
Wilson, Tennessee 1 $ 132,000 $ 132,000 $ 36,000
Craig, Virginia 1 $ 192,000 $ 192,000 $ 114,000
Lincoln, West Virginia 1 $ 47,000 $ 47,000 $ 41,000

Mortgage Loan Application Detail Totals for Crescent 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
Refinancing (home purchase or home improvement, one-to-four family) 4,657 $597,774,000 $129,928 $1,300,000 $70,428 $2,352,000
Home Purchase (one-to-four family) 1,015 $124,866,000 $124,846 $959,000 $65,692 $834,000
Home Improvement (one-to-four family) 7 $324,000 $46,000 $90,000 $58,000 $117,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 2 $950,000 $475,000 $900,000 $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 4,689 $597,642,000 $132,071 $1,300,000 $75,714 $1,018,000
Information not provided by applicant in mail or telephone application 754 $96,597,000 $117,416 $750,000 $41,083 $2,352,000
Black 131 $15,168,000 $89,888 $390,000 $51,444 $199,000
Hispanic 61 $6,086,000 $96,428 $323,000 $55,285 $489,000
Asian or Pacific Islander 17 $2,877,000 $213,500 $321,000 $160,250 $324,000
Other 15 $2,944,000 $204,333 $568,000 $109,333 $260,000
American Indian or Alaskan Native 11 $1,437,000 $157,333 $323,000 $75,833 $210,000
Not applicable 3 $1,163,000 $387,000 $900,000 $106,000 $320,000

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) 5,677 $723,502,000 $127,800 $1,300,000 $66,800 $2,352,000
FHA-insured (Federal Housing Administration) 4 $412,000 $106,500 $142,000 $39,500 $46,000
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 3,773 $469,738,000 $120,818 $959,000 $71,181 $1,018,000
Application Denied By Financial Institution 900 $120,276,000 $118,857 $1,300,000 $60,500 $759,000
Application Approved But Not Accepted 735 $98,295,000 $133,583 $1,000,000 $75,833 $2,352,000
Loan Purchased By The Institution 242 $30,607,000 $122,400 $504,000 $52,600 $456,000
Application Withdrawn By Applicant 28 $4,415,000 $157,000 $399,000 $71,000 $282,000
File Closed For Incompleteness 3 $583,000 $194,000 $235,000 $58,000 $66,000

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 342 $43,092,000 $107,818 $825,000 $52,363 $340,000
Collateral 226 $30,876,000 $115,666 $1,300,000 $70,416 $519,000
Other 154 $20,108,000 $133,222 $545,000 $68,888 $759,000
Insufficient Cash (Downpayment, Closing Cost) 105 $13,660,000 $126,818 $300,000 $60,000 $366,000
Debt-To-Income Ratio 56 $10,019,000 $151,428 $750,000 $61,285 $303,000
Employment History 16 $2,447,000 $174,833 $323,000 $90,666 $300,000
Credit Application Incomplete 1 $74,000 $74,000 $74,000 $64,000 $64,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Crescent 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 Crescent 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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