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(HMDA) records Crescent Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta, GA | 1,224 | $ 179,828,000 | $ 146,918 | $ 74,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 283 | $ 34,610,000 | $ 122,296 | $ 64,000 |
| Knoxville, TN | 124 | $ 17,361,000 | $ 140,008 | $ 69,000 |
| Gadsden, AL | 113 | $ 13,843,000 | $ 122,504 | $ 48,000 |
| Lexington, KY | 105 | $ 15,383,000 | $ 146,504 | $ 83,000 |
| Asheville, NC | 90 | $ 11,799,000 | $ 131,100 | $ 46,000 |
| Macon, GA | 88 | $ 9,401,000 | $ 106,829 | $ 74,000 |
| Savannah, GA | 77 | $ 10,141,000 | $ 131,701 | $ 73,000 |
| Birmingham, AL | 65 | $ 9,268,000 | $ 142,584 | $ 63,000 |
| Mobile, AL | 44 | $ 7,679,000 | $ 174,522 | $ 86,000 |
| Augusta-Aiken, GA-SC | 42 | $ 5,278,000 | $ 125,666 | $ 57,000 |
| Memphis, TN-AR-MS | 40 | $ 5,086,000 | $ 127,150 | $ 72,000 |
| Chattanooga, TN-GA | 36 | $ 5,204,000 | $ 144,555 | $ 81,000 |
| Louisville, KY-IN | 29 | $ 3,850,000 | $ 132,758 | $ 67,000 |
| Huntington-Ashland, WV-KY-OH | 27 | $ 3,021,000 | $ 111,888 | $ 87,000 |
| Columbia, SC | 26 | $ 3,539,000 | $ 136,115 | $ 59,000 |
| Dothan, AL | 24 | $ 3,823,000 | $ 159,291 | $ 67,000 |
| Little Rock-North Little Rock, AR | 24 | $ 2,529,000 | $ 105,375 | $ 55,000 |
| Wilmington, NC | 21 | $ 3,453,000 | $ 164,428 | $ 89,000 |
| Myrtle Beach, SC | 20 | $ 3,236,000 | $ 161,800 | $ 112,000 |
| Columbus, GA-AL | 19 | $ 2,445,000 | $ 128,684 | $ 44,000 |
| Charleston-North Charleston, SC | 16 | $ 2,303,000 | $ 143,937 | $ 54,000 |
| Nashville, TN | 15 | $ 1,779,000 | $ 118,600 | $ 62,000 |
| Albany, GA | 13 | $ 1,701,000 | $ 130,846 | $ 88,000 |
| Fort Walton Beach, FL | 12 | $ 2,824,000 | $ 235,333 | $ 149,000 |
| Athens, GA | 11 | $ 1,816,000 | $ 165,090 | $ 72,000 |
| Decatur, AL | 9 | $ 827,000 | $ 91,888 | $ 29,000 |
| Greenville-Spartanburg-Anderson, SC | 9 | $ 952,000 | $ 105,777 | $ 57,000 |
| Jacksonville, FL | 9 | $ 1,437,000 | $ 159,666 | $ 175,000 |
| Montgomery, AL | 9 | $ 933,000 | $ 103,666 | $ 26,000 |
| Auburn-Opelika, AL | 7 | $ 855,000 | $ 122,142 | $ 77,000 |
| Columbus, OH | 7 | $ 995,000 | $ 142,142 | $ 61,000 |
| Huntsville, AL | 7 | $ 751,000 | $ 107,285 | $ 41,000 |
| Jackson, TN | 7 | $ 657,000 | $ 93,857 | $ 48,000 |
| Greensboro--Winston-Salem--High Point, NC | 6 | $ 713,000 | $ 118,833 | $ 48,000 |
| Hickory-Morganton-Lenoir, NC | 6 | $ 983,000 | $ 163,833 | $ 64,000 |
| Panama City, FL | 6 | $ 834,000 | $ 139,000 | $ 90,000 |
| Parkersburg-Marietta, WV-OH | 6 | $ 1,166,000 | $ 194,333 | $ 63,000 |
| Anniston, AL | 5 | $ 564,000 | $ 112,800 | $ 55,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 5 | $ 470,000 | $ 94,000 | $ 49,000 |
| Melbourne-Titusville-Palm Bay, FL | 5 | $ 557,000 | $ 111,400 | $ 50,000 |
| Alexandria, LA | 4 | $ 533,000 | $ 133,250 | $ 62,000 |
| Greenville, NC | 4 | $ 372,000 | $ 93,000 | $ 45,000 |
| Raleigh-Durham-Chapel Hill, NC | 4 | $ 434,000 | $ 108,500 | $ 48,000 |
| Tallahassee, FL | 4 | $ 445,000 | $ 111,250 | $ 91,000 |
| Fayetteville-Springdale-Rogers, AR | 3 | $ 361,000 | $ 120,333 | $ 80,000 |
| Jonesboro, AR | 3 | $ 432,000 | $ 144,000 | $ 48,000 |
| Pensacola, FL | 3 | $ 438,000 | $ 146,000 | $ 105,000 |
| Pine Bluff, AR | 3 | $ 417,000 | $ 139,000 | $ 134,000 |
| Daytona Beach, FL | 2 | $ 386,000 | $ 193,000 | $ 114,000 |
| Florence, SC | 2 | $ 239,000 | $ 119,500 | $ 118,000 |
| Jackson, MS | 2 | $ 263,000 | $ 131,500 | $ 95,000 |
| Miami, FL | 2 | $ 234,000 | $ 117,000 | $ 68,000 |
| Sumter, SC | 2 | $ 128,000 | $ 64,000 | $ 45,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 162,000 | $ 81,000 | $ 77,000 |
| Fort Lauderdale, FL | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Fort Myers-Cape Coral, FL | 1 | $ 42,000 | $ 42,000 | $ 39,000 |
| Gainesville, FL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Orlando, FL | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Owensboro, KY | 1 | $ 114,000 | $ 114,000 | $ 40,000 |
| Punta Gorda, FL | 1 | $ 110,000 | $ 110,000 | $ 67,000 |
| Tuscaloosa, AL | 1 | $ 115,000 | $ 115,000 | $ 113,000 |
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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