Flag Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Flag Bank 2004 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 | Flag Bank 3475 Piedmont Road, Ne Suite 550 Atlanta, GA 30305 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,300 |
| Total Mortgage Loan Application Amount | $136,937,000 |
| Average Mortgage Loan Application Amount | $109,500 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $78,500 |
| Highest Applicant Income | $1,900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Flag Bank. 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 Flag Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Flag Bank'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 Flag Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Flag Bank, 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 Flag Bank's mortgage activity for 2004.
| 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 | 385 | $ 35,992,000 | $ 93,000 | $ 58,000 |
| Muscogee County Georgia | 176 | $ 18,939,000 | $ 107,000 | $ 48,000 |
| Dooly County Georgia | 103 | $ 4,783,000 | $ 46,000 | $ 48,000 |
| Coweta County Georgia | 102 | $ 13,677,000 | $ 134,000 | $ 56,000 |
| Macon County Georgia | 82 | $ 4,786,000 | $ 58,000 | $ 52,000 |
| Marion County Georgia | 39 | $ 2,349,000 | $ 60,000 | $ 51,000 |
| Fulton County Georgia | 32 | $ 9,366,000 | $ 292,000 | $ 247,000 |
| Harris County Georgia | 29 | $ 3,836,000 | $ 132,000 | $ 85,000 |
| Lee County Alabama | 25 | $ 2,960,000 | $ 118,000 | $ 58,000 |
| Meriwether County Georgia | 24 | $ 2,231,000 | $ 92,000 | $ 110,000 |
| Sumter County Georgia | 24 | $ 2,390,000 | $ 99,000 | $ 37,000 |
| Cobb County Georgia | 19 | $ 3,471,000 | $ 182,000 | $ 271,000 |
| Schley County Georgia | 17 | $ 2,315,000 | $ 136,000 | $ 63,000 |
| Russell County Alabama | 16 | $ 1,772,000 | $ 110,000 | $ 49,000 |
| Crisp County Georgia | 16 | $ 1,457,000 | $ 91,000 | $ 33,000 |
| DeKalb County Georgia | 16 | $ 3,107,000 | $ 194,000 | $ 165,000 |
| Chambers County Alabama | 14 | $ 2,035,000 | $ 145,000 | $ 49,000 |
| Bibb County Georgia | 14 | $ 1,625,000 | $ 116,000 | $ 86,000 |
| Houston County Georgia | 12 | $ 526,000 | $ 43,000 | $ 97,000 |
| Fayette County Georgia | 10 | $ 1,782,000 | $ 178,000 | $ 80,000 |
| Heard County Georgia | 9 | $ 666,000 | $ 74,000 | $ 35,000 |
| Bay County Florida | 7 | $ 1,021,000 | $ 145,000 | $ 121,000 |
| Cherokee County Georgia | 7 | $ 575,000 | $ 82,000 | $ 73,000 |
| Pulaski County Georgia | 6 | $ 202,000 | $ 33,000 | $ 23,000 |
| Carroll County Georgia | 5 | $ 412,000 | $ 82,000 | $ 92,000 |
| Gwinnett County Georgia | 5 | $ 1,210,000 | $ 242,000 | $ 123,000 |
| Paulding County Georgia | 5 | $ 673,000 | $ 134,000 | $ 59,000 |
| Stewart County Georgia | 5 | $ 245,000 | $ 49,000 | $ 56,000 |
| Walton County Florida | 4 | $ 745,000 | $ 186,000 | $ 167,000 |
| Upson County Georgia | 4 | $ 142,000 | $ 35,000 | $ 81,000 |
| Douglas County Georgia | 3 | $ 532,000 | $ 177,000 | $ 45,000 |
| Spalding County Georgia | 3 | $ 311,000 | $ 103,000 | $ 34,000 |
| Taylor County Georgia | 3 | $ 183,000 | $ 61,000 | $ 36,000 |
| Webster County Georgia | 3 | $ 205,000 | $ 68,000 | $ 21,000 |
| Randolph County Alabama | 2 | $ 154,000 | $ 77,000 | $ 25,000 |
| Pasco County Florida | 2 | $ 145,000 | $ 72,000 | $ 53,000 |
| Volusia County Florida | 2 | $ 158,000 | $ 79,000 | $ 54,000 |
| Hall County Georgia | 2 | $ 535,000 | $ 267,000 | $ 153,000 |
| Lee County Georgia | 2 | $ 101,000 | $ 50,000 | $ 27,000 |
| Monroe County Georgia | 2 | $ 435,000 | $ 217,000 | $ 107,000 |
| Putnam County Georgia | 2 | $ 240,000 | $ 120,000 | $ 49,000 |
| Rabun County Georgia | 2 | $ 605,000 | $ 302,000 | $ 163,000 |
| Talbot County Georgia | 2 | $ 39,000 | $ 19,000 | $ 62,000 |
| Barbour County Alabama | 1 | $ 140,000 | $ 140,000 | $ 53,000 |
| Clay County Alabama | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
| Elmore County Alabama | 1 | $ 277,000 | $ 277,000 | $ 156,000 |
| Geneva County Alabama | 1 | $ 79,000 | $ 79,000 | $ 85,000 |
| Madison County Alabama | 1 | $ 198,000 | $ 198,000 | $ 43,000 |
| Tallapoosa County Alabama | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Escambia County Florida | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Lee County Florida | 1 | $ 318,000 | $ 318,000 | $ 87,000 |
| Atkinson County Georgia | 1 | $ 262,000 | $ 262,000 | $ 75,000 |
| Bartow County Georgia | 1 | $ 100,000 | $ 100,000 | $ 107,000 |
| Catoosa County Georgia | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Clarke County Georgia | 1 | $ 150,000 | $ 150,000 | $ 200,000 |
| Clayton County Georgia | 1 | $ 98,000 | $ 98,000 | $ 49,000 |
| Colquitt County Georgia | 1 | $ 62,000 | $ 62,000 | $ 110,000 |
| Crawford County Georgia | 1 | $ 75,000 | $ 75,000 | $ 99,000 |
| Dawson County Georgia | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Dodge County Georgia | 1 | $ 13,000 | $ 13,000 | $ 49,000 |
| Forsyth County Georgia | 1 | $ 208,000 | $ 208,000 | $ 58,000 |
| Franklin County Georgia | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Morgan County Georgia | 1 | $ 66,000 | $ 66,000 | $ 88,000 |
| Peach County Georgia | 1 | $ 108,000 | $ 108,000 | $ 85,000 |
| Pickens County Georgia | 1 | $ 468,000 | $ 468,000 | $ 960,000 |
| Pike County Georgia | 1 | $ 334,000 | $ 334,000 | $ 133,000 |
| Richmond County Georgia | 1 | $ 248,000 | $ 248,000 | $ 80,000 |
| Stephens County Georgia | 1 | $ 450,000 | $ 450,000 | $ 150,000 |
| Turner County Georgia | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Anderson County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 12,000 |
| Charleston County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 48,000 |
| Oconee County South Carolina | 1 | $ 96,000 | $ 96,000 | $ 91,000 |
| Richland County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Ector County Texas | 1 | $ 74,000 | $ 74,000 | $ 168,000 |
Mortgage Loan Application Detail Totals for Flag Bank in 2004
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 | 651 | $74,627,000 | $117,666 | $1,500,000 | $83,500 | $1,900,000 |
| Refinancing | 572 | $57,874,000 | $109,250 | $850,000 | $76,750 | $960,000 |
| Home Improvement | 77 | $4,436,000 | $85,500 | $1,500,000 | $67,000 | $1,568,000 |
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 | 975 | $110,246,000 | $118,500 | $1,500,000 | $89,666 | $1,900,000 |
| Black or African American | 242 | $18,941,000 | $104,000 | $373,000 | $47,333 | $208,000 |
| Not Provided | 27 | $2,304,000 | $86,250 | $177,000 | $44,500 | $778,000 |
| Hispanic | 25 | $2,554,000 | $90,333 | $198,000 | $36,666 | $157,000 |
| Not applicable | 13 | $1,106,000 | $75,000 | $236,000 | $98,333 | $723,000 |
| Asian | 11 | $1,062,000 | $85,000 | $196,000 | $24,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $500,000 | $100,000 | $165,000 | $53,000 | $71,000 |
| American Indian or Alaskan Native | 2 | $224,000 | $112,000 | $124,000 | $83,000 | $107,000 |
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) | 1,064 | $109,318,000 | $112,333 | $1,500,000 | $84,666 | $1,900,000 |
| FHA-insured (Federal Housing Administration) | 149 | $15,409,000 | $100,666 | $281,000 | $40,333 | $129,000 |
| VA-guaranteed (Veterans Administration) | 87 | $12,210,000 | $134,000 | $323,000 | $49,333 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,030 | $111,203,000 | $124,500 | $1,500,000 | $80,750 | $1,900,000 |
| Application Denied By Financial Institution | 114 | $9,541,000 | $87,666 | $345,000 | $31,666 | $208,000 |
| Application Withdrawn By Applicant | 99 | $10,384,000 | $110,500 | $373,000 | $97,250 | $778,000 |
| File Closed For Incompleteness | 16 | $1,702,000 | $154,500 | $281,000 | $55,000 | $71,000 |
| Preapproval Approved but not Accepted | 16 | $2,078,000 | $129,000 | $396,000 | $47,000 | $240,000 |
| Preapproval Denied by Financial Institution | 11 | $1,004,000 | $91,000 | $141,000 | $32,000 | $54,000 |
| Application Approved But Not Accepted | 8 | $750,000 | $85,000 | $155,000 | $52,500 | $197,000 |
| Loan Purchased By The Institution | 6 | $275,000 | $45,000 | $60,000 | $6,000 | $46,000 |
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 | 78 | $6,335,000 | $107,333 | $334,000 | $44,666 | $114,000 |
| Debt-To-Income Ratio | 19 | $1,416,000 | $69,500 | $177,000 | $18,500 | $74,000 |
| Collateral | 12 | $1,129,000 | $72,000 | $148,000 | $42,500 | $119,000 |
| Other | 9 | $768,000 | $73,000 | $164,000 | $44,666 | $208,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $593,000 | $117,500 | $345,000 | $37,500 | $72,000 |
| Employment History | 2 | $150,000 | $75,000 | $100,000 | $20,000 | $40,000 |
| Credit Application Incomplete | 1 | $154,000 | $154,000 | $154,000 | $30,000 | $30,000 |
| 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 Flag Bank's 2004 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 Flag Bank'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.