Gainesville Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Gainesville Bank & Trust 2006 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 | Gainesville Bank & Trust 500 Jesse Jewell Parkway Gainesville, GA 30501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 389 |
| Total Mortgage Loan Application Amount | $60,074,000 |
| Average Mortgage Loan Application Amount | $141,333 |
| Highest Mortgage Loan Application Amount | $10,679,000 |
| Average Applicant Income | $123,000 |
| Highest Applicant Income | $3,274,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Gainesville Bank & Trust. 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 Gainesville Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Gainesville Bank & Trust'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 Gainesville Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by Gainesville Bank & Trust, 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 Gainesville Bank & Trust's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hall County Georgia | 222 | $ 23,989,000 | $ 108,000 | $ 111,000 |
| Lumpkin County Georgia | 81 | $ 7,065,000 | $ 87,000 | $ 71,000 |
| Clarke County Georgia | 14 | $ 12,541,000 | $ 895,000 | $ 633,000 |
| Jackson County Georgia | 11 | $ 1,908,000 | $ 173,000 | $ 191,000 |
| White County Georgia | 7 | $ 913,000 | $ 130,000 | $ 111,000 |
| Fulton County Georgia | 6 | $ 1,711,000 | $ 285,000 | $ 205,000 |
| Gwinnett County Georgia | 5 | $ 3,836,000 | $ 767,000 | $ 141,000 |
| Forsyth County Georgia | 4 | $ 279,000 | $ 69,000 | $ 6,000 |
| Gilmer County Georgia | 4 | $ 1,854,000 | $ 463,000 | $ 57,000 |
| Dawson County Georgia | 3 | $ 292,000 | $ 97,000 | $ 74,000 |
| Habersham County Georgia | 3 | $ 433,000 | $ 144,000 | $ 85,000 |
| Morgan County Georgia | 3 | $ 1,519,000 | $ 506,000 | $ 18,000 |
| Banks County Georgia | 2 | $ 51,000 | $ 25,000 | $ 52,000 |
| Cobb County Georgia | 2 | $ 221,000 | $ 110,000 | $ 606,000 |
| DeKalb County Georgia | 2 | $ 323,000 | $ 161,000 | $ 593,000 |
| Franklin County Georgia | 2 | $ 385,000 | $ 192,000 | $ 0 |
| Oconee County Georgia | 2 | $ 235,000 | $ 117,000 | $ 203,000 |
| Walton County Georgia | 2 | $ 200,000 | $ 100,000 | $ 77,000 |
| Baldwin County Alabama | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| DeKalb County Alabama | 1 | $ 99,000 | $ 99,000 | $ 468,000 |
| Barrow County Georgia | 1 | $ 20,000 | $ 20,000 | $ 17,000 |
| Glynn County Georgia | 1 | $ 238,000 | $ 238,000 | $ 148,000 |
| Jones County Georgia | 1 | $ 312,000 | $ 312,000 | $ 857,000 |
| Madison County Georgia | 1 | $ 113,000 | $ 113,000 | $ 122,000 |
| Oglethorpe County Georgia | 1 | $ 39,000 | $ 39,000 | $ 109,000 |
| Stephens County Georgia | 1 | $ 390,000 | $ 390,000 | $ 178,000 |
| Worth County Georgia | 1 | $ 139,000 | $ 139,000 | $ 83,000 |
| Harrison County Mississippi | 1 | $ 102,000 | $ 102,000 | $ 400,000 |
| Gaston County North Carolina | 1 | $ 328,000 | $ 328,000 | $ 68,000 |
| Nash County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 124,000 |
| Monroe County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Horry County South Carolina | 1 | $ 304,000 | $ 304,000 | $ 219,000 |
Mortgage Loan Application Detail Totals for Gainesville Bank & Trust 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 |
|---|---|---|---|---|---|---|
| Refinancing | 242 | $42,284,000 | $174,000 | $10,679,000 | $142,000 | $2,423,000 |
| Home Improvement | 77 | $2,559,000 | $33,000 | $350,000 | $79,000 | $646,000 |
| Home Purchase | 70 | $15,231,000 | $217,000 | $3,528,000 | $148,000 | $3,274,000 |
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 | 285 | $30,551,000 | $107,000 | $3,528,000 | $163,000 | $3,274,000 |
| Not applicable | 45 | $25,225,000 | $560,000 | $10,679,000 | $0 | $0 |
| Hispanic | 43 | $2,228,000 | $51,000 | $376,000 | $63,000 | $334,000 |
| Not Provided | 7 | $1,386,000 | $198,000 | $775,000 | $114,000 | $400,000 |
| Black or African American | 6 | $294,000 | $49,000 | $142,000 | $69,000 | $114,000 |
| Asian | 3 | $390,000 | $130,000 | $225,000 | $118,000 | $249,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 389 | $60,074,000 | $154,000 | $10,679,000 | $131,000 | $3,274,000 |
| 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 | 354 | $57,969,000 | $163,000 | $10,679,000 | $138,000 | $3,274,000 |
| Application Denied By Financial Institution | 30 | $1,693,000 | $56,000 | $775,000 | $55,000 | $202,000 |
| Application Withdrawn By Applicant | 5 | $412,000 | $82,000 | $170,000 | $77,000 | $243,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Gainesville Bank & Trust'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 Gainesville 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.