Georgia B&Tc of Augusta Mortgage Lending & HMDA Data, 2016
In 2016, Georgia B&Tc of Augusta of Augusta, GA reported 2,019 mortgage applications totaling $383.5 million, up 7% from 2015. The average application was for $189,943, and applicants reported an average income of $96,129. 84% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Augusta-Richmond County, GA-SC (1,735), Savannah, GA (135) and Hinesville, GA (49) (applications in parentheses).
| Mortgage Company & Address | Georgia B&Tc of Augusta P O Box 15367 Augusta, GA 30919 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 | 2,019 |
| Total Mortgage Loan Application Amount | $383,495,000 |
| Average Mortgage Loan Application Amount | $189,943 |
| Highest Mortgage Loan Application Amount | $6,500,000 |
| Average Applicant Income | $96,129 |
| Highest Applicant Income | $6,996,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Georgia B&Tc of Augusta filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Georgia B&Tc of Augusta in 2016
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 | 1,489 | $305,225,000 | $204,000 | $6,500,000 | $94,000 | $1,001,000 |
| Refinancing | 384 | $70,921,000 | $184,000 | $3,898,000 | $109,000 | $6,996,000 |
| Home Improvement | 146 | $7,349,000 | $50,000 | $778,000 | $84,000 | $691,000 |
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 | 1,484 | $271,436,000 | $182,000 | $1,112,000 | $103,000 | $6,996,000 |
| Black or African American | 232 | $41,071,000 | $177,000 | $654,000 | $78,000 | $290,000 |
| Not applicable | 93 | $28,801,000 | $309,000 | $6,500,000 | $0 | $0 |
| Not Provided | 76 | $15,290,000 | $201,000 | $576,000 | $102,000 | $310,000 |
| Asian | 65 | $13,786,000 | $212,000 | $960,000 | $136,000 | $714,000 |
| Hispanic | 63 | $12,203,000 | $193,000 | $675,000 | $84,000 | $361,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $565,000 | $188,000 | $210,000 | $66,000 | $83,000 |
| American Indian or Alaskan Native | 3 | $343,000 | $114,000 | $182,000 | $61,000 | $76,000 |
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) | 1,259 | $238,526,000 | $189,000 | $6,500,000 | $110,000 | $6,996,000 |
| VA-guaranteed (Veterans Administration) | 400 | $90,717,000 | $226,000 | $585,000 | $86,000 | $329,000 |
| FHA-insured (Federal Housing Administration) | 321 | $48,892,000 | $152,000 | $276,000 | $59,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $5,360,000 | $137,000 | $232,000 | $47,000 | $73,000 |
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 | 1,706 | $331,326,000 | $194,000 | $6,500,000 | $97,000 | $6,996,000 |
| Application Withdrawn By Applicant | 166 | $31,564,000 | $190,000 | $960,000 | $100,000 | $1,001,000 |
| Application Denied By Financial Institution | 136 | $19,293,000 | $141,000 | $495,000 | $78,000 | $592,000 |
| Application Approved But Not Accepted | 11 | $1,312,000 | $119,000 | $268,000 | $87,000 | $243,000 |
| File Closed For Incompleteness | 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 Georgia B&Tc of Augusta's 2016 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 Georgia B&Tc of Augusta'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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