Georgia B&Tc of Augusta Mortgage Lending & HMDA Data, 2003
In 2003, Georgia B&Tc of Augusta of Augusta, GA reported 3,679 mortgage applications totaling $431.4 million. The average application was for $117,258, and applicants reported an average income of $66,215. 93% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Augusta-Aiken, GA-SC (1,938), Savannah, GA (424) and Nashville, TN (301) (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 | 3,679 |
| Total Mortgage Loan Application Amount | $431,393,000 |
| Average Mortgage Loan Application Amount | $117,258 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $66,215 |
| Highest Applicant Income | $2,900,000 |
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(HMDA) records Georgia B&Tc of Augusta filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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) | 1,720 | $214,239,000 | $133,272 | $1,000,000 | $69,818 | $2,900,000 |
| Home Purchase (one-to-four family) | 1,717 | $213,345,000 | $218,900 | $675,000 | $115,100 | $1,800,000 |
| Home Improvement (one-to-four family) | 240 | $2,689,000 | $53,000 | $326,000 | $82,000 | $401,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 2 | $1,120,000 | $560,000 | $940,000 | $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 | 3,107 | $372,140,000 | $183,307 | $675,000 | $94,538 | $2,900,000 |
| Black | 454 | $45,660,000 | $105,400 | $1,000,000 | $59,800 | $1,200,000 |
| Hispanic | 52 | $5,727,000 | $96,666 | $257,000 | $77,000 | $181,000 |
| Asian or Pacific Islander | 31 | $3,397,000 | $137,000 | $196,000 | $43,000 | $194,000 |
| Not applicable | 18 | $2,597,000 | $102,500 | $940,000 | $88,500 | $372,000 |
| Other | 13 | $1,531,000 | $103,000 | $188,000 | $54,333 | $120,000 |
| Information not provided by applicant in mail or telephone application | 3 | $331,000 | $110,000 | $143,000 | $46,000 | $79,000 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $53,000 | $53,000 |
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) | 2,554 | $303,504,000 | $191,538 | $1,000,000 | $108,076 | $2,900,000 |
| VA-guaranteed (Veterans Administration) | 566 | $71,627,000 | $124,142 | $263,000 | $20,428 | $580,000 |
| FHA-insured (Federal Housing Administration) | 547 | $54,812,000 | $103,666 | $229,000 | $42,000 | $365,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,450,000 | $120,000 | $179,000 | $39,000 | $77,000 |
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 | 3,406 | $410,442,000 | $182,357 | $1,000,000 | $91,857 | $2,900,000 |
| Application Withdrawn By Applicant | 117 | $13,833,000 | $120,000 | $500,000 | $58,000 | $246,000 |
| Application Denied By Financial Institution | 97 | $5,854,000 | $62,000 | $280,000 | $47,333 | $125,000 |
| Application Approved But Not Accepted | 52 | $463,000 | $8,000 | $85,000 | $48,500 | $140,000 |
| File Closed For Incompleteness | 7 | $801,000 | $86,500 | $203,000 | $69,000 | $84,000 |
| Loan Purchased By The 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 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 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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