Georgia B&Tc of Augusta Mortgage Lending & HMDA Data, 2006
In 2006, Georgia B&Tc of Augusta of Augusta, GA reported 2,347 mortgage applications totaling $344.2 million, about the same as 2005. The average application was for $146,650, and applicants reported an average income of $77,001. 95% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Augusta-Richmond County, GA-SC (1,462), Savannah, GA (288) and Hinesville-Fort Stewart, GA (125) (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 | 2,347 |
| Total Mortgage Loan Application Amount | $344,189,000 |
| Average Mortgage Loan Application Amount | $146,650 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $77,001 |
| Highest Applicant Income | $7,000,000 |
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(HMDA) records Georgia B&Tc of Augusta filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,641 | $247,251,000 | $150,000 | $3,000,000 | $71,000 | $1,477,000 |
| Refinancing | 598 | $94,637,000 | $158,000 | $2,500,000 | $96,000 | $7,000,000 |
| Home Improvement | 108 | $2,301,000 | $21,000 | $375,000 | $63,000 | $1,200,000 |
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 | 1,757 | $258,107,000 | $146,000 | $2,000,000 | $77,000 | $1,355,000 |
| Black or African American | 394 | $50,729,000 | $128,000 | $675,000 | $56,000 | $246,000 |
| Hispanic | 91 | $11,223,000 | $123,000 | $455,000 | $54,000 | $446,000 |
| Not applicable | 53 | $15,805,000 | $298,000 | $3,000,000 | $296,000 | $7,000,000 |
| Asian | 32 | $4,620,000 | $144,000 | $417,000 | $92,000 | $850,000 |
| Not Provided | 17 | $3,390,000 | $199,000 | $1,000,000 | $36,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $248,000 | $124,000 | $145,000 | $64,000 | $92,000 |
| American Indian or Alaskan Native | 1 | $67,000 | $67,000 | $67,000 | $32,000 | $32,000 |
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) | 1,539 | $233,366,000 | $151,000 | $3,000,000 | $90,000 | $7,000,000 |
| VA-guaranteed (Veterans Administration) | 425 | $65,494,000 | $154,000 | $417,000 | $56,000 | $172,000 |
| FHA-insured (Federal Housing Administration) | 383 | $45,329,000 | $118,000 | $217,000 | $51,000 | $390,000 |
| 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 | 2,230 | $327,551,000 | $146,000 | $3,000,000 | $78,000 | $7,000,000 |
| Application Withdrawn By Applicant | 39 | $6,991,000 | $179,000 | $700,000 | $83,000 | $471,000 |
| Application Approved But Not Accepted | 31 | $3,376,000 | $108,000 | $675,000 | $56,000 | $207,000 |
| Application Denied By Financial Institution | 31 | $2,845,000 | $91,000 | $660,000 | $58,000 | $288,000 |
| File Closed For Incompleteness | 16 | $3,426,000 | $214,000 | $1,000,000 | $36,000 | $180,000 |
| 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 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 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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