Georgia B&Tc of Augusta Mortgage Lending & HMDA Data, 2007
In 2007, Georgia B&Tc of Augusta of Augusta, GA reported 2,197 mortgage applications totaling $347.4 million, down 6% from 2006. The average application was for $158,129, and applicants reported an average income of $83,271. 95% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Augusta-Richmond County, GA-SC (1,530), Savannah, GA (152) and Hinesville-Fort Stewart, GA (85) (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 | 2,197 |
| Total Mortgage Loan Application Amount | $347,411,000 |
| Average Mortgage Loan Application Amount | $158,129 |
| Highest Mortgage Loan Application Amount | $4,100,000 |
| Average Applicant Income | $83,271 |
| Highest Applicant Income | $1,213,000 |
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(HMDA) records Georgia B&Tc of Augusta filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007
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 | 1,382 | $219,703,000 | $158,000 | $4,100,000 | $78,000 | $1,213,000 |
| Refinancing | 734 | $124,327,000 | $169,000 | $2,100,000 | $94,000 | $1,080,000 |
| Home Improvement | 81 | $3,381,000 | $41,000 | $740,000 | $76,000 | $760,000 |
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 | 1,708 | $266,327,000 | $155,000 | $4,100,000 | $91,000 | $1,213,000 |
| Black or African American | 286 | $39,160,000 | $136,000 | $750,000 | $61,000 | $329,000 |
| Not applicable | 79 | $21,839,000 | $276,000 | $2,100,000 | $0 | $0 |
| Hispanic | 57 | $8,048,000 | $141,000 | $760,000 | $57,000 | $276,000 |
| Asian | 43 | $8,301,000 | $193,000 | $950,000 | $112,000 | $941,000 |
| Not Provided | 10 | $1,738,000 | $173,000 | $417,000 | $48,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,030,000 | $128,000 | $197,000 | $65,000 | $148,000 |
| American Indian or Alaskan Native | 6 | $968,000 | $161,000 | $417,000 | $141,000 | $646,000 |
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) | 1,582 | $263,228,000 | $166,000 | $4,100,000 | $94,000 | $1,213,000 |
| FHA-insured (Federal Housing Administration) | 357 | $41,877,000 | $117,000 | $203,000 | $52,000 | $279,000 |
| VA-guaranteed (Veterans Administration) | 256 | $42,129,000 | $164,000 | $417,000 | $61,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $177,000 | $88,000 | $126,000 | $24,000 | $38,000 |
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 | 2,086 | $331,795,000 | $159,000 | $4,100,000 | $84,000 | $1,213,000 |
| Application Denied By Financial Institution | 44 | $5,422,000 | $123,000 | $750,000 | $80,000 | $1,080,000 |
| Application Withdrawn By Applicant | 40 | $6,487,000 | $162,000 | $760,000 | $71,000 | $276,000 |
| Application Approved But Not Accepted | 19 | $2,451,000 | $129,000 | $210,000 | $60,000 | $112,000 |
| File Closed For Incompleteness | 8 | $1,256,000 | $157,000 | $283,000 | $46,000 | $93,000 |
| 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 2007 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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