Georgia B&Tc of Augusta Mortgage Lending & HMDA Data, 2012
In 2012, Georgia B&Tc of Augusta of Augusta, GA reported 2,542 mortgage applications totaling $432.0 million, up 14% from 2011. The average application was for $169,929, and applicants reported an average income of $79,961. 86% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Augusta-Richmond County, GA-SC (1,952), Savannah, GA (234) 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 | 2,542 |
| Total Mortgage Loan Application Amount | $431,960,000 |
| Average Mortgage Loan Application Amount | $169,929 |
| Highest Mortgage Loan Application Amount | $2,763,000 |
| Average Applicant Income | $79,961 |
| Highest Applicant Income | $1,364,000 |
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(HMDA) records Georgia B&Tc of Augusta filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 1,487 | $255,198,000 | $171,000 | $1,450,000 | $78,000 | $985,000 |
| Refinancing | 955 | $170,861,000 | $178,000 | $2,763,000 | $85,000 | $1,364,000 |
| Home Improvement | 100 | $5,901,000 | $59,000 | $417,000 | $61,000 | $214,000 |
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 | 1,902 | $316,201,000 | $166,000 | $1,644,000 | $89,000 | $1,364,000 |
| Black or African American | 279 | $43,982,000 | $157,000 | $470,000 | $67,000 | $266,000 |
| Not applicable | 173 | $40,574,000 | $234,000 | $2,763,000 | $0 | $0 |
| Hispanic | 71 | $11,504,000 | $162,000 | $460,000 | $67,000 | $312,000 |
| Asian | 54 | $8,906,000 | $164,000 | $536,000 | $83,000 | $600,000 |
| Not Provided | 49 | $8,589,000 | $175,000 | $547,000 | $107,000 | $860,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,236,000 | $154,000 | $370,000 | $72,000 | $176,000 |
| American Indian or Alaskan Native | 6 | $968,000 | $161,000 | $259,000 | $91,000 | $160,000 |
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) | 1,609 | $273,434,000 | $169,000 | $2,763,000 | $89,000 | $1,364,000 |
| VA-guaranteed (Veterans Administration) | 499 | $97,077,000 | $194,000 | $470,000 | $71,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 343 | $49,116,000 | $143,000 | $276,000 | $62,000 | $232,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 91 | $12,333,000 | $135,000 | $260,000 | $43,000 | $98,000 |
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 | 2,195 | $379,267,000 | $172,000 | $2,763,000 | $82,000 | $1,364,000 |
| Application Denied By Financial Institution | 230 | $34,775,000 | $151,000 | $745,000 | $71,000 | $860,000 |
| Application Withdrawn By Applicant | 92 | $15,223,000 | $165,000 | $600,000 | $77,000 | $296,000 |
| Application Approved But Not Accepted | 21 | $2,265,000 | $107,000 | $280,000 | $75,000 | $295,000 |
| Loan Purchased By The Institution | 4 | $430,000 | $107,000 | $139,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2012 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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