Georgia B&Tc of Augusta Mortgage Lending & HMDA Data, 2013
In 2013, Georgia B&Tc of Augusta of Augusta, GA reported 2,096 mortgage applications totaling $364.9 million, down 18% from 2012. The average application was for $174,080, and applicants reported an average income of $83,605. 84% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Augusta-Richmond County, GA-SC (1,676), Savannah, GA (157) and Hinesville-Fort Stewart, GA (83) (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 | 2,096 |
| Total Mortgage Loan Application Amount | $364,873,000 |
| Average Mortgage Loan Application Amount | $174,080 |
| Highest Mortgage Loan Application Amount | $6,379,000 |
| Average Applicant Income | $83,605 |
| Highest Applicant Income | $1,600,000 |
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(HMDA) records Georgia B&Tc of Augusta filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 1,369 | $240,184,000 | $175,000 | $2,738,000 | $82,000 | $1,600,000 |
| Refinancing | 637 | $118,771,000 | $186,000 | $6,379,000 | $87,000 | $1,046,000 |
| Home Improvement | 90 | $5,918,000 | $65,000 | $503,000 | $84,000 | $540,000 |
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 | 1,547 | $257,886,000 | $166,000 | $800,000 | $95,000 | $1,600,000 |
| Black or African American | 234 | $37,364,000 | $159,000 | $563,000 | $66,000 | $625,000 |
| Not applicable | 154 | $43,272,000 | $280,000 | $6,379,000 | $0 | $0 |
| Hispanic | 63 | $11,544,000 | $183,000 | $609,000 | $78,000 | $349,000 |
| Asian | 58 | $9,600,000 | $165,000 | $675,000 | $94,000 | $380,000 |
| Not Provided | 30 | $3,916,000 | $130,000 | $311,000 | $103,000 | $378,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $935,000 | $155,000 | $222,000 | $63,000 | $95,000 |
| American Indian or Alaskan Native | 4 | $356,000 | $89,000 | $233,000 | $57,000 | $85,000 |
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) | 1,354 | $241,000,000 | $177,000 | $6,379,000 | $96,000 | $1,600,000 |
| VA-guaranteed (Veterans Administration) | 364 | $71,935,000 | $197,000 | $609,000 | $68,000 | $351,000 |
| FHA-insured (Federal Housing Administration) | 327 | $45,313,000 | $138,000 | $276,000 | $56,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $6,625,000 | $129,000 | $204,000 | $40,000 | $67,000 |
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 | 1,758 | $313,224,000 | $178,000 | $6,379,000 | $86,000 | $1,600,000 |
| Application Denied By Financial Institution | 208 | $29,808,000 | $143,000 | $800,000 | $66,000 | $378,000 |
| Application Withdrawn By Applicant | 114 | $19,832,000 | $173,000 | $650,000 | $89,000 | $351,000 |
| Application Approved But Not Accepted | 13 | $1,648,000 | $126,000 | $650,000 | $86,000 | $260,000 |
| Loan Purchased By The Institution | 3 | $361,000 | $120,000 | $170,000 | $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 2013 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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