Gscb - Apalach Mortgage Lending & HMDA Data, 2009
In 2009, Gscb - Apalach of Apalachicola, FL reported 70 mortgage applications totaling $4.1 million, up 4% from 2008. The average application was for $59,128, and applicants reported an average income of $50,800. 81% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Tallahassee, FL (25) and Dothan, AL (1).
| Mortgage Company & Address | Gscb - Apalach 73 Avenue E Apalachicola, FL 32329 |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 70 |
| Total Mortgage Loan Application Amount | $4,139,000 |
| Average Mortgage Loan Application Amount | $59,128 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $50,800 |
| Highest Applicant Income | $280,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gscb - Apalach filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin, Florida | 43 | $ 2,759,000 | $ 64,162 | $ 55,000 |
| Wakulla, Florida | 25 | $ 1,293,000 | $ 51,720 | $ 45,000 |
| Houston, Alabama | 1 | $ 8,000 | $ 8,000 | $ 26,000 |
| Liberty, Florida | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Gscb - Apalach in 2009
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 | 29 | $2,734,000 | $94,000 | $425,000 | $53,000 | $280,000 |
| Home Improvement | 27 | $410,000 | $15,000 | $250,000 | $39,000 | $140,000 |
| Home Purchase | 14 | $995,000 | $71,000 | $218,000 | $69,000 | $276,000 |
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 | 61 | $3,672,000 | $60,000 | $425,000 | $50,000 | $280,000 |
| Black or African American | 6 | $461,000 | $76,000 | $157,000 | $64,000 | $153,000 |
| Hispanic | 3 | $6,000 | $2,000 | $3,000 | $42,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 70 | $4,139,000 | $59,000 | $425,000 | $51,000 | $280,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 57 | $3,351,000 | $58,000 | $250,000 | $51,000 | $276,000 |
| Application Denied By Financial Institution | 12 | $768,000 | $64,000 | $425,000 | $52,000 | $280,000 |
| Application Withdrawn By Applicant | 1 | $20,000 | $20,000 | $20,000 | $38,000 | $38,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $200,000 | $22,000 | $80,000 | $31,000 | $103,000 |
| Debt-To-Income Ratio | 1 | $425,000 | $425,000 | $425,000 | $280,000 | $280,000 |
| Employment History | 1 | $140,000 | $140,000 | $140,000 | $46,000 | $46,000 |
| Collateral | 1 | $3,000 | $3,000 | $3,000 | $22,000 | $22,000 |
| Credit Application Incomplete | 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 Gscb - Apalach's 2009 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 Gscb - Apalach'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.
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