Peach State Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Peach State Federal Credit Union 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Peach State Federal Credit Union 1505 Lakes Parkway, Suite 100 Lawrenceville, GA 30043 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 683 |
| Total Mortgage Loan Application Amount | $111,565,000 |
| Average Mortgage Loan Application Amount | $137,750 |
| Highest Mortgage Loan Application Amount | $4,355,000 |
| Average Applicant Income | $93,750 |
| Highest Applicant Income | $1,104,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Peach State Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Peach State Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Peach State Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Peach State Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Peach State Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Peach State Federal Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gwinnett County Georgia | 246 | $ 40,570,000 | $ 164,000 | $ 99,000 |
| Walton County Georgia | 56 | $ 10,060,000 | $ 179,000 | $ 75,000 |
| Barrow County Georgia | 53 | $ 7,665,000 | $ 144,000 | $ 78,000 |
| DeKalb County Georgia | 42 | $ 5,500,000 | $ 130,000 | $ 76,000 |
| Jackson County Georgia | 35 | $ 4,835,000 | $ 138,000 | $ 83,000 |
| Stephens County Georgia | 23 | $ 3,655,000 | $ 158,000 | $ 77,000 |
| Clarke County Georgia | 21 | $ 3,155,000 | $ 150,000 | $ 86,000 |
| Chattooga County Georgia | 19 | $ 1,475,000 | $ 77,000 | $ 75,000 |
| Habersham County Georgia | 19 | $ 3,135,000 | $ 165,000 | $ 70,000 |
| Richmond County Georgia | 15 | $ 2,375,000 | $ 158,000 | $ 195,000 |
| Fulton County Georgia | 14 | $ 6,760,000 | $ 482,000 | $ 87,000 |
| Hall County Georgia | 14 | $ 2,430,000 | $ 173,000 | $ 95,000 |
| Union County Georgia | 11 | $ 1,575,000 | $ 143,000 | $ 72,000 |
| Walker County Georgia | 9 | $ 925,000 | $ 102,000 | $ 68,000 |
| Oconee County Georgia | 7 | $ 865,000 | $ 123,000 | $ 117,000 |
| Newton County Georgia | 6 | $ 860,000 | $ 143,000 | $ 73,000 |
| Rockdale County Georgia | 6 | $ 900,000 | $ 150,000 | $ 61,000 |
| Cobb County Georgia | 5 | $ 1,035,000 | $ 207,000 | $ 110,000 |
| Columbia County Georgia | 5 | $ 795,000 | $ 159,000 | $ 73,000 |
| Forsyth County Georgia | 5 | $ 1,135,000 | $ 227,000 | $ 87,000 |
| Franklin County Georgia | 5 | $ 675,000 | $ 135,000 | $ 79,000 |
| Towns County Georgia | 5 | $ 595,000 | $ 119,000 | $ 90,000 |
| Douglas County Georgia | 4 | $ 960,000 | $ 240,000 | $ 81,000 |
| Hart County Georgia | 4 | $ 430,000 | $ 107,000 | $ 55,000 |
| Aiken County South Carolina | 4 | $ 480,000 | $ 120,000 | $ 63,000 |
| Greenwood County South Carolina | 4 | $ 410,000 | $ 102,000 | $ 87,000 |
| Cherokee County Georgia | 3 | $ 665,000 | $ 221,000 | $ 106,000 |
| Henry County Georgia | 3 | $ 835,000 | $ 278,000 | $ 116,000 |
| Laurens County South Carolina | 3 | $ 535,000 | $ 178,000 | $ 59,000 |
| Seminole County Florida | 2 | $ 220,000 | $ 110,000 | $ 101,000 |
| Volusia County Florida | 2 | $ 190,000 | $ 95,000 | $ 55,000 |
| Banks County Georgia | 2 | $ 290,000 | $ 145,000 | $ 100,000 |
| Clayton County Georgia | 2 | $ 200,000 | $ 100,000 | $ 46,000 |
| Madison County Georgia | 2 | $ 170,000 | $ 85,000 | $ 85,000 |
| Morgan County Georgia | 2 | $ 390,000 | $ 195,000 | $ 67,000 |
| Clay County North Carolina | 2 | $ 240,000 | $ 120,000 | $ 32,000 |
| Houston County Alabama | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Broward County Florida | 1 | $ 375,000 | $ 375,000 | $ 95,000 |
| Martin County Florida | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Walton County Florida | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Chatham County Georgia | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Coweta County Georgia | 1 | $ 325,000 | $ 325,000 | $ 249,000 |
| Elbert County Georgia | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Fannin County Georgia | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Greene County Georgia | 1 | $ 505,000 | $ 505,000 | $ 185,000 |
| Jasper County Georgia | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Lowndes County Georgia | 1 | $ 265,000 | $ 265,000 | $ 55,000 |
| Lumpkin County Georgia | 1 | $ 195,000 | $ 195,000 | $ 43,000 |
| McDuffie County Georgia | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Troup County Georgia | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Wilkes County Georgia | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Cherokee County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 136,000 |
| Haywood County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| Iredell County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Macon County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Anderson County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Edgefield County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Oconee County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Peach State Federal Credit Union in 2021
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 | 466 | $85,440,000 | $183,000 | $4,355,000 | $85,000 | $1,104,000 |
| Home Improvement | 84 | $3,920,000 | $46,000 | $155,000 | $99,000 | $388,000 |
| Home Purchase | 73 | $15,875,000 | $217,000 | $505,000 | $78,000 | $286,000 |
| Other Purpose | 60 | $6,330,000 | $105,000 | $1,905,000 | $113,000 | $426,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 376 | $57,590,000 | $153,000 | $1,905,000 | $96,000 | $1,104,000 |
| Black or African American | 160 | $24,700,000 | $154,000 | $545,000 | $81,000 | $426,000 |
| Not Provided | 111 | $19,485,000 | $175,000 | $545,000 | $79,000 | $254,000 |
| Hispanic | 22 | $2,370,000 | $107,000 | $255,000 | $72,000 | $240,000 |
| Asian | 7 | $1,765,000 | $252,000 | $355,000 | $108,000 | $169,000 |
| American Indian or Alaskan Native | 2 | $460,000 | $230,000 | $335,000 | $86,000 | $116,000 |
| Not applicable | 2 | $4,620,000 | $2,310,000 | $4,355,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 679 | $110,895,000 | $163,000 | $4,355,000 | $89,000 | $1,104,000 |
| FHA-insured (Federal Housing Administration) | 3 | $565,000 | $188,000 | $245,000 | $42,000 | $53,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $105,000 | $105,000 | $105,000 | $40,000 | $40,000 |
| 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 | 353 | $53,605,000 | $151,000 | $4,355,000 | $93,000 | $426,000 |
| File Closed For Incompleteness | 136 | $25,800,000 | $189,000 | $605,000 | $94,000 | $1,104,000 |
| Application Denied By Financial Institution | 83 | $11,785,000 | $141,000 | $545,000 | $73,000 | $1,104,000 |
| Application Withdrawn By Applicant | 74 | $14,750,000 | $199,000 | $1,905,000 | $86,000 | $319,000 |
| Application Approved But Not Accepted | 37 | $5,625,000 | $152,000 | $355,000 | $72,000 | $169,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 600 | $99,780,000 | $166,000 | $4,355,000 | $91,000 | $1,104,000 |
| Debt-To-Income Ratio | 34 | $6,350,000 | $186,000 | $405,000 | $47,000 | $127,000 |
| Credit History | 31 | $2,835,000 | $91,000 | $315,000 | $65,000 | $212,000 |
| Collateral | 8 | $660,000 | $82,000 | $235,000 | $83,000 | $124,000 |
| Other | 6 | $800,000 | $133,000 | $255,000 | $78,000 | $193,000 |
| Unverifiable Information | 2 | $780,000 | $390,000 | $545,000 | $574,000 | $1,104,000 |
| Employment History | 2 | $360,000 | $180,000 | $235,000 | $55,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peach State Federal Credit Union's 2021 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 Peach State Federal Credit Union'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.