Jarvis Street Mortgage & Inv Mortgage Lending & HMDA Data, 2003
In 2003, Jarvis Street Mortgage & Inv of Dawsonville, GA reported 217 mortgage applications totaling $39.2 million. The average application was for $180,769, and applicants reported an average income of $83,308. 90% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Atlanta, GA (147), Athens, GA (4) and Savannah, GA (2) (applications in parentheses).
| Mortgage Company & Address | Jarvis Street Mortgage & Inv 137 Prominence Court, Suite 120 Dawsonville, GA 30534 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 217 |
| Total Mortgage Loan Application Amount | $39,227,000 |
| Average Mortgage Loan Application Amount | $180,769 |
| Highest Mortgage Loan Application Amount | $995,000 |
| Average Applicant Income | $83,308 |
| Highest Applicant Income | $636,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Jarvis Street Mortgage & Inv filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Jarvis Street Mortgage & Inv in 2003
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 (home purchase or home improvement, one-to-four family) | 160 | $28,589,000 | $216,857 | $995,000 | $112,000 | $636,000 |
| Home Purchase (one-to-four family) | 57 | $10,638,000 | $175,000 | $571,000 | $72,000 | $300,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 206 | $37,196,000 | $211,625 | $995,000 | $104,750 | $636,000 |
| Black | 6 | $1,098,000 | $163,666 | $490,000 | $96,000 | $264,000 |
| Hispanic | 2 | $387,000 | $193,000 | $196,000 | $55,000 | $59,000 |
| Asian or Pacific Islander | 2 | $405,000 | $202,500 | $290,000 | $92,500 | $115,000 |
| Information not provided by applicant in mail or telephone application | 1 | $141,000 | $141,000 | $141,000 | $94,000 | $94,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 216 | $39,117,000 | $208,375 | $995,000 | $102,750 | $636,000 |
| FHA-insured (Federal Housing Administration) | 1 | $110,000 | $110,000 | $110,000 | $39,000 | $39,000 |
| 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 | 196 | $35,323,000 | $193,000 | $995,000 | $103,285 | $636,000 |
| Application Withdrawn By Applicant | 15 | $3,028,000 | $301,000 | $630,000 | $106,333 | $348,000 |
| Application Denied By Financial Institution | 6 | $876,000 | $146,000 | $209,000 | $46,500 | $55,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Other | 4 | $594,000 | $144,000 | $209,000 | $48,000 | $55,000 |
| Credit History | 2 | $282,000 | $141,000 | $180,000 | $50,000 | $50,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jarvis Street Mortgage & Inv's 2003 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 Jarvis Street Mortgage & Inv'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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