Mcintosh Commercial Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Mcintosh Commercial Bank 2008 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 | Mcintosh Commercial Bank 820 Dixie Street Carrollton, GA 30117 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 331 |
| Total Mortgage Loan Application Amount | $64,277,000 |
| Average Mortgage Loan Application Amount | $160,666 |
| Highest Mortgage Loan Application Amount | $2,576,000 |
| Average Applicant Income | $86,333 |
| Highest Applicant Income | $1,257,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Mcintosh Commercial Bank. 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 Mcintosh Commercial Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Mcintosh Commercial Bank'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 Mcintosh Commercial Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Mcintosh Commercial Bank, 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 Mcintosh Commercial Bank's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Carroll County Georgia | 125 | $ 19,794,000 | $ 158,000 | $ 63,000 |
| Haralson County Georgia | 26 | $ 4,103,000 | $ 157,000 | $ 57,000 |
| Chambers County Alabama | 17 | $ 1,768,000 | $ 104,000 | $ 121,000 |
| Newton County Georgia | 16 | $ 2,687,000 | $ 167,000 | $ 118,000 |
| Fulton County Georgia | 14 | $ 6,136,000 | $ 438,000 | $ 239,000 |
| Rockdale County Georgia | 13 | $ 5,772,000 | $ 444,000 | $ 44,000 |
| Oconee County Georgia | 12 | $ 1,502,000 | $ 125,000 | $ 0 |
| Paulding County Georgia | 12 | $ 1,661,000 | $ 138,000 | $ 70,000 |
| Cobb County Georgia | 10 | $ 2,755,000 | $ 275,000 | $ 201,000 |
| Lee County Alabama | 9 | $ 1,590,000 | $ 176,000 | $ 107,000 |
| Coweta County Georgia | 9 | $ 1,838,000 | $ 204,000 | $ 46,000 |
| DeKalb County Georgia | 7 | $ 1,006,000 | $ 143,000 | $ 72,000 |
| Douglas County Georgia | 7 | $ 738,000 | $ 105,000 | $ 231,000 |
| Floyd County Georgia | 6 | $ 976,000 | $ 162,000 | $ 55,000 |
| Randolph County Alabama | 4 | $ 999,000 | $ 249,000 | $ 21,000 |
| Bartow County Georgia | 4 | $ 797,000 | $ 199,000 | $ 100,000 |
| Clarke County Georgia | 4 | $ 746,000 | $ 186,000 | $ 0 |
| Cleburne County Alabama | 3 | $ 615,000 | $ 205,000 | $ 55,000 |
| Troup County Georgia | 3 | $ 225,000 | $ 75,000 | $ 45,000 |
| Lee County Florida | 2 | $ 1,001,000 | $ 500,000 | $ 298,000 |
| Walton County Florida | 2 | $ 747,000 | $ 373,000 | $ 137,000 |
| Fayette County Georgia | 2 | $ 541,000 | $ 270,000 | $ 49,000 |
| Gwinnett County Georgia | 2 | $ 296,000 | $ 148,000 | $ 0 |
| Heard County Georgia | 2 | $ 330,000 | $ 165,000 | $ 84,000 |
| Henry County Georgia | 2 | $ 347,000 | $ 173,000 | $ 0 |
| Walton County Georgia | 2 | $ 204,000 | $ 102,000 | $ 24,000 |
| Baldwin County Alabama | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Clay County Alabama | 1 | $ 339,000 | $ 339,000 | $ 120,000 |
| Tallapoosa County Alabama | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Alachua County Florida | 1 | $ 206,000 | $ 206,000 | $ 170,000 |
| Okaloosa County Florida | 1 | $ 1,800,000 | $ 1,800,000 | $ 352,000 |
| Butts County Georgia | 1 | $ 180,000 | $ 180,000 | $ 181,000 |
| Hancock County Georgia | 1 | $ 360,000 | $ 360,000 | $ 126,000 |
| Jackson County Georgia | 1 | $ 189,000 | $ 189,000 | $ 50,000 |
| Jasper County Georgia | 1 | $ 108,000 | $ 108,000 | $ 48,000 |
| Meriwether County Georgia | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Morgan County Georgia | 1 | $ 119,000 | $ 119,000 | $ 28,000 |
| Muscogee County Georgia | 1 | $ 238,000 | $ 238,000 | $ 147,000 |
| Polk County Georgia | 1 | $ 90,000 | $ 90,000 | $ 437,000 |
| Morris County New Jersey | 1 | $ 157,000 | $ 157,000 | $ 185,000 |
| Jackson County North Carolina | 1 | $ 415,000 | $ 415,000 | $ 1,257,000 |
| Transylvania County North Carolina | 1 | $ 622,000 | $ 622,000 | $ 283,000 |
Mortgage Loan Application Detail Totals for Mcintosh Commercial Bank in 2008
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 | 204 | $41,069,000 | $201,000 | $2,576,000 | $86,000 | $1,257,000 |
| Home Purchase | 116 | $22,209,000 | $191,000 | $1,980,000 | $93,000 | $695,000 |
| Home Improvement | 11 | $999,000 | $90,000 | $281,000 | $80,000 | $242,000 |
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 | 214 | $41,415,000 | $193,000 | $2,576,000 | $128,000 | $1,257,000 |
| Not applicable | 89 | $18,863,000 | $211,000 | $776,000 | $0 | $0 |
| Black or African American | 21 | $1,950,000 | $92,000 | $189,000 | $46,000 | $158,000 |
| Hispanic | 4 | $1,139,000 | $284,000 | $808,000 | $110,000 | $342,000 |
| Not Provided | 2 | $493,000 | $246,000 | $400,000 | $140,000 | $250,000 |
| Asian | 1 | $417,000 | $417,000 | $417,000 | $180,000 | $180,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $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) | 313 | $61,804,000 | $197,000 | $2,576,000 | $90,000 | $1,257,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,346,000 | $138,000 | $242,000 | $54,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $127,000 | $127,000 | $127,000 | $29,000 | $29,000 |
| 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 | 237 | $45,457,000 | $191,000 | $2,576,000 | $96,000 | $1,257,000 |
| Application Denied By Financial Institution | 45 | $10,588,000 | $235,000 | $1,980,000 | $56,000 | $352,000 |
| Application Approved But Not Accepted | 32 | $5,226,000 | $163,000 | $320,000 | $95,000 | $479,000 |
| File Closed For Incompleteness | 10 | $1,941,000 | $194,000 | $417,000 | $47,000 | $200,000 |
| Application Withdrawn By Applicant | 7 | $1,065,000 | $152,000 | $378,000 | $58,000 | $142,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Mcintosh Commercial Bank's 2008 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 Mcintosh Commercial Bank'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.