Northside Bank Mortgage Lending & HMDA Data, 2018
In 2018, Northside Bank of Adairsville, GA reported 94 mortgage applications totaling $20.5 million, down 10% from 2017. The average application was for $217,872, and applicants reported an average income of $125,794. 41% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (62), Rome, GA (7) and Brunswick, GA (2) (applications in parentheses).
| Mortgage Company & Address | Northside Bank 7741 Adairsvilel Highway Adairsville, GA 30103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 94 |
| Total Mortgage Loan Application Amount | $20,480,000 |
| Average Mortgage Loan Application Amount | $217,872 |
| Highest Mortgage Loan Application Amount | $1,465,000 |
| Average Applicant Income | $125,794 |
| Highest Applicant Income | $1,188,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northside Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 62 | $ 15,990,000 | $ 257,903 | $ 94,000 |
| Outside any metro area | 19 | $ 2,265,000 | $ 119,210 | $ 178,000 |
| Rome, GA | 7 | $ 875,000 | $ 125,000 | $ 94,000 |
| Brunswick, GA | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Dalton, GA | 2 | $ 540,000 | $ 270,000 | $ 68,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 55,000 | $ 55,000 | $ 147,000 |
| Savannah, GA | 1 | $ 315,000 | $ 315,000 | $ 0 |
Mortgage Loan Application Detail Totals for Northside Bank in 2018
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 | 27 | $5,185,000 | $192,000 | $885,000 | $161,000 | $1,188,000 |
| Not Applicable | 26 | $10,170,000 | $391,000 | $1,465,000 | $0 | $0 |
| Cash-out Refinancing | 13 | $1,665,000 | $128,000 | $525,000 | $76,000 | $200,000 |
| Home Improvement | 11 | $1,195,000 | $108,000 | $415,000 | $127,000 | $389,000 |
| Refinancing | 9 | $1,315,000 | $146,000 | $405,000 | $126,000 | $345,000 |
| Other Purpose | 8 | $950,000 | $118,000 | $275,000 | $86,000 | $182,000 |
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 | 65 | $12,265,000 | $188,000 | $1,465,000 | $120,000 | $1,188,000 |
| Not applicable | 14 | $3,130,000 | $223,000 | $885,000 | $0 | $0 |
| Not Provided | 9 | $4,375,000 | $486,000 | $1,115,000 | $174,000 | $345,000 |
| Asian | 2 | $320,000 | $160,000 | $195,000 | $0 | $0 |
| Black or African American | 2 | $230,000 | $115,000 | $165,000 | $0 | $0 |
| Hispanic | 2 | $160,000 | $80,000 | $135,000 | $48,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 92 | $20,160,000 | $219,000 | $1,465,000 | $125,000 | $1,188,000 |
| FHA-insured (Federal Housing Administration) | 2 | $320,000 | $160,000 | $185,000 | $41,000 | $41,000 |
| 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 | 39 | $5,635,000 | $144,000 | $885,000 | $169,000 | $1,188,000 |
| Loan Purchased By The Institution | 26 | $10,170,000 | $391,000 | $1,465,000 | $0 | $0 |
| Application Denied By Financial Institution | 20 | $3,900,000 | $195,000 | $805,000 | $73,000 | $242,000 |
| Application Withdrawn By Applicant | 6 | $670,000 | $111,000 | $205,000 | $87,000 | $150,000 |
| Application Approved But Not Accepted | 3 | $105,000 | $35,000 | $65,000 | $70,000 | $94,000 |
| File Closed For Incompleteness | 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 | 74 | $16,580,000 | $224,000 | $1,465,000 | $146,000 | $1,188,000 |
| Debt-To-Income Ratio | 9 | $1,155,000 | $128,000 | $385,000 | $44,000 | $88,000 |
| Credit History | 6 | $1,420,000 | $236,000 | $375,000 | $84,000 | $208,000 |
| Collateral | 2 | $120,000 | $60,000 | $75,000 | $61,000 | $88,000 |
| Other | 2 | $400,000 | $200,000 | $345,000 | $141,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $805,000 | $805,000 | $805,000 | $242,000 | $242,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northside Bank's 2018 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 Northside 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.
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