Peach State Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Peach State Bank & Trust of Gainesville, GA reported 76 mortgage applications totaling $11.4 million, up 95% from 2013. The average application was for $150,526, and applicants reported an average income of $176,776. 96% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Gainesville, GA (56), Atlanta-Sandy Springs-Roswell, GA (7) and Crestview-Fort Walton Beach-Destin, FL (1) (applications in parentheses).
| Mortgage Company & Address | Peach State Bank & Trust 325 Washington Street Gainesville, GA 30501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 76 |
| Total Mortgage Loan Application Amount | $11,440,000 |
| Average Mortgage Loan Application Amount | $150,526 |
| Highest Mortgage Loan Application Amount | $1,028,000 |
| Average Applicant Income | $176,776 |
| Highest Applicant Income | $1,974,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peach State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Hall, Georgia | 56 | $ 9,314,000 | $ 166,321 | $ 197,000 |
| Gwinnett, Georgia | 3 | $ 357,000 | $ 119,000 | $ 99,000 |
| Lumpkin, Georgia | 3 | $ 297,000 | $ 99,000 | $ 151,000 |
| Banks, Georgia | 2 | $ 84,000 | $ 42,000 | $ 52,000 |
| Habersham, Georgia | 2 | $ 100,000 | $ 50,000 | $ 24,000 |
| White, Georgia | 2 | $ 361,000 | $ 180,500 | $ 4,000 |
| Walton, Florida | 1 | $ 320,000 | $ 320,000 | $ 170,000 |
| Dawson, Georgia | 1 | $ 146,000 | $ 146,000 | $ 29,000 |
| Forsyth, Georgia | 1 | $ 144,000 | $ 144,000 | $ 61,000 |
| Fulton, Georgia | 1 | $ 101,000 | $ 101,000 | $ 31,000 |
| Jackson, Georgia | 1 | $ 25,000 | $ 25,000 | $ 149,000 |
| Pickens, Georgia | 1 | $ 108,000 | $ 108,000 | $ 82,000 |
| Rabun, Georgia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Towns, Georgia | 1 | $ 38,000 | $ 38,000 | $ 943,000 |
Mortgage Loan Application Detail Totals for Peach State Bank & Trust in 2014
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 | 55 | $8,260,000 | $150,000 | $1,028,000 | $220,000 | $1,974,000 |
| Home Purchase | 18 | $3,069,000 | $170,000 | $800,000 | $51,000 | $207,000 |
| Home Improvement | 3 | $111,000 | $37,000 | $80,000 | $139,000 | $206,000 |
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 | 55 | $7,085,000 | $128,000 | $1,028,000 | $203,000 | $1,582,000 |
| Not applicable | 17 | $3,667,000 | $215,000 | $800,000 | $0 | $0 |
| Asian | 2 | $519,000 | $259,000 | $324,000 | $1,011,000 | $1,974,000 |
| Black or African American | 1 | $126,000 | $126,000 | $126,000 | $178,000 | $178,000 |
| American Indian or Alaskan Native | 1 | $43,000 | $43,000 | $43,000 | $64,000 | $64,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 76 | $11,440,000 | $150,000 | $1,028,000 | $176,000 | $1,974,000 |
| 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 | 73 | $10,952,000 | $150,000 | $1,028,000 | $181,000 | $1,974,000 |
| Application Denied By Financial Institution | 2 | $455,000 | $227,000 | $320,000 | $88,000 | $170,000 |
| Application Withdrawn By Applicant | 1 | $33,000 | $33,000 | $33,000 | $29,000 | $29,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Peach State Bank & Trust's 2014 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 Bank & Trust'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About