Peach State Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Peach State Bank & Trust of Gainesville, GA reported 56 mortgage applications totaling $10.4 million, down 26% from 2014. The average application was for $185,035, and applicants reported an average income of $100,107. 98% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Gainesville, GA (48), Atlanta-Sandy Springs-Roswell, GA (3) and Panama City, 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 | 56 |
| Total Mortgage Loan Application Amount | $10,362,000 |
| Average Mortgage Loan Application Amount | $185,035 |
| Highest Mortgage Loan Application Amount | $1,485,000 |
| Average Applicant Income | $100,107 |
| Highest Applicant Income | $698,000 |
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(HMDA) records Peach State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 48 | $ 9,067,000 | $ 188,895 | $ 104,000 |
| Gwinnett, Georgia | 2 | $ 458,000 | $ 229,000 | $ 57,000 |
| Bay, Florida | 1 | $ 258,000 | $ 258,000 | $ 100,000 |
| Banks, Georgia | 1 | $ 60,000 | $ 60,000 | $ 94,000 |
| Fannin, Georgia | 1 | $ 337,000 | $ 337,000 | $ 166,000 |
| Fulton, Georgia | 1 | $ 5,000 | $ 5,000 | $ 105,000 |
| Jackson, Georgia | 1 | $ 49,000 | $ 49,000 | $ 47,000 |
| Stephens, Georgia | 1 | $ 128,000 | $ 128,000 | $ 0 |
Mortgage Loan Application Detail Totals for Peach State Bank & Trust in 2015
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 | 34 | $5,232,000 | $153,000 | $601,000 | $76,000 | $259,000 |
| Home Purchase | 18 | $4,692,000 | $260,000 | $1,485,000 | $139,000 | $698,000 |
| Home Improvement | 4 | $438,000 | $109,000 | $375,000 | $130,000 | $333,000 |
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 | 33 | $4,891,000 | $148,000 | $650,000 | $138,000 | $375,000 |
| Not applicable | 17 | $4,906,000 | $288,000 | $1,485,000 | $0 | $0 |
| Black or African American | 3 | $315,000 | $105,000 | $164,000 | $71,000 | $103,000 |
| Hispanic | 2 | $148,000 | $74,000 | $86,000 | $87,000 | $96,000 |
| Asian | 1 | $102,000 | $102,000 | $102,000 | $698,000 | $698,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 56 | $10,362,000 | $185,000 | $1,485,000 | $100,000 | $698,000 |
| 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 | 55 | $10,327,000 | $187,000 | $1,485,000 | $100,000 | $698,000 |
| Application Denied By Financial Institution | 1 | $35,000 | $35,000 | $35,000 | $103,000 | $103,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2015 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