Talbot State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Talbot State Bank 2006 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 | Talbot State Bank 710 North Glynn Street Fayetteville, GA 30214 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 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,776 |
| Total Mortgage Loan Application Amount | $185,735,000 |
| Average Mortgage Loan Application Amount | $94,333 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $703,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Talbot State 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 Talbot State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Talbot State 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 Talbot State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Talbot State 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 Talbot State Bank's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| DeKalb County Georgia | 200 | $ 26,421,000 | $ 132,000 | $ 58,000 |
| Fulton County Georgia | 172 | $ 21,799,000 | $ 126,000 | $ 65,000 |
| Clayton County Georgia | 72 | $ 7,556,000 | $ 104,000 | $ 54,000 |
| Cobb County Georgia | 67 | $ 9,873,000 | $ 147,000 | $ 62,000 |
| Bibb County Georgia | 66 | $ 4,284,000 | $ 64,000 | $ 42,000 |
| Muscogee County Georgia | 64 | $ 5,688,000 | $ 88,000 | $ 67,000 |
| Gwinnett County Georgia | 59 | $ 9,371,000 | $ 158,000 | $ 63,000 |
| Meriwether County Georgia | 53 | $ 3,347,000 | $ 63,000 | $ 43,000 |
| Fayette County Georgia | 44 | $ 7,267,000 | $ 165,000 | $ 106,000 |
| Henry County Georgia | 36 | $ 5,036,000 | $ 139,000 | $ 60,000 |
| Coweta County Georgia | 35 | $ 3,649,000 | $ 104,000 | $ 58,000 |
| Cherokee County Georgia | 33 | $ 4,075,000 | $ 123,000 | $ 60,000 |
| Carroll County Georgia | 27 | $ 3,461,000 | $ 128,000 | $ 58,000 |
| Upson County Georgia | 26 | $ 1,193,000 | $ 45,000 | $ 46,000 |
| Houston County Georgia | 24 | $ 2,192,000 | $ 91,000 | $ 41,000 |
| Troup County Georgia | 24 | $ 1,954,000 | $ 81,000 | $ 77,000 |
| Whitfield County Georgia | 24 | $ 1,543,000 | $ 64,000 | $ 48,000 |
| Bartow County Georgia | 23 | $ 1,739,000 | $ 75,000 | $ 45,000 |
| Douglas County Georgia | 23 | $ 2,716,000 | $ 118,000 | $ 66,000 |
| Talbot County Georgia | 23 | $ 904,000 | $ 39,000 | $ 43,000 |
| Newton County Georgia | 22 | $ 2,327,000 | $ 105,000 | $ 48,000 |
| Paulding County Georgia | 21 | $ 2,321,000 | $ 110,000 | $ 70,000 |
| Chatham County Georgia | 20 | $ 2,149,000 | $ 107,000 | $ 44,000 |
| Floyd County Georgia | 20 | $ 2,010,000 | $ 100,000 | $ 42,000 |
| Hall County Georgia | 17 | $ 1,799,000 | $ 105,000 | $ 42,000 |
| Harris County Georgia | 17 | $ 1,293,000 | $ 76,000 | $ 37,000 |
| Murray County Georgia | 17 | $ 1,202,000 | $ 70,000 | $ 47,000 |
| Polk County Georgia | 17 | $ 1,507,000 | $ 88,000 | $ 35,000 |
| Rockdale County Georgia | 17 | $ 2,771,000 | $ 163,000 | $ 77,000 |
| Lee County Alabama | 16 | $ 1,352,000 | $ 84,000 | $ 49,000 |
| Russell County Alabama | 16 | $ 721,000 | $ 45,000 | $ 31,000 |
| Butts County Georgia | 15 | $ 1,181,000 | $ 78,000 | $ 50,000 |
| Walton County Georgia | 14 | $ 1,877,000 | $ 134,000 | $ 58,000 |
| Pike County Georgia | 13 | $ 1,130,000 | $ 86,000 | $ 67,000 |
| Richmond County Georgia | 13 | $ 1,016,000 | $ 78,000 | $ 61,000 |
| Taylor County Georgia | 12 | $ 544,000 | $ 45,000 | $ 34,000 |
| Barrow County Georgia | 11 | $ 1,361,000 | $ 123,000 | $ 89,000 |
| Forsyth County Georgia | 11 | $ 2,116,000 | $ 192,000 | $ 68,000 |
| Heard County Georgia | 11 | $ 684,000 | $ 62,000 | $ 39,000 |
| Jones County Georgia | 11 | $ 930,000 | $ 84,000 | $ 57,000 |
| Gordon County Georgia | 10 | $ 923,000 | $ 92,000 | $ 39,000 |
| Haralson County Georgia | 10 | $ 793,000 | $ 79,000 | $ 57,000 |
| Peach County Georgia | 10 | $ 1,169,000 | $ 116,000 | $ 71,000 |
| Catoosa County Georgia | 9 | $ 770,000 | $ 85,000 | $ 61,000 |
| Dougherty County Georgia | 9 | $ 687,000 | $ 76,000 | $ 39,000 |
| Spalding County Georgia | 9 | $ 570,000 | $ 63,000 | $ 58,000 |
| Walker County Georgia | 8 | $ 1,035,000 | $ 129,000 | $ 62,000 |
| Crawford County Georgia | 7 | $ 362,000 | $ 51,000 | $ 59,000 |
| Hart County Georgia | 7 | $ 826,000 | $ 118,000 | $ 45,000 |
| Laurens County Georgia | 7 | $ 269,000 | $ 38,000 | $ 39,000 |
| Madison County Georgia | 7 | $ 478,000 | $ 68,000 | $ 28,000 |
| Marion County Georgia | 7 | $ 491,000 | $ 70,000 | $ 41,000 |
| Monroe County Georgia | 7 | $ 655,000 | $ 93,000 | $ 68,000 |
| Burke County Georgia | 6 | $ 521,000 | $ 86,000 | $ 57,000 |
| Chattooga County Georgia | 6 | $ 366,000 | $ 61,000 | $ 82,000 |
| Clarke County Georgia | 6 | $ 623,000 | $ 103,000 | $ 53,000 |
| Dodge County Georgia | 6 | $ 493,000 | $ 82,000 | $ 54,000 |
| Elbert County Georgia | 6 | $ 481,000 | $ 80,000 | $ 41,000 |
| Greene County Georgia | 6 | $ 565,000 | $ 94,000 | $ 43,000 |
| Jackson County Georgia | 6 | $ 796,000 | $ 132,000 | $ 41,000 |
| Lamar County Georgia | 6 | $ 562,000 | $ 93,000 | $ 55,000 |
| Macon County Georgia | 6 | $ 160,000 | $ 26,000 | $ 20,000 |
| Chattahoochee County Georgia | 5 | $ 129,000 | $ 25,000 | $ 39,000 |
| Columbia County Georgia | 5 | $ 644,000 | $ 128,000 | $ 63,000 |
| Emanuel County Georgia | 5 | $ 171,000 | $ 34,000 | $ 28,000 |
| Glynn County Georgia | 5 | $ 428,000 | $ 85,000 | $ 41,000 |
| Jasper County Georgia | 5 | $ 401,000 | $ 80,000 | $ 85,000 |
| Long County Georgia | 5 | $ 443,000 | $ 88,000 | $ 59,000 |
| Lowndes County Georgia | 5 | $ 464,000 | $ 92,000 | $ 58,000 |
| Lumpkin County Georgia | 5 | $ 435,000 | $ 87,000 | $ 63,000 |
| Pickens County Georgia | 5 | $ 570,000 | $ 114,000 | $ 81,000 |
| Sumter County Georgia | 5 | $ 456,000 | $ 91,000 | $ 48,000 |
| Twiggs County Georgia | 5 | $ 132,000 | $ 26,000 | $ 34,000 |
| Ware County Georgia | 5 | $ 360,000 | $ 72,000 | $ 42,000 |
| Washington County Georgia | 5 | $ 368,000 | $ 73,000 | $ 21,000 |
| Randolph County Alabama | 4 | $ 197,000 | $ 49,000 | $ 34,000 |
| Baldwin County Georgia | 4 | $ 156,000 | $ 39,000 | $ 28,000 |
| Bryan County Georgia | 4 | $ 435,000 | $ 108,000 | $ 41,000 |
| Franklin County Georgia | 4 | $ 203,000 | $ 50,000 | $ 29,000 |
| Gilmer County Georgia | 4 | $ 545,000 | $ 136,000 | $ 49,000 |
| Lee County Georgia | 4 | $ 402,000 | $ 100,000 | $ 53,000 |
| Mitchell County Georgia | 4 | $ 217,000 | $ 54,000 | $ 26,000 |
| Oglethorpe County Georgia | 4 | $ 218,000 | $ 54,000 | $ 30,000 |
| Screven County Georgia | 4 | $ 257,000 | $ 64,000 | $ 30,000 |
| Stephens County Georgia | 4 | $ 367,000 | $ 91,000 | $ 34,000 |
| Chambers County Alabama | 3 | $ 140,000 | $ 46,000 | $ 22,000 |
| Banks County Georgia | 3 | $ 241,000 | $ 80,000 | $ 96,000 |
| Bleckley County Georgia | 3 | $ 163,000 | $ 54,000 | $ 21,000 |
| Camden County Georgia | 3 | $ 423,000 | $ 141,000 | $ 67,000 |
| Crisp County Georgia | 3 | $ 694,000 | $ 231,000 | $ 74,000 |
| Dawson County Georgia | 3 | $ 320,000 | $ 106,000 | $ 35,000 |
| Decatur County Georgia | 3 | $ 144,000 | $ 48,000 | $ 46,000 |
| Effingham County Georgia | 3 | $ 350,000 | $ 116,000 | $ 23,000 |
| Jenkins County Georgia | 3 | $ 209,000 | $ 69,000 | $ 23,000 |
| McIntosh County Georgia | 3 | $ 169,000 | $ 56,000 | $ 59,000 |
| Morgan County Georgia | 3 | $ 244,000 | $ 81,000 | $ 34,000 |
| Oconee County Georgia | 3 | $ 325,000 | $ 108,000 | $ 44,000 |
| Pulaski County Georgia | 3 | $ 289,000 | $ 96,000 | $ 42,000 |
| Putnam County Georgia | 3 | $ 275,000 | $ 91,000 | $ 37,000 |
| Union County Georgia | 3 | $ 546,000 | $ 182,000 | $ 53,000 |
| Wilkes County Georgia | 3 | $ 137,000 | $ 45,000 | $ 53,000 |
| Barbour County Alabama | 2 | $ 172,000 | $ 86,000 | $ 66,000 |
| Appling County Georgia | 2 | $ 36,000 | $ 18,000 | $ 20,000 |
| Ben Hill County Georgia | 2 | $ 120,000 | $ 60,000 | $ 43,000 |
| Bulloch County Georgia | 2 | $ 214,000 | $ 107,000 | $ 35,000 |
| Coffee County Georgia | 2 | $ 97,000 | $ 48,000 | $ 32,000 |
| Colquitt County Georgia | 2 | $ 153,000 | $ 76,000 | $ 46,000 |
| Fannin County Georgia | 2 | $ 270,000 | $ 135,000 | $ 92,000 |
| Habersham County Georgia | 2 | $ 201,000 | $ 100,000 | $ 41,000 |
| Jeff Davis County Georgia | 2 | $ 42,000 | $ 21,000 | $ 28,000 |
| Jefferson County Georgia | 2 | $ 94,000 | $ 47,000 | $ 23,000 |
| Lanier County Georgia | 2 | $ 204,000 | $ 102,000 | $ 51,000 |
| Liberty County Georgia | 2 | $ 160,000 | $ 80,000 | $ 73,000 |
| Lincoln County Georgia | 2 | $ 173,000 | $ 86,000 | $ 46,000 |
| Telfair County Georgia | 2 | $ 41,000 | $ 20,000 | $ 26,000 |
| Thomas County Georgia | 2 | $ 292,000 | $ 146,000 | $ 33,000 |
| Toombs County Georgia | 2 | $ 247,000 | $ 123,000 | $ 49,000 |
| Turner County Georgia | 2 | $ 460,000 | $ 230,000 | $ 55,000 |
| Worth County Georgia | 2 | $ 233,000 | $ 116,000 | $ 81,000 |
| Bullock County Alabama | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Cherokee County Alabama | 1 | $ 54,000 | $ 54,000 | $ 28,000 |
| Houston County Alabama | 1 | $ 64,000 | $ 64,000 | $ 120,000 |
| Jackson County Alabama | 1 | $ 49,000 | $ 49,000 | $ 38,000 |
| Bacon County Georgia | 1 | $ 210,000 | $ 210,000 | $ 142,000 |
| Cook County Georgia | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Dooly County Georgia | 1 | $ 80,000 | $ 80,000 | $ 96,000 |
| Hancock County Georgia | 1 | $ 12,000 | $ 12,000 | $ 26,000 |
| Johnson County Georgia | 1 | $ 20,000 | $ 20,000 | $ 16,000 |
| McDuffie County Georgia | 1 | $ 210,000 | $ 210,000 | $ 60,000 |
| Pierce County Georgia | 1 | $ 332,000 | $ 332,000 | $ 67,000 |
| Seminole County Georgia | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Stewart County Georgia | 1 | $ 12,000 | $ 12,000 | $ 26,000 |
| Taliaferro County Georgia | 1 | $ 30,000 | $ 30,000 | $ 56,000 |
| Tattnall County Georgia | 1 | $ 66,000 | $ 66,000 | $ 48,000 |
| Terrell County Georgia | 1 | $ 24,000 | $ 24,000 | $ 28,000 |
| Tift County Georgia | 1 | $ 292,000 | $ 292,000 | $ 132,000 |
| Treutlen County Georgia | 1 | $ 84,000 | $ 84,000 | $ 60,000 |
| Wheeler County Georgia | 1 | $ 80,000 | $ 80,000 | $ 21,000 |
| White County Georgia | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Talbot State Bank in 2006
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 | 1,274 | $138,019,000 | $108,000 | $900,000 | $55,000 | $703,000 |
| Home Purchase | 335 | $36,590,000 | $109,000 | $448,000 | $62,000 | $686,000 |
| Home Improvement | 167 | $11,126,000 | $66,000 | $320,000 | $48,000 | $300,000 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 797 | $81,066,000 | $101,000 | $448,000 | $53,000 | $703,000 |
| White | 733 | $76,986,000 | $105,000 | $900,000 | $58,000 | $579,000 |
| Not Provided | 206 | $22,044,000 | $107,000 | $320,000 | $54,000 | $300,000 |
| Hispanic | 27 | $3,528,000 | $130,000 | $399,000 | $80,000 | $686,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $570,000 | $95,000 | $177,000 | $77,000 | $156,000 |
| Asian | 6 | $1,361,000 | $226,000 | $397,000 | $115,000 | $212,000 |
| American Indian or Alaskan Native | 1 | $180,000 | $180,000 | $180,000 | $29,000 | $29,000 |
| Not applicable | 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) | 1,776 | $185,735,000 | $104,000 | $900,000 | $56,000 | $703,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,206 | $139,681,000 | $115,000 | $900,000 | $55,000 | $703,000 |
| Loan Originated | 389 | $28,206,000 | $72,000 | $399,000 | $61,000 | $686,000 |
| Application Withdrawn By Applicant | 102 | $11,055,000 | $108,000 | $317,000 | $53,000 | $240,000 |
| Application Approved But Not Accepted | 74 | $6,184,000 | $83,000 | $320,000 | $50,000 | $240,000 |
| File Closed For Incompleteness | 5 | $609,000 | $121,000 | $208,000 | $63,000 | $136,000 |
| 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 | 1,094 | $124,612,000 | $113,000 | $448,000 | $54,000 | $703,000 |
| Debt-To-Income Ratio | 40 | $4,915,000 | $122,000 | $269,000 | $47,000 | $134,000 |
| Other | 7 | $1,952,000 | $278,000 | $900,000 | $80,000 | $209,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $826,000 | $137,000 | $250,000 | $67,000 | $134,000 |
| Credit History | 4 | $661,000 | $165,000 | $256,000 | $62,000 | $88,000 |
| Unverifiable Information | 3 | $231,000 | $77,000 | $115,000 | $22,000 | $36,000 |
| Credit Application Incomplete | 2 | $493,000 | $246,000 | $397,000 | $123,000 | $180,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Talbot State Bank's 2006 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 Talbot State 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.