Waycross Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Waycross Bank & Trust of Waycross, GA reported 121 mortgage applications totaling $10.0 million, up 26% from 2010. The average application was for $82,471, and applicants reported an average income of $89,479. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Brunswick, GA (24), Jacksonville, FL (2) and Athens-Clarke County, GA (1) (applications in parentheses).
| Mortgage Company & Address | Waycross Bank & Trust 501 Tebeau Street Waycross, GA 31501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 121 |
| Total Mortgage Loan Application Amount | $9,979,000 |
| Average Mortgage Loan Application Amount | $82,471 |
| Highest Mortgage Loan Application Amount | $703,000 |
| Average Applicant Income | $89,479 |
| Highest Applicant Income | $1,986,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Waycross Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Ware, Georgia | 76 | $ 4,360,000 | $ 57,368 | $ 79,000 |
| Pierce, Georgia | 16 | $ 788,000 | $ 49,250 | $ 43,000 |
| Glynn, Georgia | 15 | $ 2,831,000 | $ 188,733 | $ 87,000 |
| Brantley, Georgia | 9 | $ 388,000 | $ 43,111 | $ 54,000 |
| Duval, Florida | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Nassau, Florida | 1 | $ 703,000 | $ 703,000 | $ 318,000 |
| Volusia, Florida | 1 | $ 328,000 | $ 328,000 | $ 1,986,000 |
| Charlton, Georgia | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Clarke, Georgia | 1 | $ 133,000 | $ 133,000 | $ 0 |
Mortgage Loan Application Detail Totals for Waycross Bank & Trust in 2011
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 | 77 | $6,947,000 | $90,000 | $703,000 | $108,000 | $1,986,000 |
| Home Purchase | 27 | $2,429,000 | $89,000 | $455,000 | $59,000 | $189,000 |
| Home Improvement | 17 | $603,000 | $35,000 | $252,000 | $54,000 | $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 | 106 | $7,767,000 | $73,000 | $703,000 | $98,000 | $1,986,000 |
| Not applicable | 7 | $1,785,000 | $255,000 | $455,000 | $0 | $0 |
| Black or African American | 4 | $282,000 | $70,000 | $146,000 | $68,000 | $192,000 |
| Hispanic | 2 | $86,000 | $43,000 | $56,000 | $34,000 | $35,000 |
| American Indian or Alaskan Native | 2 | $59,000 | $29,000 | $33,000 | $51,000 | $51,000 |
| Asian | 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) | 121 | $9,979,000 | $82,000 | $703,000 | $89,000 | $1,986,000 |
| 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 | 104 | $8,919,000 | $85,000 | $703,000 | $95,000 | $1,986,000 |
| Application Denied By Financial Institution | 10 | $199,000 | $19,000 | $41,000 | $39,000 | $79,000 |
| Application Withdrawn By Applicant | 7 | $861,000 | $123,000 | $320,000 | $69,000 | $189,000 |
| 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 Waycross Bank & Trust's 2011 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 Waycross 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.
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