Ab&T Mortgage Lending & HMDA Data, 2019
In 2019, Ab&T of Albany, GA reported 35 mortgage applications totaling $7.8 million, up 6% from 2018. The average application was for $223,571, and applicants reported an average income of $132,257. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Albany, GA (27), Atlanta-Sandy Springs-Roswell, GA (2) and Crestview-Fort Walton Beach-Destin, FL (1) (applications in parentheses).
| Mortgage Company & Address | Ab&T 2815 Meredyth Drive Albany, GA 31707 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 35 |
| Total Mortgage Loan Application Amount | $7,825,000 |
| Average Mortgage Loan Application Amount | $223,571 |
| Highest Mortgage Loan Application Amount | $1,365,000 |
| Average Applicant Income | $132,257 |
| Highest Applicant Income | $376,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ab&T filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Albany, GA | 27 | $ 4,065,000 | $ 150,555 | $ 120,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 470,000 | $ 235,000 | $ 116,000 |
| Outside any metro area | 2 | $ 320,000 | $ 160,000 | $ 111,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Jacksonville, FL | 1 | $ 465,000 | $ 465,000 | $ 376,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 235,000 | $ 235,000 | $ 138,000 |
Mortgage Loan Application Detail Totals for Ab&T in 2019
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 | 26 | $5,830,000 | $224,000 | $1,365,000 | $146,000 | $376,000 |
| Refinancing | 6 | $1,560,000 | $260,000 | $1,055,000 | $78,000 | $78,000 |
| Home Improvement | 2 | $380,000 | $190,000 | $255,000 | $156,000 | $209,000 |
| Cash-out Refinancing | 1 | $55,000 | $55,000 | $55,000 | $53,000 | $53,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 20 | $5,350,000 | $267,000 | $1,365,000 | $0 | $0 |
| White | 11 | $2,165,000 | $196,000 | $465,000 | $154,000 | $376,000 |
| Black or African American | 4 | $310,000 | $77,000 | $215,000 | $89,000 | $112,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 35 | $7,825,000 | $223,000 | $1,365,000 | $137,000 | $376,000 |
| 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 | 35 | $7,825,000 | $223,000 | $1,365,000 | $137,000 | $376,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 34 | $7,610,000 | $223,000 | $1,365,000 | $138,000 | $376,000 |
| Debt-To-Income Ratio | 1 | $215,000 | $215,000 | $215,000 | $112,000 | $112,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ab&T's 2019 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 Ab&T'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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