Ab&T National Bank Mortgage Lending & HMDA Data, 2003
In 2003, Ab&T National Bank of Albany, GA reported 113 mortgage applications totaling $8.9 million. The average application was for $78,840, and applicants reported an average income of $47,893. 93% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Albany, GA (88) and Panama City, FL (1).
| Mortgage Company & Address | Ab&T National Bank 2815 Meredyth Drive Albany, GA 31707 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 113 |
| Total Mortgage Loan Application Amount | $8,909,000 |
| Average Mortgage Loan Application Amount | $78,840 |
| Highest Mortgage Loan Application Amount | $648,000 |
| Average Applicant Income | $47,893 |
| Highest Applicant Income | $386,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ab&T National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dougherty, Georgia | 75 | $ 5,939,000 | $ 79,186 | $ 44,000 |
| Lee, Georgia | 13 | $ 956,000 | $ 73,538 | $ 46,000 |
| Worth, Georgia | 9 | $ 299,000 | $ 33,222 | $ 64,000 |
| Mitchell, Georgia | 4 | $ 153,000 | $ 38,250 | $ 57,000 |
| Calhoun, Georgia | 3 | $ 206,000 | $ 68,666 | $ 87,000 |
| Terrell, Georgia | 2 | $ 235,000 | $ 117,500 | $ 60,000 |
| Bay, Florida | 1 | $ 83,000 | $ 83,000 | $ 126,000 |
| Brooks, Georgia | 1 | $ 43,000 | $ 43,000 | $ 53,000 |
| Clay, Georgia | 1 | $ 270,000 | $ 270,000 | $ 97,000 |
| Randolph, Georgia | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Sumter, Georgia | 1 | $ 36,000 | $ 36,000 | $ 122,000 |
| Thomas, Georgia | 1 | $ 68,000 | $ 68,000 | $ 35,000 |
| Tift, Georgia | 1 | $ 44,000 | $ 44,000 | $ 0 |
Mortgage Loan Application Detail Totals for Ab&T National Bank in 2003
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 (one-to-four family) | 53 | $3,220,000 | $71,500 | $281,000 | $91,000 | $386,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 40 | $4,004,000 | $100,000 | $577,000 | $49,000 | $203,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 14 | $1,565,000 | $111,000 | $648,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 6 | $120,000 | $20,000 | $41,000 | $69,000 | $106,000 |
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 | 88 | $6,190,000 | $76,500 | $370,000 | $90,500 | $386,000 |
| Black | 12 | $516,000 | $43,000 | $119,000 | $64,000 | $124,000 |
| Not applicable | 11 | $2,154,000 | $195,000 | $648,000 | $0 | $0 |
| Other | 1 | $36,000 | $36,000 | $36,000 | $122,000 | $122,000 |
| Hispanic | 1 | $13,000 | $13,000 | $13,000 | $104,000 | $104,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or 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) | 113 | $8,909,000 | $80,500 | $648,000 | $88,000 | $386,000 |
| 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 | 105 | $8,629,000 | $82,500 | $648,000 | $91,000 | $386,000 |
| Application Denied By Financial Institution | 8 | $280,000 | $35,000 | $79,000 | $29,000 | $67,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $53,000 | $17,000 | $25,000 | $43,000 | $67,000 |
| Debt-To-Income Ratio | 2 | $106,000 | $53,000 | $76,000 | $26,000 | $36,000 |
| Collateral | 2 | $42,000 | $21,000 | $37,000 | $20,000 | $29,000 |
| Employment History | 1 | $79,000 | $79,000 | $79,000 | $12,000 | $12,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ab&T National Bank's 2003 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 National 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.
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