Ab&T National Bank Mortgage Lending & HMDA Data, 2004
In 2004, Ab&T National Bank of Albany, GA reported 161 mortgage applications totaling $13.4 million, up 42% from 2003. The average application was for $83,422, and applicants reported an average income of $87,944. 99% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Albany, GA (127), Auburn-Opelika, AL (6) and Valdosta, GA (2) (applications in parentheses).
| 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 | 161 |
| Total Mortgage Loan Application Amount | $13,431,000 |
| Average Mortgage Loan Application Amount | $83,422 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $87,944 |
| Highest Applicant Income | $370,000 |
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Act (HMDA) records Ab&T National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 93 | $ 8,029,000 | $ 86,333 | $ 54,000 |
| Lee, Georgia | 23 | $ 2,026,000 | $ 88,086 | $ 73,000 |
| Mitchell, Georgia | 8 | $ 504,000 | $ 63,000 | $ 48,000 |
| Worth, Georgia | 8 | $ 479,000 | $ 59,875 | $ 82,000 |
| Lee, Alabama | 6 | $ 880,000 | $ 146,666 | $ 49,000 |
| Sumter, Georgia | 5 | $ 290,000 | $ 58,000 | $ 225,000 |
| Colquitt, Georgia | 3 | $ 87,000 | $ 29,000 | $ 71,000 |
| Crisp, Georgia | 2 | $ 246,000 | $ 123,000 | $ 172,000 |
| Lowndes, Georgia | 2 | $ 49,000 | $ 24,500 | $ 57,000 |
| Terrell, Georgia | 2 | $ 217,000 | $ 108,500 | $ 71,000 |
| Thomas, Georgia | 2 | $ 36,000 | $ 18,000 | $ 54,000 |
| Bay, Florida | 1 | $ 225,000 | $ 225,000 | $ 258,000 |
| Baker, Georgia | 1 | $ 88,000 | $ 88,000 | $ 95,000 |
| Calhoun, Georgia | 1 | $ 68,000 | $ 68,000 | $ 96,000 |
| Cook, Georgia | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Macon, Georgia | 1 | $ 127,000 | $ 127,000 | $ 100,000 |
| Quitman, Georgia | 1 | $ 21,000 | $ 21,000 | $ 113,000 |
| Seminole, Georgia | 1 | $ 31,000 | $ 31,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Ab&T National Bank in 2004
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 | 72 | $6,618,000 | $153,333 | $500,000 | $129,000 | $370,000 |
| Refinancing | 65 | $5,981,000 | $146,000 | $338,000 | $94,000 | $357,000 |
| Home Improvement | 24 | $832,000 | $56,500 | $131,000 | $39,000 | $132,000 |
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 | 123 | $9,787,000 | $139,000 | $500,000 | $153,333 | $370,000 |
| Not applicable | 21 | $2,710,000 | $164,000 | $460,000 | $0 | $0 |
| Black or African American | 12 | $650,000 | $54,000 | $116,000 | $57,000 | $104,000 |
| Hispanic | 2 | $124,000 | $62,000 | $90,000 | $84,000 | $104,000 |
| Asian | 2 | $128,000 | $64,000 | $122,000 | $150,000 | $150,000 |
| American Indian or Alaskan Native | 1 | $32,000 | $32,000 | $32,000 | $37,000 | $37,000 |
| 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) | 161 | $13,431,000 | $150,333 | $500,000 | $131,000 | $370,000 |
| 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 | 159 | $13,286,000 | $152,666 | $500,000 | $130,000 | $370,000 |
| Application Denied By Financial Institution | 2 | $145,000 | $72,500 | $113,000 | $52,500 | $68,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $145,000 | $72,500 | $113,000 | $52,500 | $68,000 |
| 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 National Bank's 2004 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.
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