Ab&T National Bank Mortgage Lending & HMDA Data, 2005
In 2005, Ab&T National Bank of Albany, GA reported 263 mortgage applications totaling $42.1 million, up 63% from 2004. The average application was for $159,977, and applicants reported an average income of $83,490. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Albany, GA (194), Charleston-North Charleston, SC (24) and Panama City-Lynn Haven, FL (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 | 263 |
| Total Mortgage Loan Application Amount | $42,074,000 |
| Average Mortgage Loan Application Amount | $159,977 |
| Highest Mortgage Loan Application Amount | $3,200,000 |
| Average Applicant Income | $83,490 |
| Highest Applicant Income | $1,164,000 |
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Act (HMDA) records Ab&T National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 131 | $ 10,708,000 | $ 81,740 | $ 53,000 |
| Lee, Georgia | 38 | $ 3,889,000 | $ 102,342 | $ 62,000 |
| Charleston, South Carolina | 24 | $ 18,977,000 | $ 790,708 | $ 432,000 |
| Worth, Georgia | 19 | $ 899,000 | $ 47,315 | $ 25,000 |
| Mitchell, Georgia | 11 | $ 717,000 | $ 65,181 | $ 46,000 |
| Sumter, Georgia | 9 | $ 898,000 | $ 99,777 | $ 107,000 |
| Terrell, Georgia | 5 | $ 287,000 | $ 57,400 | $ 40,000 |
| Clay, Georgia | 3 | $ 470,000 | $ 156,666 | $ 133,000 |
| Bay, Florida | 2 | $ 793,000 | $ 396,500 | $ 322,000 |
| Walton, Florida | 2 | $ 960,000 | $ 480,000 | $ 178,000 |
| Colquitt, Georgia | 2 | $ 84,000 | $ 42,000 | $ 82,000 |
| Henry, Alabama | 1 | $ 136,000 | $ 136,000 | $ 203,000 |
| Okaloosa, Florida | 1 | $ 610,000 | $ 610,000 | $ 448,000 |
| Wakulla, Florida | 1 | $ 161,000 | $ 161,000 | $ 60,000 |
| Baker, Georgia | 1 | $ 66,000 | $ 66,000 | $ 30,000 |
| Clarke, Georgia | 1 | $ 110,000 | $ 110,000 | $ 75,000 |
| Crisp, Georgia | 1 | $ 136,000 | $ 136,000 | $ 250,000 |
| Fulton, Georgia | 1 | $ 75,000 | $ 75,000 | $ 131,000 |
| Miller, Georgia | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Putnam, Georgia | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
| Quitman, Georgia | 1 | $ 31,000 | $ 31,000 | $ 72,000 |
| Richmond, Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Thomas, Georgia | 1 | $ 137,000 | $ 137,000 | $ 79,000 |
| Tift, Georgia | 1 | $ 51,000 | $ 51,000 | $ 18,000 |
| Towns, Georgia | 1 | $ 61,000 | $ 61,000 | $ 62,000 |
| Jackson, North Carolina | 1 | $ 480,000 | $ 480,000 | $ 200,000 |
| Mecklenburg, North Carolina | 1 | $ 188,000 | $ 188,000 | $ 26,000 |
| Pickens, South Carolina | 1 | $ 750,000 | $ 750,000 | $ 0 |
Mortgage Loan Application Detail Totals for Ab&T National Bank in 2005
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 | 136 | $23,863,000 | $312,000 | $2,000,000 | $145,800 | $1,164,000 |
| Refinancing | 102 | $17,392,000 | $472,750 | $3,200,000 | $157,500 | $799,000 |
| Home Improvement | 25 | $819,000 | $136,500 | $250,000 | $610,500 | $1,164,000 |
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 | 202 | $22,677,000 | $291,600 | $1,450,000 | $272,400 | $1,164,000 |
| Not applicable | 43 | $18,559,000 | $609,333 | $3,200,000 | $75,666 | $227,000 |
| Black or African American | 16 | $773,000 | $48,000 | $128,000 | $43,000 | $170,000 |
| Hispanic | 1 | $33,000 | $33,000 | $33,000 | $22,000 | $22,000 |
| Asian | 1 | $32,000 | $32,000 | $32,000 | $150,000 | $150,000 |
| American Indian or Alaskan Native | 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) | 263 | $42,074,000 | $352,400 | $3,200,000 | $195,200 | $1,164,000 |
| 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 | 262 | $42,068,000 | $352,400 | $3,200,000 | $195,200 | $1,164,000 |
| Application Denied By Financial Institution | 1 | $6,000 | $6,000 | $6,000 | $55,000 | $55,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $6,000 | $6,000 | $6,000 | $55,000 | $55,000 |
| 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 |
| Collateral | 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 2005 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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