Ab&T National Bank Mortgage Lending & HMDA Data, 2009
In 2009, Ab&T National Bank of Albany, GA reported 104 mortgage applications totaling $8.4 million, down 19% from 2008. The average application was for $80,884, and applicants reported an average income of $116,490. 89% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Albany, GA (81), Dothan, AL (9) and Auburn-Opelika, AL (5) (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 | 104 |
| Total Mortgage Loan Application Amount | $8,412,000 |
| Average Mortgage Loan Application Amount | $80,884 |
| Highest Mortgage Loan Application Amount | $866,000 |
| Average Applicant Income | $116,490 |
| Highest Applicant Income | $1,126,000 |
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Act (HMDA) records Ab&T National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 67 | $ 4,971,000 | $ 74,194 | $ 112,000 |
| Lee, Georgia | 11 | $ 853,000 | $ 77,545 | $ 171,000 |
| Houston, Alabama | 8 | $ 581,000 | $ 72,625 | $ 40,000 |
| Lee, Alabama | 5 | $ 200,000 | $ 40,000 | $ 75,000 |
| Mitchell, Georgia | 4 | $ 283,000 | $ 70,750 | $ 95,000 |
| Worth, Georgia | 3 | $ 263,000 | $ 87,666 | $ 48,000 |
| Dale, Alabama | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Henry, Alabama | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Bay, Florida | 1 | $ 90,000 | $ 90,000 | $ 150,000 |
| Okaloosa, Florida | 1 | $ 866,000 | $ 866,000 | $ 1,126,000 |
| Calhoun, Georgia | 1 | $ 138,000 | $ 138,000 | $ 104,000 |
| Quitman, Georgia | 1 | $ 79,000 | $ 79,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for Ab&T National Bank in 2009
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 | 78 | $6,385,000 | $81,000 | $866,000 | $129,000 | $1,126,000 |
| Home Purchase | 21 | $1,932,000 | $92,000 | $225,000 | $78,000 | $521,000 |
| Home Improvement | 5 | $95,000 | $19,000 | $53,000 | $83,000 | $163,000 |
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 | 71 | $6,614,000 | $93,000 | $866,000 | $141,000 | $1,126,000 |
| Black or African American | 23 | $777,000 | $33,000 | $158,000 | $89,000 | $282,000 |
| Not applicable | 9 | $939,000 | $104,000 | $193,000 | $0 | $0 |
| Hispanic | 1 | $82,000 | $82,000 | $82,000 | $48,000 | $48,000 |
| 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) | 104 | $8,412,000 | $80,000 | $866,000 | $117,000 | $1,126,000 |
| 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 | 93 | $7,852,000 | $84,000 | $866,000 | $124,000 | $1,126,000 |
| Application Denied By Financial Institution | 6 | $209,000 | $34,000 | $93,000 | $56,000 | $163,000 |
| Application Withdrawn By Applicant | 4 | $277,000 | $69,000 | $154,000 | $63,000 | $110,000 |
| Application Approved But Not Accepted | 1 | $74,000 | $74,000 | $74,000 | $38,000 | $38,000 |
| File Closed For Incompleteness | 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 | 6 | $209,000 | $34,000 | $93,000 | $56,000 | $163,000 |
| 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 2009 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.
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