Ab&T National Bank Mortgage Lending & HMDA Data, 2011
In 2011, Ab&T National Bank of Albany, GA reported 104 mortgage applications totaling $16.3 million, down 19% from 2010. The average application was for $157,201, and applicants reported an average income of $140,076. 88% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Albany, GA (67), Auburn-Opelika, AL (13) and Dothan, AL (6) (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 | $16,349,000 |
| Average Mortgage Loan Application Amount | $157,201 |
| Highest Mortgage Loan Application Amount | $1,212,000 |
| Average Applicant Income | $140,076 |
| Highest Applicant Income | $1,209,000 |
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Act (HMDA) records Ab&T National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 40 | $ 7,773,000 | $ 194,325 | $ 142,000 |
| Lee, Georgia | 14 | $ 2,055,000 | $ 146,785 | $ 122,000 |
| Lee, Alabama | 13 | $ 2,587,000 | $ 199,000 | $ 256,000 |
| Worth, Georgia | 10 | $ 476,000 | $ 47,600 | $ 94,000 |
| Houston, Alabama | 6 | $ 1,425,000 | $ 237,500 | $ 44,000 |
| Dale, Alabama | 5 | $ 354,000 | $ 70,800 | $ 14,000 |
| Bay, Florida | 4 | $ 716,000 | $ 179,000 | $ 228,000 |
| Terrell, Georgia | 3 | $ 122,000 | $ 40,666 | $ 94,000 |
| Coosa, Alabama | 1 | $ 94,000 | $ 94,000 | $ 66,000 |
| Cherokee, Georgia | 1 | $ 142,000 | $ 142,000 | $ 65,000 |
| Clarke, Georgia | 1 | $ 168,000 | $ 168,000 | $ 441,000 |
| Coweta, Georgia | 1 | $ 30,000 | $ 30,000 | $ 111,000 |
| Fayette, Georgia | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Grady, Georgia | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Spalding, Georgia | 1 | $ 80,000 | $ 80,000 | $ 0 |
| York, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 529,000 |
| Charleston, South Carolina | 1 | $ 106,000 | $ 106,000 | $ 163,000 |
Mortgage Loan Application Detail Totals for Ab&T National Bank in 2011
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 | 86 | $14,092,000 | $163,000 | $1,212,000 | $142,000 | $1,209,000 |
| Home Purchase | 13 | $2,231,000 | $171,000 | $390,000 | $162,000 | $552,000 |
| Home Improvement | 5 | $26,000 | $5,000 | $8,000 | $50,000 | $90,000 |
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 | 81 | $11,844,000 | $146,000 | $1,212,000 | $177,000 | $1,209,000 |
| Not applicable | 17 | $4,350,000 | $255,000 | $1,041,000 | $0 | $0 |
| Black or African American | 6 | $155,000 | $25,000 | $43,000 | $48,000 | $127,000 |
| 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) | 104 | $16,349,000 | $157,000 | $1,212,000 | $140,000 | $1,209,000 |
| 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 | 92 | $15,341,000 | $166,000 | $1,212,000 | $152,000 | $1,209,000 |
| Application Denied By Financial Institution | 7 | $254,000 | $36,000 | $142,000 | $42,000 | $65,000 |
| Application Withdrawn By Applicant | 4 | $564,000 | $141,000 | $340,000 | $58,000 | $117,000 |
| Application Approved But Not Accepted | 1 | $190,000 | $190,000 | $190,000 | $84,000 | $84,000 |
| 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 | 5 | $244,000 | $48,000 | $142,000 | $38,000 | $65,000 |
| Debt-To-Income Ratio | 2 | $10,000 | $5,000 | $5,000 | $52,000 | $62,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ab&T National Bank's 2011 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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