Bryan Bank and Trust Mortgage Lending & HMDA Data, 2006
In 2006, Bryan Bank and Trust of Richmond Hill, GA reported 120 mortgage applications totaling $18.9 million, up 9% from 2005. The average application was for $157,808, and applicants reported an average income of $143,966. 74% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Savannah, GA (88), Hinesville-Fort Stewart, GA (14) and Brunswick, GA (4) (applications in parentheses).
| Mortgage Company & Address | Bryan Bank and Trust P O Box 1299 Richmond Hill, GA 31324 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 120 |
| Total Mortgage Loan Application Amount | $18,937,000 |
| Average Mortgage Loan Application Amount | $157,808 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $143,966 |
| Highest Applicant Income | $2,934,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bryan Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Savannah, GA | 88 | $ 13,090,000 | $ 148,750 | $ 99,000 |
| Hinesville-Fort Stewart, GA | 14 | $ 1,167,000 | $ 83,357 | $ 72,000 |
| Brunswick, GA | 4 | $ 2,565,000 | $ 641,250 | $ 847,000 |
| Jacksonville, FL | 2 | $ 984,000 | $ 492,000 | $ 407,000 |
| Athens-Clarke County, GA | 1 | $ 120,000 | $ 120,000 | $ 148,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 89,000 | $ 89,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Bryan Bank and Trust in 2006
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 | 70 | $9,788,000 | $139,000 | $620,000 | $113,000 | $1,940,000 |
| Home Purchase | 46 | $8,375,000 | $182,000 | $1,250,000 | $135,000 | $2,700,000 |
| Home Improvement | 4 | $774,000 | $193,000 | $690,000 | $789,000 | $2,934,000 |
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 | 101 | $15,024,000 | $148,000 | $1,250,000 | $167,000 | $2,934,000 |
| Not applicable | 12 | $3,042,000 | $253,000 | $620,000 | $0 | $0 |
| Black or African American | 4 | $322,000 | $80,000 | $269,000 | $56,000 | $104,000 |
| Not Provided | 2 | $302,000 | $151,000 | $222,000 | $49,000 | $52,000 |
| Asian | 1 | $247,000 | $247,000 | $247,000 | $58,000 | $58,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other 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) | 119 | $18,797,000 | $157,000 | $1,250,000 | $145,000 | $2,934,000 |
| VA-guaranteed (Veterans Administration) | 1 | $140,000 | $140,000 | $140,000 | $42,000 | $42,000 |
| 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 |
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 | 89 | $14,583,000 | $163,000 | $1,250,000 | $177,000 | $2,934,000 |
| Application Approved But Not Accepted | 15 | $2,071,000 | $138,000 | $247,000 | $46,000 | $85,000 |
| Application Withdrawn By Applicant | 7 | $1,115,000 | $159,000 | $269,000 | $53,000 | $96,000 |
| File Closed For Incompleteness | 6 | $1,030,000 | $171,000 | $336,000 | $63,000 | $102,000 |
| Application Denied By Financial Institution | 3 | $138,000 | $46,000 | $80,000 | $25,000 | $28,000 |
| 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 | $128,000 | $64,000 | $80,000 | $27,000 | $28,000 |
| Employment History | 1 | $10,000 | $10,000 | $10,000 | $21,000 | $21,000 |
| 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 |
| 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 Bryan Bank and Trust's 2006 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 Bryan Bank and Trust'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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