Darby Bank & Trust, Co. Mortgage Lending & HMDA Data, 2010
In 2010, Darby Bank & Trust, Co. of Vidalia, GA reported 271 mortgage applications totaling $46.0 million. The average application was for $169,571, and applicants reported an average income of $82,151. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Savannah, GA (121), Billings, MT (2) and Brunswick, GA (2) (applications in parentheses).
| Mortgage Company & Address | Darby Bank & Trust, Co. 204 Durden Street Vidalia, GA 30474 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 |
| Total Number of Mortgage Applications | 271 |
| Total Mortgage Loan Application Amount | $45,954,000 |
| Average Mortgage Loan Application Amount | $169,571 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $82,151 |
| Highest Applicant Income | $1,328,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Darby Bank & Trust, Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 121 | $ 34,425,000 | $ 284,504 | $ 96,000 |
| Billings, MT | 2 | $ 694,000 | $ 347,000 | $ 280,000 |
| Brunswick, GA | 2 | $ 400,000 | $ 200,000 | $ 18,000 |
| Asheville, NC | 1 | $ 193,000 | $ 193,000 | $ 146,000 |
| Columbus, GA-AL | 1 | $ 404,000 | $ 404,000 | $ 0 |
| Macon, GA | 1 | $ 404,000 | $ 404,000 | $ 0 |
| Valdosta, GA | 1 | $ 97,000 | $ 97,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Darby Bank & Trust, Co. in 2010
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 | 223 | $39,831,000 | $178,000 | $4,000,000 | $82,000 | $1,328,000 |
| Home Purchase | 41 | $5,575,000 | $135,000 | $495,000 | $90,000 | $312,000 |
| Home Improvement | 7 | $548,000 | $78,000 | $141,000 | $41,000 | $157,000 |
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 | 171 | $23,360,000 | $136,000 | $4,000,000 | $107,000 | $1,328,000 |
| Not applicable | 59 | $16,771,000 | $284,000 | $2,518,000 | $0 | $0 |
| Black or African American | 17 | $1,353,000 | $79,000 | $495,000 | $73,000 | $192,000 |
| Not Provided | 15 | $3,473,000 | $231,000 | $1,200,000 | $148,000 | $790,000 |
| Hispanic | 5 | $523,000 | $104,000 | $337,000 | $42,000 | $88,000 |
| Asian | 3 | $444,000 | $148,000 | $188,000 | $58,000 | $79,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $166,000 | $166,000 |
| 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) | 260 | $44,792,000 | $172,000 | $4,000,000 | $83,000 | $1,328,000 |
| FHA-insured (Federal Housing Administration) | 5 | $560,000 | $112,000 | $163,000 | $34,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $399,000 | $79,000 | $131,000 | $55,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 1 | $203,000 | $203,000 | $203,000 | $102,000 | $102,000 |
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 | 211 | $37,289,000 | $176,000 | $4,000,000 | $79,000 | $1,124,000 |
| Application Denied By Financial Institution | 26 | $3,981,000 | $153,000 | $1,200,000 | $127,000 | $1,328,000 |
| Application Withdrawn By Applicant | 26 | $2,862,000 | $110,000 | $625,000 | $55,000 | $150,000 |
| Application Approved But Not Accepted | 7 | $1,570,000 | $224,000 | $700,000 | $97,000 | $185,000 |
| File Closed For Incompleteness | 1 | $252,000 | $252,000 | $252,000 | $120,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $1,381,000 | $92,000 | $495,000 | $45,000 | $152,000 |
| Debt-To-Income Ratio | 4 | $309,000 | $77,000 | $131,000 | $42,000 | $79,000 |
| Collateral | 4 | $1,962,000 | $490,000 | $1,200,000 | $547,000 | $1,328,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $277,000 | $138,000 | $162,000 | $124,000 | $213,000 |
| Other | 1 | $52,000 | $52,000 | $52,000 | $32,000 | $32,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Darby Bank & Trust, Co.'s 2010 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 Darby Bank & Trust, Co.'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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