Darby Bank & Trust, Co. Mortgage Lending & HMDA Data, 2007
In 2007, Darby Bank & Trust, Co. of Vidalia, GA reported 520 mortgage applications totaling $113.8 million, up 16% from 2006. The average application was for $218,819, and applicants reported an average income of $116,582. 84% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Savannah, GA (244), Valdosta, GA (9) and Brunswick, GA (5) (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 | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 520 |
| Total Mortgage Loan Application Amount | $113,786,000 |
| Average Mortgage Loan Application Amount | $218,819 |
| Highest Mortgage Loan Application Amount | $6,100,000 |
| Average Applicant Income | $116,582 |
| Highest Applicant Income | $6,449,000 |
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(HMDA) records Darby Bank & Trust, Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chatham, Georgia | 224 | $ 83,882,000 | $ 374,473 | $ 179,000 |
| Toombs, Georgia | 169 | $ 7,594,000 | $ 44,934 | $ 69,000 |
| Montgomery, Georgia | 21 | $ 926,000 | $ 44,095 | $ 64,000 |
| Tattnall, Georgia | 19 | $ 1,026,000 | $ 54,000 | $ 89,000 |
| Effingham, Georgia | 14 | $ 2,397,000 | $ 171,214 | $ 89,000 |
| Treutlen, Georgia | 11 | $ 349,000 | $ 31,727 | $ 33,000 |
| Lowndes, Georgia | 8 | $ 1,631,000 | $ 203,875 | $ 90,000 |
| Bryan, Georgia | 6 | $ 504,000 | $ 84,000 | $ 31,000 |
| Emanuel, Georgia | 6 | $ 303,000 | $ 50,500 | $ 47,000 |
| Bulloch, Georgia | 5 | $ 216,000 | $ 43,200 | $ 60,000 |
| Glynn, Georgia | 3 | $ 5,013,000 | $ 1,671,000 | $ 134,000 |
| Laurens, Georgia | 3 | $ 181,000 | $ 60,333 | $ 35,000 |
| Liberty, Georgia | 3 | $ 5,055,000 | $ 1,685,000 | $ 58,000 |
| Candler, Georgia | 2 | $ 101,000 | $ 50,500 | $ 31,000 |
| McIntosh, Georgia | 2 | $ 472,000 | $ 236,000 | $ 40,000 |
| Putnam, Georgia | 2 | $ 388,000 | $ 194,000 | $ 59,000 |
| Telfair, Georgia | 2 | $ 36,000 | $ 18,000 | $ 29,000 |
| Wheeler, Georgia | 2 | $ 56,000 | $ 28,000 | $ 39,000 |
| Transylvania, North Carolina | 2 | $ 422,000 | $ 211,000 | $ 0 |
| Beaufort, South Carolina | 2 | $ 376,000 | $ 188,000 | $ 30,000 |
| Jasper, South Carolina | 2 | $ 238,000 | $ 119,000 | $ 300,000 |
| District of Columbia, District Of Columbia | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Lee, Florida | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Walton, Florida | 1 | $ 920,000 | $ 920,000 | $ 0 |
| Appling, Georgia | 1 | $ 14,000 | $ 14,000 | $ 101,000 |
| Bibb, Georgia | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Brooks, Georgia | 1 | $ 81,000 | $ 81,000 | $ 73,000 |
| Cobb, Georgia | 1 | $ 722,000 | $ 722,000 | $ 0 |
| Evans, Georgia | 1 | $ 25,000 | $ 25,000 | $ 189,000 |
| Madison, Georgia | 1 | $ 266,000 | $ 266,000 | $ 103,000 |
| Wayne, Georgia | 1 | $ 87,000 | $ 87,000 | $ 53,000 |
| Wilcox, Georgia | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Carteret, North Carolina | 1 | $ 160,000 | $ 160,000 | $ 604,000 |
Mortgage Loan Application Detail Totals for Darby Bank & Trust, Co. in 2007
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 | 313 | $64,658,000 | $206,000 | $6,100,000 | $113,000 | $6,449,000 |
| Home Purchase | 162 | $37,985,000 | $234,000 | $4,800,000 | $137,000 | $6,000,000 |
| Home Improvement | 45 | $11,143,000 | $247,000 | $4,290,000 | $68,000 | $346,000 |
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 | 346 | $48,088,000 | $138,000 | $4,800,000 | $157,000 | $6,449,000 |
| Not applicable | 109 | $61,054,000 | $560,000 | $6,100,000 | $0 | $0 |
| Black or African American | 35 | $1,219,000 | $34,000 | $139,000 | $38,000 | $125,000 |
| Not Provided | 14 | $2,508,000 | $179,000 | $839,000 | $274,000 | $1,320,000 |
| Hispanic | 13 | $633,000 | $48,000 | $322,000 | $87,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $259,000 | $129,000 | $208,000 | $39,000 | $59,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $13,000 | $13,000 |
| Asian | 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) | 514 | $113,151,000 | $220,000 | $6,100,000 | $117,000 | $6,449,000 |
| FHA-insured (Federal Housing Administration) | 5 | $634,000 | $126,000 | $197,000 | $67,000 | $123,000 |
| VA-guaranteed (Veterans Administration) | 1 | $1,000 | $1,000 | $1,000 | $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 | 437 | $102,986,000 | $235,000 | $6,100,000 | $129,000 | $6,449,000 |
| Application Withdrawn By Applicant | 45 | $6,244,000 | $138,000 | $420,000 | $58,000 | $158,000 |
| Application Denied By Financial Institution | 35 | $3,581,000 | $102,000 | $839,000 | $52,000 | $488,000 |
| Application Approved But Not Accepted | 3 | $975,000 | $325,000 | $595,000 | $20,000 | $60,000 |
| 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 | 18 | $1,782,000 | $99,000 | $839,000 | $58,000 | $488,000 |
| Debt-To-Income Ratio | 4 | $574,000 | $143,000 | $180,000 | $62,000 | $81,000 |
| Collateral | 4 | $165,000 | $41,000 | $87,000 | $49,000 | $55,000 |
| Credit Application Incomplete | 4 | $519,000 | $129,000 | $208,000 | $21,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $214,000 | $107,000 | $169,000 | $69,000 | $119,000 |
| Unverifiable Information | 2 | $252,000 | $126,000 | $135,000 | $39,000 | $43,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $26,000 | $26,000 |
| Mortgage Insurance Denied | 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 2007 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About