Darby Bank & Trust, Co. Mortgage Lending & HMDA Data, 2008
In 2008, Darby Bank & Trust, Co. of Vidalia, GA reported 524 mortgage applications totaling $127.1 million, up 1% from 2007. The average application was for $242,585, and applicants reported an average income of $152,286. 82% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Savannah, GA (210), Valdosta, GA (16) and Atlanta-Sandy Springs-Marietta, GA (9) (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 | 524 |
| Total Mortgage Loan Application Amount | $127,115,000 |
| Average Mortgage Loan Application Amount | $242,585 |
| Highest Mortgage Loan Application Amount | $8,558,000 |
| Average Applicant Income | $152,286 |
| Highest Applicant Income | $9,999,000 |
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(HMDA) records Darby Bank & Trust, Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Toombs, Georgia | 204 | $ 11,392,000 | $ 55,843 | $ 65,000 |
| Chatham, Georgia | 195 | $ 85,890,000 | $ 440,461 | $ 262,000 |
| Montgomery, Georgia | 20 | $ 1,417,000 | $ 70,850 | $ 81,000 |
| Lowndes, Georgia | 15 | $ 9,059,000 | $ 603,933 | $ 55,000 |
| Effingham, Georgia | 11 | $ 1,827,000 | $ 166,090 | $ 285,000 |
| Emanuel, Georgia | 11 | $ 1,082,000 | $ 98,363 | $ 60,000 |
| Tattnall, Georgia | 7 | $ 393,000 | $ 56,142 | $ 55,000 |
| Treutlen, Georgia | 7 | $ 965,000 | $ 137,857 | $ 51,000 |
| Spalding, Georgia | 6 | $ 508,000 | $ 84,666 | $ 90,000 |
| Bulloch, Georgia | 5 | $ 489,000 | $ 97,800 | $ 61,000 |
| Laurens, Georgia | 5 | $ 647,000 | $ 129,400 | $ 121,000 |
| Bryan, Georgia | 4 | $ 317,000 | $ 79,250 | $ 786,000 |
| Liberty, Georgia | 4 | $ 3,479,000 | $ 869,750 | $ 90,000 |
| Beaufort, South Carolina | 4 | $ 1,240,000 | $ 310,000 | $ 273,000 |
| Bibb, Georgia | 2 | $ 183,000 | $ 91,500 | $ 79,000 |
| Candler, Georgia | 2 | $ 208,000 | $ 104,000 | $ 65,000 |
| Fulton, Georgia | 2 | $ 175,000 | $ 87,500 | $ 338,000 |
| Glynn, Georgia | 2 | $ 4,817,000 | $ 2,408,500 | $ 50,000 |
| Telfair, Georgia | 2 | $ 141,000 | $ 70,500 | $ 70,000 |
| Wheeler, Georgia | 2 | $ 158,000 | $ 79,000 | $ 46,000 |
| Franklin, Florida | 1 | $ 970,000 | $ 970,000 | $ 0 |
| Nassau, Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Taylor, Florida | 1 | $ 110,000 | $ 110,000 | $ 170,000 |
| Walton, Florida | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Appling, Georgia | 1 | $ 18,000 | $ 18,000 | $ 18,000 |
| Echols, Georgia | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Gwinnett, Georgia | 1 | $ 92,000 | $ 92,000 | $ 105,000 |
| Hancock, Georgia | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Jenkins, Georgia | 1 | $ 38,000 | $ 38,000 | $ 82,000 |
| McIntosh, Georgia | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Monroe, Georgia | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Putnam, Georgia | 1 | $ 115,000 | $ 115,000 | $ 195,000 |
| Wayne, Georgia | 1 | $ 208,000 | $ 208,000 | $ 80,000 |
| St. Tammany, Louisiana | 1 | $ 38,000 | $ 38,000 | $ 335,000 |
Mortgage Loan Application Detail Totals for Darby Bank & Trust, Co. in 2008
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 | 397 | $99,638,000 | $250,000 | $8,558,000 | $160,000 | $9,999,000 |
| Home Purchase | 84 | $18,490,000 | $220,000 | $2,806,000 | $160,000 | $5,119,000 |
| Home Improvement | 43 | $8,987,000 | $209,000 | $3,600,000 | $66,000 | $650,000 |
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 | 345 | $48,460,000 | $140,000 | $2,600,000 | $218,000 | $9,999,000 |
| Not applicable | 108 | $73,001,000 | $675,000 | $8,558,000 | $0 | $0 |
| Black or African American | 42 | $2,784,000 | $66,000 | $475,000 | $51,000 | $255,000 |
| Hispanic | 13 | $528,000 | $40,000 | $204,000 | $63,000 | $366,000 |
| Not Provided | 12 | $2,005,000 | $167,000 | $530,000 | $109,000 | $276,000 |
| American Indian or Alaskan Native | 2 | $182,000 | $91,000 | $113,000 | $132,000 | $147,000 |
| Asian | 2 | $155,000 | $77,000 | $144,000 | $95,000 | $180,000 |
| 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) | 508 | $125,086,000 | $246,000 | $8,558,000 | $155,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,709,000 | $122,000 | $246,000 | $52,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $121,000 | $121,000 | $121,000 | $31,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 1 | $199,000 | $199,000 | $199,000 | $63,000 | $63,000 |
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 | 431 | $108,771,000 | $252,000 | $8,558,000 | $158,000 | $9,999,000 |
| Application Withdrawn By Applicant | 47 | $10,716,000 | $228,000 | $700,000 | $182,000 | $5,119,000 |
| Application Denied By Financial Institution | 37 | $4,545,000 | $122,000 | $485,000 | $73,000 | $372,000 |
| Application Approved But Not Accepted | 7 | $2,859,000 | $408,000 | $1,631,000 | $43,000 | $130,000 |
| File Closed For Incompleteness | 2 | $224,000 | $112,000 | $155,000 | $98,000 | $147,000 |
| 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 | 18 | $2,133,000 | $118,000 | $485,000 | $49,000 | $131,000 |
| Collateral | 8 | $1,278,000 | $159,000 | $325,000 | $129,000 | $372,000 |
| Debt-To-Income Ratio | 6 | $549,000 | $91,000 | $208,000 | $41,000 | $80,000 |
| Other | 2 | $245,000 | $122,000 | $165,000 | $102,000 | $138,000 |
| Unverifiable Information | 2 | $325,000 | $162,000 | $175,000 | $150,000 | $160,000 |
| Credit Application Incomplete | 1 | $15,000 | $15,000 | $15,000 | $44,000 | $44,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Darby Bank & Trust, Co.'s 2008 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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