Darby Bank & Trust, Co. Mortgage Lending & HMDA Data, 2009
In 2009, Darby Bank & Trust, Co. of Vidalia, GA reported 353 mortgage applications totaling $89.8 million, down 33% from 2008. The average application was for $254,252, and applicants reported an average income of $100,654. 78% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Savannah, GA (147), Valdosta, GA (5) and Atlanta-Sandy Springs-Marietta, GA (3) (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 | 353 |
| Total Mortgage Loan Application Amount | $89,751,000 |
| Average Mortgage Loan Application Amount | $254,252 |
| Highest Mortgage Loan Application Amount | $7,833,000 |
| Average Applicant Income | $100,654 |
| Highest Applicant Income | $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(HMDA) records Darby Bank & Trust, Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 147 | $ 68,711,000 | $ 467,421 | $ 112,000 |
| Valdosta, GA | 5 | $ 491,000 | $ 98,200 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 244,000 | $ 81,333 | $ 403,000 |
| Brunswick, GA | 2 | $ 634,000 | $ 317,000 | $ 237,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 4,815,000 | $ 2,407,500 | $ 30,000 |
| Warner Robins, GA | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 64,000 | $ 64,000 | $ 0 |
Mortgage Loan Application Detail Totals for Darby Bank & Trust, Co. in 2009
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 | 296 | $80,666,000 | $272,000 | $7,833,000 | $104,000 | $999,000 |
| Home Purchase | 40 | $7,733,000 | $193,000 | $2,500,000 | $80,000 | $420,000 |
| Home Improvement | 17 | $1,352,000 | $79,000 | $500,000 | $91,000 | $421,000 |
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 | 247 | $39,274,000 | $159,000 | $4,800,000 | $132,000 | $999,000 |
| Not applicable | 69 | $47,038,000 | $681,000 | $7,833,000 | $0 | $0 |
| Black or African American | 23 | $1,620,000 | $70,000 | $352,000 | $91,000 | $999,000 |
| Not Provided | 8 | $1,469,000 | $183,000 | $575,000 | $82,000 | $220,000 |
| Hispanic | 4 | $155,000 | $38,000 | $92,000 | $35,000 | $61,000 |
| American Indian or Alaskan Native | 1 | $48,000 | $48,000 | $48,000 | $52,000 | $52,000 |
| Asian | 1 | $147,000 | $147,000 | $147,000 | $74,000 | $74,000 |
| 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) | 332 | $87,105,000 | $262,000 | $7,833,000 | $104,000 | $999,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,079,000 | $83,000 | $159,000 | $39,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,109,000 | $277,000 | $426,000 | $93,000 | $143,000 |
| FHA-insured (Federal Housing Administration) | 4 | $458,000 | $114,000 | $130,000 | $25,000 | $67,000 |
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 | 275 | $77,717,000 | $282,000 | $7,833,000 | $106,000 | $999,000 |
| Application Withdrawn By Applicant | 38 | $6,359,000 | $167,000 | $1,009,000 | $100,000 | $999,000 |
| Application Denied By Financial Institution | 32 | $3,802,000 | $118,000 | $426,000 | $66,000 | $212,000 |
| Application Approved But Not Accepted | 7 | $1,573,000 | $224,000 | $401,000 | $47,000 | $147,000 |
| File Closed For Incompleteness | 1 | $300,000 | $300,000 | $300,000 | $220,000 | $220,000 |
| 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 | $1,732,000 | $96,000 | $195,000 | $40,000 | $102,000 |
| Collateral | 6 | $932,000 | $155,000 | $245,000 | $106,000 | $194,000 |
| Debt-To-Income Ratio | 4 | $748,000 | $187,000 | $426,000 | $48,000 | $99,000 |
| Unverifiable Information | 2 | $224,000 | $112,000 | $180,000 | $125,000 | $212,000 |
| Other | 1 | $90,000 | $90,000 | $90,000 | $195,000 | $195,000 |
| Credit Application Incomplete | 1 | $76,000 | $76,000 | $76,000 | $120,000 | $120,000 |
| 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 2009 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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