Darby Bank & Trust, Co. Mortgage Lending & HMDA Data, 2004
In 2004, Darby Bank & Trust, Co. of Vidalia, GA reported 664 mortgage applications totaling $93.0 million, up 64% from 2003. The average application was for $140,061, and applicants reported an average income of $48,971. 97% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Savannah, GA (283), Atlanta-Sandy Springs-Marietta, GA (6) and Palm Bay-Melbourne-Titusville, FL (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 | 664 |
| Total Mortgage Loan Application Amount | $93,001,000 |
| Average Mortgage Loan Application Amount | $140,061 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $48,971 |
| Highest Applicant Income | $846,000 |
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(HMDA) records Darby Bank & Trust, Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 283 | $ 60,403,000 | $ 213,438 | $ 58,000 |
| Atlanta-Sandy Springs-Marietta, GA | 6 | $ 1,645,000 | $ 274,166 | $ 126,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 90,000 | $ 30,000 | $ 100,000 |
| Brunswick, GA | 2 | $ 134,000 | $ 67,000 | $ 67,000 |
| Asheville, NC | 1 | $ 154,000 | $ 154,000 | $ 222,000 |
| Macon, GA | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 223,000 | $ 223,000 | $ 288,000 |
| Orlando, FL | 1 | $ 247,000 | $ 247,000 | $ 0 |
Mortgage Loan Application Detail Totals for Darby Bank & Trust, Co. in 2004
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 | 385 | $51,046,000 | $216,333 | $3,003,000 | $75,333 | $846,000 |
| Home Purchase | 173 | $32,695,000 | $480,500 | $3,750,000 | $83,250 | $664,000 |
| Home Improvement | 106 | $9,260,000 | $116,500 | $1,096,000 | $141,000 | $500,000 |
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 | 465 | $46,969,000 | $149,500 | $1,971,000 | $135,250 | $846,000 |
| Not applicable | 137 | $43,859,000 | $672,666 | $3,750,000 | $0 | $0 |
| Black or African American | 36 | $877,000 | $24,000 | $89,000 | $43,000 | $166,000 |
| Hispanic | 15 | $668,000 | $44,000 | $286,000 | $42,000 | $96,000 |
| Not Provided | 8 | $477,000 | $165,000 | $306,000 | $24,000 | $120,000 |
| American Indian or Alaskan Native | 2 | $134,000 | $67,000 | $76,000 | $81,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $17,000 | $17,000 | $17,000 | $30,000 | $30,000 |
| 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) | 664 | $93,001,000 | $244,250 | $3,750,000 | $102,750 | $846,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 642 | $92,378,000 | $245,000 | $3,750,000 | $103,500 | $846,000 |
| Application Denied By Financial Institution | 22 | $623,000 | $28,000 | $110,000 | $38,000 | $120,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | $432,000 | $24,000 | $68,000 | $29,000 | $78,000 |
| Collateral | 2 | $22,000 | $11,000 | $13,000 | $63,000 | $120,000 |
| Other | 1 | $110,000 | $110,000 | $110,000 | $75,000 | $75,000 |
| Debt-To-Income Ratio | 1 | $59,000 | $59,000 | $59,000 | $47,000 | $47,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Darby Bank & Trust, Co.'s 2004 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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