Darby Bank & Trust, Co. Mortgage Lending & HMDA Data, 2005
In 2005, Darby Bank & Trust, Co. of Vidalia, GA reported 506 mortgage applications totaling $78.2 million, down 24% from 2004. The average application was for $154,596, and applicants reported an average income of $75,541. 98% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Savannah, GA (237), Atlanta-Sandy Springs-Marietta, GA (4) and Hinesville-Fort Stewart, 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 | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 506 |
| Total Mortgage Loan Application Amount | $78,226,000 |
| Average Mortgage Loan Application Amount | $154,596 |
| Highest Mortgage Loan Application Amount | $3,920,000 |
| Average Applicant Income | $75,541 |
| Highest Applicant Income | $1,200,000 |
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(HMDA) records Darby Bank & Trust, Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 237 | $ 64,065,000 | $ 270,316 | $ 60,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 517,000 | $ 129,250 | $ 114,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 154,000 | $ 77,000 | $ 0 |
| Macon, GA | 2 | $ 210,000 | $ 105,000 | $ 82,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 119,000 | $ 119,000 | $ 35,000 |
| Brunswick, GA | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 85,000 | $ 85,000 | $ 300,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 57,000 | $ 57,000 | $ 0 |
Mortgage Loan Application Detail Totals for Darby Bank & Trust, Co. in 2005
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 | $33,330,000 | $95,000 | $1,326,000 | $132,400 | $1,200,000 |
| Home Purchase | 157 | $34,009,000 | $368,333 | $3,920,000 | $113,000 | $1,000,000 |
| Home Improvement | 53 | $10,887,000 | $162,000 | $2,747,000 | $91,000 | $501,000 |
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 | 351 | $47,839,000 | $188,000 | $2,747,000 | $152,750 | $804,000 |
| Not applicable | 110 | $28,912,000 | $235,000 | $3,920,000 | $34,333 | $1,200,000 |
| Black or African American | 25 | $657,000 | $26,000 | $105,000 | $39,000 | $167,000 |
| Hispanic | 15 | $553,000 | $87,500 | $217,000 | $34,000 | $85,000 |
| Asian | 2 | $145,000 | $72,000 | $125,000 | $56,000 | $63,000 |
| American Indian or Alaskan Native | 1 | $70,000 | $70,000 | $70,000 | $63,000 | $63,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $4,000 | $4,000 | $4,000 | $18,000 | $18,000 |
| Not Provided | 1 | $46,000 | $46,000 | $46,000 | $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) | 506 | $78,226,000 | $170,400 | $3,920,000 | $116,000 | $1,200,000 |
| 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 | 498 | $78,128,000 | $170,800 | $3,920,000 | $117,200 | $1,200,000 |
| Application Denied By Financial Institution | 8 | $98,000 | $12,000 | $20,000 | $26,000 | $42,000 |
| 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 | 4 | $34,000 | $8,000 | $15,000 | $23,000 | $29,000 |
| Other | 3 | $44,000 | $14,000 | $15,000 | $28,000 | $42,000 |
| Debt-To-Income Ratio | 1 | $20,000 | $20,000 | $20,000 | $32,000 | $32,000 |
| 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 |
| Collateral | 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 2005 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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