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(HMDA) records Darby Bank & Trust, Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 210 | $ 88,034,000 | $ 419,209 | $ 273,000 |
| Valdosta, GA | 16 | $ 9,124,000 | $ 570,250 | $ 54,000 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 775,000 | $ 86,111 | $ 146,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 3,479,000 | $ 869,750 | $ 90,000 |
| Brunswick, GA | 3 | $ 4,966,000 | $ 1,655,333 | $ 33,000 |
| Macon, GA | 3 | $ 390,000 | $ 130,000 | $ 52,000 |
| Jacksonville, FL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 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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