Darby Bank & Trust, Co. Mortgage Lending & HMDA Data, 2003
In 2003, Darby Bank & Trust, Co. of Vidalia, GA reported 405 mortgage applications totaling $37.7 million. The average application was for $92,995, and applicants reported an average income of $60,706. 93% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Savannah, GA (141), Atlanta, GA (1) and Charleston-North Charleston, SC (1) (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 | 405 |
| Total Mortgage Loan Application Amount | $37,663,000 |
| Average Mortgage Loan Application Amount | $92,995 |
| Highest Mortgage Loan Application Amount | $1,322,000 |
| Average Applicant Income | $60,706 |
| Highest Applicant Income | $600,000 |
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(HMDA) records Darby Bank & Trust, Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Darby Bank & Trust, Co. in 2003
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 |
|---|---|---|---|---|---|---|
| Home Purchase (one-to-four family) | 170 | $18,365,000 | $110,500 | $1,200,000 | $45,000 | $600,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 155 | $13,537,000 | $171,666 | $650,000 | $83,333 | $400,000 |
| Home Improvement (one-to-four family) | 77 | $4,666,000 | $464,666 | $1,322,000 | $95,000 | $400,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $1,095,000 | $365,000 | $770,000 | $0 | $0 |
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 | 299 | $26,450,000 | $145,750 | $1,322,000 | $80,000 | $600,000 |
| Not applicable | 49 | $9,030,000 | $250,333 | $1,200,000 | $0 | $0 |
| Black | 27 | $687,000 | $25,000 | $90,000 | $38,000 | $106,000 |
| Hispanic | 21 | $597,000 | $65,333 | $180,000 | $49,333 | $97,000 |
| Information not provided by applicant in mail or telephone application | 4 | $256,000 | $64,000 | $127,000 | $68,000 | $184,000 |
| Other | 4 | $639,000 | $159,000 | $445,000 | $143,000 | $491,000 |
| American Indian or Alaskan Native | 1 | $4,000 | $4,000 | $4,000 | $24,000 | $24,000 |
| Asian or 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) | 405 | $37,663,000 | $147,500 | $1,322,000 | $57,500 | $600,000 |
| 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 | 378 | $36,483,000 | $152,500 | $1,322,000 | $63,750 | $600,000 |
| Application Denied By Financial Institution | 27 | $1,180,000 | $31,000 | $250,000 | $27,500 | $130,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 22 | $1,106,000 | $34,500 | $250,000 | $26,000 | $130,000 |
| Other | 3 | $53,000 | $18,000 | $23,000 | $31,000 | $48,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $21,000 | $21,000 |
| Collateral | 1 | $6,000 | $6,000 | $6,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Darby Bank & Trust, Co.'s 2003 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.
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