Midtown Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Midtown Bank & Trust Company of Atlanta, GA reported 166 mortgage applications totaling $48.9 million, down 52% from 2012. The average application was for $294,289, and applicants reported an average income of $149,686. 14% of its applications resulted in an originated loan and 39% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (125), Columbus, GA-AL (4) and Nashville-Davidson--Murfreesboro--Franklin, TN (3) (applications in parentheses).
| Mortgage Company & Address | Midtown Bank & Trust Company 712 West Peachtree St Atlanta, GA 30308 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 166 |
| Total Mortgage Loan Application Amount | $48,852,000 |
| Average Mortgage Loan Application Amount | $294,289 |
| Highest Mortgage Loan Application Amount | $4,786,000 |
| Average Applicant Income | $149,686 |
| Highest Applicant Income | $2,843,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Midtown Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fulton, Georgia | 46 | $ 18,165,000 | $ 394,891 | $ 199,000 |
| Cobb, Georgia | 19 | $ 3,508,000 | $ 184,631 | $ 118,000 |
| DeKalb, Georgia | 14 | $ 3,517,000 | $ 251,214 | $ 121,000 |
| Gwinnett, Georgia | 13 | $ 3,128,000 | $ 240,615 | $ 140,000 |
| Forsyth, Georgia | 9 | $ 2,201,000 | $ 244,555 | $ 113,000 |
| Cherokee, Georgia | 6 | $ 1,722,000 | $ 287,000 | $ 156,000 |
| Henry, Georgia | 4 | $ 1,471,000 | $ 367,750 | $ 299,000 |
| Newton, Georgia | 4 | $ 554,000 | $ 138,500 | $ 87,000 |
| Pickens, Georgia | 3 | $ 398,000 | $ 132,666 | $ 50,000 |
| Union, Georgia | 3 | $ 521,000 | $ 173,666 | $ 125,000 |
| Fayette, Georgia | 2 | $ 556,000 | $ 278,000 | $ 858,000 |
| Gilmer, Georgia | 2 | $ 440,000 | $ 220,000 | $ 165,000 |
| Harris, Georgia | 2 | $ 471,000 | $ 235,500 | $ 110,000 |
| Muscogee, Georgia | 2 | $ 337,000 | $ 168,500 | $ 154,000 |
| Charleston, South Carolina | 2 | $ 1,004,000 | $ 502,000 | $ 38,000 |
| Davidson, Tennessee | 2 | $ 227,000 | $ 113,500 | $ 87,000 |
| Shelby, Tennessee | 2 | $ 270,000 | $ 135,000 | $ 61,000 |
| Randolph, Alabama | 1 | $ 244,000 | $ 244,000 | $ 184,000 |
| Bay, Florida | 1 | $ 172,000 | $ 172,000 | $ 132,000 |
| Hillsborough, Florida | 1 | $ 212,000 | $ 212,000 | $ 10,000 |
| Orange, Florida | 1 | $ 341,000 | $ 341,000 | $ 444,000 |
| Carroll, Georgia | 1 | $ 104,000 | $ 104,000 | $ 42,000 |
| Clayton, Georgia | 1 | $ 4,786,000 | $ 4,786,000 | $ 0 |
| Douglas, Georgia | 1 | $ 170,000 | $ 170,000 | $ 48,000 |
| Effingham, Georgia | 1 | $ 208,000 | $ 208,000 | $ 59,000 |
| Gordon, Georgia | 1 | $ 102,000 | $ 102,000 | $ 36,000 |
| Hall, Georgia | 1 | $ 327,000 | $ 327,000 | $ 249,000 |
| Houston, Georgia | 1 | $ 178,000 | $ 178,000 | $ 65,000 |
| Oconee, Georgia | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Rockdale, Georgia | 1 | $ 33,000 | $ 33,000 | $ 127,000 |
| Troup, Georgia | 1 | $ 135,000 | $ 135,000 | $ 161,000 |
| Upson, Georgia | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Walton, Georgia | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Daviess, Kentucky | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Harrison, Mississippi | 1 | $ 104,000 | $ 104,000 | $ 49,000 |
| Jackson, North Carolina | 1 | $ 161,000 | $ 161,000 | $ 54,000 |
| Mecklenburg, North Carolina | 1 | $ 106,000 | $ 106,000 | $ 47,000 |
| Richland, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Blount, Tennessee | 1 | $ 182,000 | $ 182,000 | $ 91,000 |
| Knox, Tennessee | 1 | $ 258,000 | $ 258,000 | $ 224,000 |
| Maury, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Roane, Tennessee | 1 | $ 172,000 | $ 172,000 | $ 67,000 |
| Wilson, Tennessee | 1 | $ 400,000 | $ 400,000 | $ 124,000 |
| Milwaukee, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 0 |
Mortgage Loan Application Detail Totals for Midtown Bank & Trust Company in 2013
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 | 135 | $39,654,000 | $293,000 | $4,786,000 | $160,000 | $2,843,000 |
| Home Purchase | 29 | $7,685,000 | $265,000 | $1,000,000 | $112,000 | $441,000 |
| Home Improvement | 2 | $1,513,000 | $756,000 | $1,350,000 | $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 | 117 | $29,540,000 | $252,000 | $1,205,000 | $149,000 | $974,000 |
| Not applicable | 19 | $13,667,000 | $719,000 | $4,786,000 | $0 | $0 |
| Not Provided | 15 | $2,976,000 | $198,000 | $1,014,000 | $393,000 | $2,843,000 |
| Asian | 8 | $1,508,000 | $188,000 | $272,000 | $120,000 | $175,000 |
| Black or African American | 5 | $859,000 | $171,000 | $260,000 | $60,000 | $143,000 |
| Hispanic | 2 | $302,000 | $151,000 | $208,000 | $133,000 | $207,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 160 | $47,938,000 | $299,000 | $4,786,000 | $154,000 | $2,843,000 |
| FHA-insured (Federal Housing Administration) | 6 | $914,000 | $152,000 | $265,000 | $32,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 64 | $15,953,000 | $249,000 | $1,205,000 | $129,000 | $855,000 |
| Application Withdrawn By Applicant | 47 | $11,380,000 | $242,000 | $508,000 | $134,000 | $520,000 |
| File Closed For Incompleteness | 25 | $6,646,000 | $265,000 | $1,350,000 | $98,000 | $438,000 |
| Loan Originated | 24 | $12,033,000 | $501,000 | $4,786,000 | $270,000 | $2,843,000 |
| Application Approved But Not Accepted | 6 | $2,840,000 | $473,000 | $1,200,000 | $222,000 | $974,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midtown Bank & Trust Company's 2013 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 Midtown Bank & Trust Company'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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with aggregated HMDA statistics today.
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