Midtown Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Midtown Bank & Trust Company of Atlanta, GA reported 347 mortgage applications totaling $91.5 million, up 39% from 2011. The average application was for $263,772, and applicants reported an average income of $136,325. 6% of its applications resulted in an originated loan and 55% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (255), Charlotte-Gastonia-Rock Hill, NC-SC (16) and Knoxville, TN (11) (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 | 347 |
| Total Mortgage Loan Application Amount | $91,529,000 |
| Average Mortgage Loan Application Amount | $263,772 |
| Highest Mortgage Loan Application Amount | $2,900,000 |
| Average Applicant Income | $136,325 |
| Highest Applicant Income | $1,248,000 |
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records Midtown Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 100 | $ 31,768,000 | $ 317,680 | $ 164,000 |
| Cobb, Georgia | 43 | $ 8,265,000 | $ 192,209 | $ 119,000 |
| DeKalb, Georgia | 38 | $ 12,050,000 | $ 317,105 | $ 127,000 |
| Gwinnett, Georgia | 25 | $ 5,102,000 | $ 204,080 | $ 124,000 |
| Forsyth, Georgia | 16 | $ 4,236,000 | $ 264,750 | $ 122,000 |
| Mecklenburg, North Carolina | 14 | $ 3,056,000 | $ 218,285 | $ 98,000 |
| Hall, Georgia | 9 | $ 6,367,000 | $ 707,444 | $ 73,000 |
| Knox, Tennessee | 8 | $ 1,370,000 | $ 171,250 | $ 71,000 |
| Cherokee, Georgia | 5 | $ 891,000 | $ 178,200 | $ 138,000 |
| Henry, Georgia | 5 | $ 578,000 | $ 115,600 | $ 63,000 |
| Chatham, Georgia | 4 | $ 1,003,000 | $ 250,750 | $ 181,000 |
| Paulding, Georgia | 4 | $ 480,000 | $ 120,000 | $ 85,000 |
| Newton, Georgia | 3 | $ 350,000 | $ 116,666 | $ 86,000 |
| Rockdale, Georgia | 3 | $ 409,000 | $ 136,333 | $ 63,000 |
| Walton, Georgia | 3 | $ 675,000 | $ 225,000 | $ 124,000 |
| Sevier, Tennessee | 3 | $ 481,000 | $ 160,333 | $ 62,000 |
| Bay, Florida | 2 | $ 295,000 | $ 147,500 | $ 657,000 |
| Bartow, Georgia | 2 | $ 367,000 | $ 183,500 | $ 78,000 |
| Coweta, Georgia | 2 | $ 647,000 | $ 323,500 | $ 78,000 |
| Fayette, Georgia | 2 | $ 401,000 | $ 200,500 | $ 79,000 |
| Glynn, Georgia | 2 | $ 559,000 | $ 279,500 | $ 76,000 |
| Jackson, Georgia | 2 | $ 341,000 | $ 170,500 | $ 91,000 |
| Whitfield, Georgia | 2 | $ 160,000 | $ 80,000 | $ 25,000 |
| Williamson, Tennessee | 2 | $ 633,000 | $ 316,500 | $ 102,000 |
| Wilson, Tennessee | 2 | $ 365,000 | $ 182,500 | $ 171,000 |
| Baldwin, Alabama | 1 | $ 194,000 | $ 194,000 | $ 119,000 |
| Lee, Alabama | 1 | $ 114,000 | $ 114,000 | $ 37,000 |
| Randolph, Alabama | 1 | $ 242,000 | $ 242,000 | $ 200,000 |
| Maricopa, Arizona | 1 | $ 177,000 | $ 177,000 | $ 99,000 |
| District of Columbia, District Of Columbia | 1 | $ 417,000 | $ 417,000 | $ 933,000 |
| Broward, Florida | 1 | $ 163,000 | $ 163,000 | $ 83,000 |
| Lee, Florida | 1 | $ 274,000 | $ 274,000 | $ 188,000 |
| Sarasota, Florida | 1 | $ 71,000 | $ 71,000 | $ 85,000 |
| Walton, Florida | 1 | $ 187,000 | $ 187,000 | $ 90,000 |
| Carroll, Georgia | 1 | $ 214,000 | $ 214,000 | $ 143,000 |
| Douglas, Georgia | 1 | $ 239,000 | $ 239,000 | $ 168,000 |
| Fannin, Georgia | 1 | $ 371,000 | $ 371,000 | $ 148,000 |
| Greene, Georgia | 1 | $ 393,000 | $ 393,000 | $ 300,000 |
| Hancock, Georgia | 1 | $ 167,000 | $ 167,000 | $ 163,000 |
| Haralson, Georgia | 1 | $ 102,000 | $ 102,000 | $ 73,000 |
| Hart, Georgia | 1 | $ 156,000 | $ 156,000 | $ 55,000 |
| Lee, Georgia | 1 | $ 104,000 | $ 104,000 | $ 42,000 |
| Lumpkin, Georgia | 1 | $ 285,000 | $ 285,000 | $ 131,000 |
| McIntosh, Georgia | 1 | $ 300,000 | $ 300,000 | $ 123,000 |
| Montgomery, Georgia | 1 | $ 170,000 | $ 170,000 | $ 52,000 |
| Muscogee, Georgia | 1 | $ 340,000 | $ 340,000 | $ 152,000 |
| Oconee, Georgia | 1 | $ 166,000 | $ 166,000 | $ 48,000 |
| Pickens, Georgia | 1 | $ 180,000 | $ 180,000 | $ 100,000 |
| Putnam, Georgia | 1 | $ 252,000 | $ 252,000 | $ 340,000 |
| Rabun, Georgia | 1 | $ 88,000 | $ 88,000 | $ 177,000 |
| Troup, Georgia | 1 | $ 350,000 | $ 350,000 | $ 98,000 |
| White, Georgia | 1 | $ 182,000 | $ 182,000 | $ 103,000 |
| Saratoga, New York | 1 | $ 281,000 | $ 281,000 | $ 102,000 |
| Carteret, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 105,000 |
| Catawba, North Carolina | 1 | $ 239,000 | $ 239,000 | $ 360,000 |
| Davidson, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Montgomery, North Carolina | 1 | $ 400,000 | $ 400,000 | $ 264,000 |
| Union, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 180,000 |
| Wilkes, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 75,000 |
| Charleston, South Carolina | 1 | $ 400,000 | $ 400,000 | $ 480,000 |
| Oconee, South Carolina | 1 | $ 222,000 | $ 222,000 | $ 336,000 |
| York, South Carolina | 1 | $ 211,000 | $ 211,000 | $ 41,000 |
| Anderson, Tennessee | 1 | $ 169,000 | $ 169,000 | $ 37,000 |
| Blount, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 67,000 |
| Davidson, Tennessee | 1 | $ 97,000 | $ 97,000 | $ 102,000 |
| Grainger, Tennessee | 1 | $ 402,000 | $ 402,000 | $ 104,000 |
| Loudon, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 77,000 |
| Monroe, Tennessee | 1 | $ 79,000 | $ 79,000 | $ 213,000 |
| Rutherford, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Prince William, Virginia | 1 | $ 342,000 | $ 342,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for Midtown Bank & Trust Company in 2012
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 | 319 | $80,480,000 | $252,000 | $2,900,000 | $132,000 | $832,000 |
| Home Purchase | 25 | $10,151,000 | $406,000 | $2,400,000 | $193,000 | $1,248,000 |
| Home Improvement | 3 | $898,000 | $299,000 | $882,000 | $124,000 | $256,000 |
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 | 275 | $63,356,000 | $230,000 | $873,000 | $142,000 | $1,248,000 |
| Not Provided | 27 | $7,386,000 | $273,000 | $919,000 | $152,000 | $744,000 |
| Not applicable | 15 | $13,725,000 | $915,000 | $2,900,000 | $0 | $0 |
| Asian | 14 | $3,429,000 | $244,000 | $592,000 | $177,000 | $933,000 |
| Black or African American | 13 | $2,889,000 | $222,000 | $882,000 | $91,000 | $256,000 |
| Hispanic | 2 | $533,000 | $266,000 | $315,000 | $152,000 | $204,000 |
| American Indian or Alaskan Native | 1 | $211,000 | $211,000 | $211,000 | $8,000 | $8,000 |
| 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) | 341 | $90,550,000 | $265,000 | $2,900,000 | $137,000 | $1,248,000 |
| FHA-insured (Federal Housing Administration) | 4 | $520,000 | $130,000 | $157,000 | $27,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 2 | $459,000 | $229,000 | $285,000 | $104,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 190 | $43,490,000 | $228,000 | $919,000 | $128,000 | $832,000 |
| Application Withdrawn By Applicant | 103 | $30,220,000 | $293,000 | $2,900,000 | $169,000 | $1,248,000 |
| File Closed For Incompleteness | 29 | $6,448,000 | $222,000 | $600,000 | $117,000 | $336,000 |
| Loan Originated | 22 | $9,335,000 | $424,000 | $1,900,000 | $93,000 | $596,000 |
| Application Approved But Not Accepted | 3 | $2,036,000 | $678,000 | $1,600,000 | $39,000 | $118,000 |
| 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 2012 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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