Private Bank of Buckhead Mortgage Lending & HMDA Data, 2014
In 2014, Private Bank of Buckhead of Atlanta, GA reported 243 mortgage applications totaling $73.5 million, up 539% from 2013. The average application was for $302,510, and applicants reported an average income of $46,995. 20% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (116), Washington-Arlington-Alexandria, DC-VA-MD-WV (20) and Boston, MA (10) (applications in parentheses).
| Mortgage Company & Address | Private Bank of Buckhead 3565 Piedmont Road, Bldg 3, Ste 210 Atlanta, GA 30305 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 243 |
| Total Mortgage Loan Application Amount | $73,510,000 |
| Average Mortgage Loan Application Amount | $302,510 |
| Highest Mortgage Loan Application Amount | $1,740,000 |
| Average Applicant Income | $46,995 |
| Highest Applicant Income | $1,334,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Private Bank of Buckhead filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 116 | $ 40,863,000 | $ 352,267 | $ 66,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 20 | $ 7,166,000 | $ 358,300 | $ 20,950 |
| Boston, MA | 10 | $ 3,241,000 | $ 324,100 | $ 16,000 |
| Providence-Warwick, RI-MA | 5 | $ 1,489,000 | $ 297,800 | $ 45,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 937,000 | $ 234,250 | $ 59,000 |
| Silver Spring-Frederick-Rockville, MD | 4 | $ 1,728,000 | $ 432,000 | $ 43,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 594,000 | $ 198,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 3 | $ 391,000 | $ 130,333 | $ 18,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 724,000 | $ 241,333 | $ 26,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 735,000 | $ 245,000 | $ 72,000 |
| Dallas-Plano-Irving, TX | 2 | $ 320,000 | $ 160,000 | $ 139,000 |
| Greensboro-High Point, NC | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 416,000 | $ 208,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 338,000 | $ 169,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 375,000 | $ 187,500 | $ 0 |
| Oklahoma City, OK | 2 | $ 317,000 | $ 158,500 | $ 50,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 286,000 | $ 143,000 | $ 21,000 |
| Rockingham County-Strafford County, NH | 2 | $ 951,000 | $ 475,500 | $ 0 |
| San Diego-Carlsbad, CA | 2 | $ 724,000 | $ 362,000 | $ 0 |
| Albuquerque, NM | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 119,000 | $ 119,000 | $ 74,000 |
| Barnstable Town, MA | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Columbus, OH | 1 | $ 317,000 | $ 317,000 | $ 78,000 |
| Dalton, GA | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 390,000 | $ 390,000 | $ 78,000 |
| Gainesville, GA | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 270,000 | $ 270,000 | $ 107,000 |
| Hanford-Corcoran, CA | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Jackson, MS | 1 | $ 238,000 | $ 238,000 | $ 72,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Knoxville, TN | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 344,000 | $ 344,000 | $ 170,000 |
| Longview, TX | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Philadelphia, PA | 1 | $ 480,000 | $ 480,000 | $ 82,000 |
| Pittsburgh, PA | 1 | $ 182,000 | $ 182,000 | $ 53,000 |
| Portland-South Portland, ME | 1 | $ 140,000 | $ 140,000 | $ 61,000 |
| Provo-Orem, UT | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Richmond, VA | 1 | $ 248,000 | $ 248,000 | $ 60,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Rome, GA | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 152,000 | $ 152,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Warner Robins, GA | 1 | $ 204,000 | $ 204,000 | $ 93,000 |
| Worcester, MA-CT | 1 | $ 135,000 | $ 135,000 | $ 0 |
| York-Hanover, PA | 1 | $ 206,000 | $ 206,000 | $ 218,000 |
Mortgage Loan Application Detail Totals for Private Bank of Buckhead in 2014
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 | 161 | $46,657,000 | $289,000 | $1,740,000 | $49,000 | $1,334,000 |
| Home Purchase | 81 | $26,803,000 | $330,000 | $1,500,000 | $42,000 | $462,000 |
| Home Improvement | 1 | $50,000 | $50,000 | $50,000 | $129,000 | $129,000 |
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 | 145 | $44,550,000 | $307,000 | $1,740,000 | $51,000 | $1,334,000 |
| Not Provided | 47 | $14,810,000 | $315,000 | $1,200,000 | $54,000 | $646,000 |
| Black or African American | 21 | $5,594,000 | $266,000 | $1,000,000 | $36,000 | $170,000 |
| Hispanic | 12 | $2,853,000 | $237,000 | $467,000 | $8,000 | $78,000 |
| Asian | 9 | $2,598,000 | $288,000 | $743,000 | $45,000 | $153,000 |
| Not applicable | 5 | $2,022,000 | $404,000 | $675,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $850,000 | $283,000 | $350,000 | $42,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $233,000 | $233,000 | $233,000 | $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) | 210 | $65,623,000 | $312,000 | $1,740,000 | $54,000 | $1,334,000 |
| FHA-insured (Federal Housing Administration) | 28 | $5,826,000 | $208,000 | $467,000 | $4,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 5 | $2,061,000 | $412,000 | $845,000 | $0 | $0 |
| 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 Withdrawn By Applicant | 107 | $36,731,000 | $343,000 | $1,740,000 | $0 | $0 |
| Application Denied By Financial Institution | 83 | $20,158,000 | $242,000 | $1,200,000 | $32,000 | $300,000 |
| Loan Originated | 49 | $13,275,000 | $270,000 | $1,074,000 | $179,000 | $1,334,000 |
| File Closed For Incompleteness | 4 | $3,346,000 | $836,000 | $1,463,000 | $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 |
|---|---|---|---|---|---|---|
| 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 Private Bank of Buckhead's 2014 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 Private Bank of Buckhead'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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