Rivoli Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Rivoli Bank & Trust of Macon, GA reported 445 mortgage applications totaling $57.4 million, down 4% from 2004. The average application was for $129,015, and applicants reported an average income of $90,793. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Warner Robins, GA (163), Macon, GA (125) and Atlanta-Sandy Springs-Marietta, GA (98) (applications in parentheses).
| Mortgage Company & Address | Rivoli Bank & Trust Po Box 1936 Macon, GA 31202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 445 |
| Total Mortgage Loan Application Amount | $57,412,000 |
| Average Mortgage Loan Application Amount | $129,015 |
| Highest Mortgage Loan Application Amount | $1,989,000 |
| Average Applicant Income | $90,793 |
| Highest Applicant Income | $950,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rivoli Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston, Georgia | 163 | $ 17,925,000 | $ 109,969 | $ 51,000 |
| Bibb, Georgia | 93 | $ 9,368,000 | $ 100,731 | $ 111,000 |
| Fayette, Georgia | 29 | $ 6,537,000 | $ 225,413 | $ 146,000 |
| Spalding, Georgia | 25 | $ 3,928,000 | $ 157,120 | $ 41,000 |
| Peach, Georgia | 17 | $ 1,531,000 | $ 90,058 | $ 76,000 |
| Monroe, Georgia | 14 | $ 2,133,000 | $ 152,357 | $ 128,000 |
| Jones, Georgia | 13 | $ 1,048,000 | $ 80,615 | $ 50,000 |
| Coweta, Georgia | 10 | $ 1,713,000 | $ 171,300 | $ 37,000 |
| Clayton, Georgia | 8 | $ 920,000 | $ 115,000 | $ 45,000 |
| Fulton, Georgia | 8 | $ 1,148,000 | $ 143,500 | $ 87,000 |
| Taylor, Georgia | 8 | $ 933,000 | $ 116,625 | $ 64,000 |
| Henry, Georgia | 6 | $ 889,000 | $ 148,166 | $ 54,000 |
| Clarke, Georgia | 4 | $ 958,000 | $ 239,500 | $ 179,000 |
| Crawford, Georgia | 4 | $ 410,000 | $ 102,500 | $ 134,000 |
| Lamar, Georgia | 4 | $ 427,000 | $ 106,750 | $ 82,000 |
| Escambia, Florida | 3 | $ 1,556,000 | $ 518,666 | $ 0 |
| Cobb, Georgia | 3 | $ 388,000 | $ 129,333 | $ 491,000 |
| Walton, Florida | 2 | $ 896,000 | $ 448,000 | $ 324,000 |
| Gilmer, Georgia | 2 | $ 147,000 | $ 73,500 | $ 130,000 |
| Glynn, Georgia | 2 | $ 256,000 | $ 128,000 | $ 192,000 |
| Putnam, Georgia | 2 | $ 467,000 | $ 233,500 | $ 300,000 |
| Wilkinson, Georgia | 2 | $ 158,000 | $ 79,000 | $ 32,000 |
| Washoe, Nevada | 2 | $ 790,000 | $ 395,000 | $ 147,000 |
| Madison, Alabama | 1 | $ 169,000 | $ 169,000 | $ 62,000 |
| Randolph, Alabama | 1 | $ 253,000 | $ 253,000 | $ 103,000 |
| Tuscaloosa, Alabama | 1 | $ 114,000 | $ 114,000 | $ 33,000 |
| Baldwin, Georgia | 1 | $ 305,000 | $ 305,000 | $ 114,000 |
| Banks, Georgia | 1 | $ 156,000 | $ 156,000 | $ 27,000 |
| Bartow, Georgia | 1 | $ 176,000 | $ 176,000 | $ 73,000 |
| Bleckley, Georgia | 1 | $ 16,000 | $ 16,000 | $ 107,000 |
| Butts, Georgia | 1 | $ 110,000 | $ 110,000 | $ 48,000 |
| Crisp, Georgia | 1 | $ 60,000 | $ 60,000 | $ 100,000 |
| DeKalb, Georgia | 1 | $ 71,000 | $ 71,000 | $ 11,000 |
| Floyd, Georgia | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Macon, Georgia | 1 | $ 90,000 | $ 90,000 | $ 52,000 |
| Muscogee, Georgia | 1 | $ 78,000 | $ 78,000 | $ 51,000 |
| Paulding, Georgia | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Pike, Georgia | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Schley, Georgia | 1 | $ 141,000 | $ 141,000 | $ 96,000 |
| Towns, Georgia | 1 | $ 92,000 | $ 92,000 | $ 90,000 |
| Twiggs, Georgia | 1 | $ 71,000 | $ 71,000 | $ 55,000 |
| Upson, Georgia | 1 | $ 32,000 | $ 32,000 | $ 199,000 |
| Prince George's, Maryland | 1 | $ 252,000 | $ 252,000 | $ 75,000 |
| Sullivan, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Rivoli Bank & Trust in 2005
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 | 298 | $37,161,000 | $264,400 | $1,989,000 | $94,200 | $950,000 |
| Refinancing | 145 | $20,173,000 | $246,666 | $502,000 | $181,666 | $933,000 |
| Home Improvement | 2 | $78,000 | $39,000 | $52,000 | $48,000 | $49,000 |
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 | 372 | $46,894,000 | $256,833 | $632,000 | $106,500 | $950,000 |
| Black or African American | 46 | $5,813,000 | $126,000 | $332,000 | $66,000 | $221,000 |
| Not applicable | 11 | $2,762,000 | $251,000 | $1,989,000 | $19,000 | $96,000 |
| Asian | 8 | $820,000 | $102,000 | $232,000 | $67,000 | $128,000 |
| Hispanic | 6 | $931,000 | $155,000 | $572,000 | $153,000 | $623,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $76,000 | $76,000 | $76,000 | $37,000 | $37,000 |
| Not Provided | 1 | $116,000 | $116,000 | $116,000 | $25,000 | $25,000 |
| 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) | 376 | $48,152,000 | $257,166 | $1,989,000 | $107,000 | $950,000 |
| VA-guaranteed (Veterans Administration) | 52 | $7,283,000 | $140,000 | $283,000 | $56,000 | $185,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,462,000 | $132,000 | $179,000 | $44,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $515,000 | $85,000 | $165,000 | $32,000 | $70,000 |
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 | 445 | $57,412,000 | $257,666 | $1,989,000 | $104,833 | $950,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 Rivoli Bank & Trust's 2005 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 Rivoli Bank & Trust'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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