Rivoli Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Rivoli Bank & Trust of Macon, GA reported 464 mortgage applications totaling $60.5 million, up 648% from 2003. The average application was for $130,344, and applicants reported an average income of $88,353. 98% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Warner Robins, GA (179), Macon, GA (150) and Atlanta-Sandy Springs-Marietta, GA (63) (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 | 464 |
| Total Mortgage Loan Application Amount | $60,480,000 |
| Average Mortgage Loan Application Amount | $130,344 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $88,353 |
| Highest Applicant Income | $998,000 |
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Act (HMDA) records Rivoli Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 179 | $ 20,851,000 | $ 116,486 | $ 65,000 |
| Bibb, Georgia | 122 | $ 15,550,000 | $ 127,459 | $ 98,000 |
| Taylor, Georgia | 22 | $ 3,037,000 | $ 138,045 | $ 76,000 |
| Fayette, Georgia | 21 | $ 4,363,000 | $ 207,761 | $ 80,000 |
| Monroe, Georgia | 14 | $ 1,959,000 | $ 139,928 | $ 61,000 |
| Peach, Georgia | 14 | $ 1,572,000 | $ 112,285 | $ 73,000 |
| Henry, Georgia | 12 | $ 1,958,000 | $ 163,166 | $ 86,000 |
| Jones, Georgia | 10 | $ 1,105,000 | $ 110,500 | $ 90,000 |
| Spalding, Georgia | 7 | $ 790,000 | $ 112,857 | $ 44,000 |
| Coweta, Georgia | 5 | $ 748,000 | $ 149,600 | $ 65,000 |
| Baldwin, Georgia | 4 | $ 444,000 | $ 111,000 | $ 65,000 |
| Clayton, Georgia | 4 | $ 592,000 | $ 148,000 | $ 85,000 |
| DeKalb, Georgia | 4 | $ 353,000 | $ 88,250 | $ 82,000 |
| Crawford, Georgia | 3 | $ 279,000 | $ 93,000 | $ 66,000 |
| Macon, Georgia | 3 | $ 239,000 | $ 79,666 | $ 56,000 |
| Orange, Florida | 2 | $ 305,000 | $ 152,500 | $ 76,000 |
| Cherokee, Georgia | 2 | $ 156,000 | $ 78,000 | $ 81,000 |
| Glynn, Georgia | 2 | $ 286,000 | $ 143,000 | $ 281,000 |
| Gwinnett, Georgia | 2 | $ 181,000 | $ 90,500 | $ 46,000 |
| Laurens, Georgia | 2 | $ 113,000 | $ 56,500 | $ 32,000 |
| Lee, Georgia | 2 | $ 132,000 | $ 66,000 | $ 77,000 |
| Putnam, Georgia | 2 | $ 491,000 | $ 245,500 | $ 629,000 |
| Prince George's, Maryland | 2 | $ 245,000 | $ 122,500 | $ 62,000 |
| Hillsborough, Florida | 1 | $ 226,000 | $ 226,000 | $ 76,000 |
| Nassau, Florida | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Okaloosa, Florida | 1 | $ 117,000 | $ 117,000 | $ 130,000 |
| Volusia, Florida | 1 | $ 66,000 | $ 66,000 | $ 43,000 |
| Bleckley, Georgia | 1 | $ 80,000 | $ 80,000 | $ 123,000 |
| Bulloch, Georgia | 1 | $ 90,000 | $ 90,000 | $ 41,000 |
| Butts, Georgia | 1 | $ 110,000 | $ 110,000 | $ 48,000 |
| Douglas, Georgia | 1 | $ 323,000 | $ 323,000 | $ 125,000 |
| Fulton, Georgia | 1 | $ 200,000 | $ 200,000 | $ 83,000 |
| Gilmer, Georgia | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Hart, Georgia | 1 | $ 212,000 | $ 212,000 | $ 115,000 |
| Lowndes, Georgia | 1 | $ 106,000 | $ 106,000 | $ 43,000 |
| Madison, Georgia | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Morgan, Georgia | 1 | $ 436,000 | $ 436,000 | $ 742,000 |
| Newton, Georgia | 1 | $ 153,000 | $ 153,000 | $ 56,000 |
| Pickens, Georgia | 1 | $ 600,000 | $ 600,000 | $ 395,000 |
| Pike, Georgia | 1 | $ 129,000 | $ 129,000 | $ 57,000 |
| Twiggs, Georgia | 1 | $ 83,000 | $ 83,000 | $ 29,000 |
| Upson, Georgia | 1 | $ 243,000 | $ 243,000 | $ 80,000 |
| Clark, Nevada | 1 | $ 261,000 | $ 261,000 | $ 300,000 |
| Buncombe, North Carolina | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Hoke, North Carolina | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Davidson, Tennessee | 1 | $ 111,000 | $ 111,000 | $ 93,000 |
| Norfolk, Virginia | 1 | $ 156,000 | $ 156,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for Rivoli Bank & Trust in 2004
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 | 293 | $38,078,000 | $183,000 | $835,000 | $98,571 | $998,000 |
| Refinancing | 169 | $22,178,000 | $134,000 | $611,000 | $67,000 | $420,000 |
| Home Improvement | 2 | $224,000 | $112,000 | $125,000 | $169,000 | $250,000 |
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 | 395 | $51,941,000 | $151,000 | $611,000 | $110,500 | $998,000 |
| Black or African American | 32 | $3,597,000 | $112,000 | $274,000 | $89,000 | $264,000 |
| Not applicable | 16 | $2,473,000 | $362,000 | $835,000 | $0 | $0 |
| Hispanic | 12 | $1,245,000 | $84,000 | $219,000 | $68,000 | $115,000 |
| Asian | 6 | $1,009,000 | $163,000 | $300,000 | $48,500 | $95,000 |
| Not Provided | 2 | $150,000 | $75,000 | $124,000 | $280,000 | $509,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $144,000 | $144,000 |
| 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) | 400 | $51,456,000 | $216,428 | $835,000 | $93,000 | $998,000 |
| VA-guaranteed (Veterans Administration) | 55 | $8,234,000 | $139,000 | $308,000 | $50,000 | $134,000 |
| FHA-insured (Federal Housing Administration) | 5 | $498,000 | $99,000 | $136,000 | $53,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $292,000 | $73,000 | $110,000 | $44,000 | $63,000 |
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 | 455 | $58,966,000 | $184,857 | $835,000 | $96,000 | $998,000 |
| Application Withdrawn By Applicant | 9 | $1,514,000 | $123,500 | $320,000 | $76,500 | $216,000 |
| File Closed For Incompleteness | 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 |
| 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 Rivoli Bank & Trust's 2004 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About