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Act (HMDA) records Rivoli Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warner Robins, GA | 163 | $ 17,925,000 | $ 109,969 | $ 51,000 |
| Macon, GA | 125 | $ 13,030,000 | $ 104,240 | $ 106,000 |
| Atlanta-Sandy Springs-Marietta, GA | 98 | $ 16,559,000 | $ 168,969 | $ 90,000 |
| Athens-Clarke County, GA | 4 | $ 958,000 | $ 239,500 | $ 179,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 1,556,000 | $ 518,666 | $ 0 |
| Brunswick, GA | 2 | $ 256,000 | $ 128,000 | $ 192,000 |
| Reno-Sparks, NV | 2 | $ 790,000 | $ 395,000 | $ 147,000 |
| Columbus, GA-AL | 1 | $ 78,000 | $ 78,000 | $ 51,000 |
| Huntsville, AL | 1 | $ 169,000 | $ 169,000 | $ 62,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 108,000 | $ 108,000 | $ 34,000 |
| Rome, GA | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 114,000 | $ 114,000 | $ 33,000 |
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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with aggregated HMDA statistics today.
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