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Act (HMDA) records Rivoli Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 179 | $ 20,851,000 | $ 116,486 | $ 65,000 |
| Macon, GA | 150 | $ 18,976,000 | $ 126,506 | $ 84,000 |
| Atlanta-Sandy Springs-Marietta, GA | 63 | $ 10,656,000 | $ 169,142 | $ 83,000 |
| Albany, GA | 2 | $ 132,000 | $ 66,000 | $ 77,000 |
| Brunswick, GA | 2 | $ 286,000 | $ 143,000 | $ 281,000 |
| Orlando, FL | 2 | $ 305,000 | $ 152,500 | $ 76,000 |
| Asheville, NC | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 66,000 | $ 66,000 | $ 43,000 |
| Fayetteville, NC | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 117,000 | $ 117,000 | $ 130,000 |
| Jacksonville, FL | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Las Vegas-Paradise, NV | 1 | $ 261,000 | $ 261,000 | $ 300,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 111,000 | $ 111,000 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 226,000 | $ 226,000 | $ 76,000 |
| Valdosta, GA | 1 | $ 106,000 | $ 106,000 | $ 43,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 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.
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