Sb&T Mortgage Lending & HMDA Data, 2004
In 2004, Sb&T of Albany, GA reported 232 mortgage applications totaling $27.5 million, up 41% from 2003. The average application was for $118,530, and applicants reported an average income of $42,689. 99% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Albany, GA (205), Dothan, AL (2) and Atlanta-Sandy Springs-Marietta, GA (1) (applications in parentheses).
| Mortgage Company & Address | Sb&T Po Box 1912 Albany, GA 31703 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 232 |
| Total Mortgage Loan Application Amount | $27,499,000 |
| Average Mortgage Loan Application Amount | $118,530 |
| Highest Mortgage Loan Application Amount | $3,519,000 |
| Average Applicant Income | $42,689 |
| Highest Applicant Income | $320,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sb&T filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dougherty, Georgia | 157 | $ 11,595,000 | $ 73,853 | $ 34,000 |
| Lee, Georgia | 42 | $ 6,771,000 | $ 161,214 | $ 46,000 |
| Crisp, Georgia | 10 | $ 1,064,000 | $ 106,400 | $ 0 |
| Terrell, Georgia | 4 | $ 186,000 | $ 46,500 | $ 46,000 |
| Colquitt, Georgia | 3 | $ 940,000 | $ 313,333 | $ 15,000 |
| Mitchell, Georgia | 3 | $ 113,000 | $ 37,666 | $ 49,000 |
| Houston, Alabama | 2 | $ 3,740,000 | $ 1,870,000 | $ 0 |
| Bay, Florida | 1 | $ 110,000 | $ 110,000 | $ 133,000 |
| Leon, Florida | 1 | $ 117,000 | $ 117,000 | $ 140,000 |
| Okaloosa, Florida | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Orange, Florida | 1 | $ 6,000 | $ 6,000 | $ 66,000 |
| Baker, Georgia | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Bulloch, Georgia | 1 | $ 107,000 | $ 107,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 118,000 | $ 118,000 | $ 206,000 |
| Houston, Georgia | 1 | $ 29,000 | $ 29,000 | $ 36,000 |
| Richmond, Georgia | 1 | $ 42,000 | $ 42,000 | $ 60,000 |
| Troup, Georgia | 1 | $ 2,316,000 | $ 2,316,000 | $ 0 |
| Worth, Georgia | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Sb&T 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 | 134 | $10,673,000 | $104,000 | $782,000 | $57,000 | $206,000 |
| Refinancing | 85 | $16,571,000 | $714,000 | $3,519,000 | $58,333 | $320,000 |
| Home Improvement | 13 | $255,000 | $13,000 | $65,000 | $48,000 | $112,000 |
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 | 138 | $9,588,000 | $73,000 | $756,000 | $86,000 | $320,000 |
| Not applicable | 86 | $17,538,000 | $728,000 | $3,519,000 | $0 | $0 |
| Black or African American | 8 | $373,000 | $46,000 | $185,000 | $70,000 | $206,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 232 | $27,499,000 | $689,333 | $3,519,000 | $41,333 | $320,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 229 | $27,453,000 | $689,666 | $3,519,000 | $41,666 | $320,000 |
| Application Denied By Financial Institution | 3 | $46,000 | $15,000 | $33,000 | $21,000 | $26,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $46,000 | $15,000 | $33,000 | $21,000 | $26,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sb&T'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 Sb&T'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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