Sb&T Mortgage Lending & HMDA Data, 2007
In 2007, Sb&T of Albany, GA reported 134 mortgage applications totaling $26.6 million, up 9% from 2006. The average application was for $198,514, and applicants reported an average income of $70,738. 94% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Albany, GA (115), Fort Walton Beach-Crestview-Destin, FL (1) and Greenville-Mauldin-Easley, SC (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 | 134 |
| Total Mortgage Loan Application Amount | $26,601,000 |
| Average Mortgage Loan Application Amount | $198,514 |
| Highest Mortgage Loan Application Amount | $4,692,000 |
| Average Applicant Income | $70,738 |
| Highest Applicant Income | $911,000 |
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Disclosure Act (HMDA) records Sb&T filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 86 | $ 20,141,000 | $ 234,197 | $ 70,000 |
| Lee, Georgia | 22 | $ 3,362,000 | $ 152,818 | $ 95,000 |
| Mitchell, Georgia | 6 | $ 283,000 | $ 47,166 | $ 63,000 |
| Worth, Georgia | 5 | $ 308,000 | $ 61,600 | $ 76,000 |
| Colquitt, Georgia | 3 | $ 386,000 | $ 128,666 | $ 36,000 |
| Gulf, Florida | 2 | $ 714,000 | $ 357,000 | $ 0 |
| Calhoun, Georgia | 2 | $ 112,000 | $ 56,000 | $ 38,000 |
| Terrell, Georgia | 2 | $ 112,000 | $ 56,000 | $ 26,000 |
| Okaloosa, Florida | 1 | $ 353,000 | $ 353,000 | $ 72,000 |
| Walton, Florida | 1 | $ 451,000 | $ 451,000 | $ 0 |
| Clay, Georgia | 1 | $ 123,000 | $ 123,000 | $ 93,000 |
| Lowndes, Georgia | 1 | $ 50,000 | $ 50,000 | $ 180,000 |
| Tift, Georgia | 1 | $ 16,000 | $ 16,000 | $ 50,000 |
| Pickens, South Carolina | 1 | $ 190,000 | $ 190,000 | $ 0 |
Mortgage Loan Application Detail Totals for Sb&T in 2007
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 |
|---|---|---|---|---|---|---|
| Refinancing | 91 | $21,759,000 | $239,000 | $4,692,000 | $78,000 | $911,000 |
| Home Purchase | 30 | $4,598,000 | $153,000 | $1,357,000 | $59,000 | $350,000 |
| Home Improvement | 13 | $244,000 | $18,000 | $82,000 | $47,000 | $106,000 |
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 | 79 | $7,208,000 | $91,000 | $676,000 | $104,000 | $911,000 |
| Not applicable | 40 | $16,997,000 | $424,000 | $4,692,000 | $0 | $0 |
| Black or African American | 15 | $2,396,000 | $159,000 | $1,789,000 | $86,000 | $402,000 |
| 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) | 134 | $26,601,000 | $198,000 | $4,692,000 | $71,000 | $911,000 |
| 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 | 126 | $26,312,000 | $208,000 | $4,692,000 | $70,000 | $911,000 |
| Application Denied By Financial Institution | 7 | $269,000 | $38,000 | $114,000 | $67,000 | $118,000 |
| Application Approved But Not Accepted | 1 | $20,000 | $20,000 | $20,000 | $123,000 | $123,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $128,000 | $25,000 | $76,000 | $72,000 | $118,000 |
| Debt-To-Income Ratio | 2 | $141,000 | $70,000 | $114,000 | $55,000 | $70,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sb&T's 2007 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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with aggregated HMDA statistics today.
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