The Park Avenue Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
The Park Avenue Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | The Park Avenue Bank 3250 N. Valdosta Rd. Valdosta, GA 31604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 586 |
| Total Mortgage Loan Application Amount | $47,558,000 |
| Average Mortgage Loan Application Amount | $132,375 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $92,750 |
| Highest Applicant Income | $980,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with The Park Avenue Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Park Avenue Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down The Park Avenue Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Park Avenue Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The Park Avenue Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Park Avenue Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lowndes County Georgia | 183 | $ 12,565,000 | $ 68,000 | $ 66,000 |
| Decatur County Georgia | 94 | $ 3,625,000 | $ 38,000 | $ 48,000 |
| Cook County Georgia | 54 | $ 1,975,000 | $ 36,000 | $ 33,000 |
| Bulloch County Georgia | 40 | $ 4,203,000 | $ 105,000 | $ 64,000 |
| Appling County Georgia | 29 | $ 733,000 | $ 25,000 | $ 49,000 |
| Henry County Georgia | 25 | $ 2,934,000 | $ 117,000 | $ 52,000 |
| Jeff Davis County Georgia | 17 | $ 275,000 | $ 16,000 | $ 40,000 |
| Grady County Georgia | 15 | $ 838,000 | $ 55,000 | $ 44,000 |
| Echols County Georgia | 10 | $ 432,000 | $ 43,000 | $ 20,000 |
| Hall County Georgia | 9 | $ 2,053,000 | $ 228,000 | $ 61,000 |
| Brooks County Georgia | 8 | $ 266,000 | $ 33,000 | $ 28,000 |
| Berrien County Georgia | 6 | $ 703,000 | $ 117,000 | $ 36,000 |
| Houston County Georgia | 6 | $ 1,052,000 | $ 175,000 | $ 0 |
| Lanier County Georgia | 5 | $ 361,000 | $ 72,000 | $ 66,000 |
| Hamilton County Florida | 4 | $ 103,000 | $ 25,000 | $ 47,000 |
| Colquitt County Georgia | 4 | $ 130,000 | $ 32,000 | $ 33,000 |
| Marion County Florida | 3 | $ 10,000 | $ 3,000 | $ 25,000 |
| Nassau County Florida | 3 | $ 1,086,000 | $ 362,000 | $ 285,000 |
| Glynn County Georgia | 3 | $ 1,786,000 | $ 595,000 | $ 56,000 |
| Lumpkin County Georgia | 3 | $ 613,000 | $ 204,000 | $ 0 |
| Monroe County Georgia | 3 | $ 228,000 | $ 76,000 | $ 0 |
| Seminole County Georgia | 3 | $ 83,000 | $ 27,000 | $ 58,000 |
| Tift County Georgia | 3 | $ 952,000 | $ 317,000 | $ 8,000 |
| Leon County Florida | 2 | $ 30,000 | $ 15,000 | $ 122,000 |
| Madison County Florida | 2 | $ 235,000 | $ 117,000 | $ 134,000 |
| Walton County Florida | 2 | $ 1,955,000 | $ 977,000 | $ 0 |
| Candler County Georgia | 2 | $ 30,000 | $ 15,000 | $ 45,000 |
| Clarke County Georgia | 2 | $ 1,934,000 | $ 967,000 | $ 178,000 |
| Clinch County Georgia | 2 | $ 71,000 | $ 35,000 | $ 39,000 |
| Montgomery County Georgia | 2 | $ 66,000 | $ 33,000 | $ 117,000 |
| Spalding County Georgia | 2 | $ 197,000 | $ 98,000 | $ 0 |
| Duval County Florida | 1 | $ 320,000 | $ 320,000 | $ 89,000 |
| Okaloosa County Florida | 1 | $ 360,000 | $ 360,000 | $ 432,000 |
| St. Johns County Florida | 1 | $ 20,000 | $ 20,000 | $ 980,000 |
| Suwannee County Florida | 1 | $ 129,000 | $ 129,000 | $ 7,000 |
| Taylor County Florida | 1 | $ 268,000 | $ 268,000 | $ 106,000 |
| Volusia County Florida | 1 | $ 620,000 | $ 620,000 | $ 0 |
| Wakulla County Florida | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Ben Hill County Georgia | 1 | $ 63,000 | $ 63,000 | $ 36,000 |
| Bibb County Georgia | 1 | $ 102,000 | $ 102,000 | $ 499,000 |
| Bryan County Georgia | 1 | $ 1,498,000 | $ 1,498,000 | $ 0 |
| Butts County Georgia | 1 | $ 70,000 | $ 70,000 | $ 92,000 |
| Chatham County Georgia | 1 | $ 136,000 | $ 136,000 | $ 65,000 |
| Coweta County Georgia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Crisp County Georgia | 1 | $ 196,000 | $ 196,000 | $ 119,000 |
| Dougherty County Georgia | 1 | $ 24,000 | $ 24,000 | $ 72,000 |
| Early County Georgia | 1 | $ 2,000 | $ 2,000 | $ 45,000 |
| Forsyth County Georgia | 1 | $ 68,000 | $ 68,000 | $ 98,000 |
| Fulton County Georgia | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Greene County Georgia | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Haralson County Georgia | 1 | $ 24,000 | $ 24,000 | $ 116,000 |
| Jackson County Georgia | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Jenkins County Georgia | 1 | $ 14,000 | $ 14,000 | $ 74,000 |
| Miller County Georgia | 1 | $ 21,000 | $ 21,000 | $ 63,000 |
| Mitchell County Georgia | 1 | $ 54,000 | $ 54,000 | $ 55,000 |
| Morgan County Georgia | 1 | $ 390,000 | $ 390,000 | $ 81,000 |
| Oconee County Georgia | 1 | $ 124,000 | $ 124,000 | $ 104,000 |
| Quitman County Georgia | 1 | $ 30,000 | $ 30,000 | $ 106,000 |
| Rabun County Georgia | 1 | $ 82,000 | $ 82,000 | $ 38,000 |
| Schley County Georgia | 1 | $ 46,000 | $ 46,000 | $ 62,000 |
| Sumter County Georgia | 1 | $ 13,000 | $ 13,000 | $ 58,000 |
| Telfair County Georgia | 1 | $ 4,000 | $ 4,000 | $ 18,000 |
| Thomas County Georgia | 1 | $ 22,000 | $ 22,000 | $ 99,000 |
| Toombs County Georgia | 1 | $ 8,000 | $ 8,000 | $ 75,000 |
| Turner County Georgia | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Walton County Georgia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Ware County Georgia | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Wayne County Georgia | 1 | $ 10,000 | $ 10,000 | $ 110,000 |
| Buncombe County North Carolina | 1 | $ 22,000 | $ 22,000 | $ 106,000 |
| Clarendon County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| Horry County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Park Avenue Bank 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 |
|---|---|---|---|---|---|---|
| Refinancing | 279 | $29,751,000 | $143,250 | $1,600,000 | $74,000 | $559,000 |
| Home Improvement | 167 | $2,641,000 | $12,500 | $222,000 | $136,000 | $980,000 |
| Home Purchase | 140 | $15,166,000 | $230,500 | $1,020,000 | $87,000 | $846,000 |
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 | 387 | $25,388,000 | $94,250 | $1,600,000 | $89,000 | $980,000 |
| Not applicable | 86 | $16,516,000 | $450,000 | $1,498,000 | $0 | $0 |
| Black or African American | 79 | $2,046,000 | $25,000 | $176,000 | $40,000 | $216,000 |
| Not Provided | 15 | $2,339,000 | $95,000 | $1,550,000 | $70,000 | $270,000 |
| Hispanic | 11 | $758,000 | $72,000 | $249,000 | $194,500 | $504,000 |
| Asian | 7 | $442,000 | $90,500 | $154,000 | $36,000 | $226,000 |
| American Indian or Alaskan Native | 1 | $69,000 | $69,000 | $69,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 586 | $47,558,000 | $120,000 | $1,600,000 | $82,250 | $980,000 |
| 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 | 502 | $43,265,000 | $128,250 | $1,600,000 | $87,000 | $980,000 |
| Application Denied By Financial Institution | 70 | $2,865,000 | $39,500 | $266,000 | $43,000 | $142,000 |
| Application Approved But Not Accepted | 9 | $1,239,000 | $88,000 | $1,000,000 | $98,500 | $270,000 |
| Application Withdrawn By Applicant | 5 | $189,000 | $37,000 | $50,000 | $45,000 | $62,000 |
| 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 | 47 | $1,648,000 | $36,000 | $202,000 | $42,500 | $106,000 |
| Debt-To-Income Ratio | 19 | $715,000 | $37,000 | $225,000 | $29,000 | $80,000 |
| Other | 2 | $418,000 | $209,000 | $266,000 | $87,000 | $142,000 |
| Collateral | 1 | $71,000 | $71,000 | $71,000 | $73,000 | $73,000 |
| Employment History | 1 | $13,000 | $13,000 | $13,000 | $8,000 | $8,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Park Avenue Bank'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 The Park Avenue Bank'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.