The Park Avenue Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
The Park Avenue Bank 2008 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 | 862 |
| Total Mortgage Loan Application Amount | $104,029,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $2,140,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $1,123,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 201 | $ 19,996,000 | $ 99,000 | $ 73,000 |
| Bulloch County Georgia | 117 | $ 15,275,000 | $ 130,000 | $ 73,000 |
| Decatur County Georgia | 95 | $ 5,154,000 | $ 54,000 | $ 52,000 |
| Jeff Davis County Georgia | 59 | $ 3,948,000 | $ 66,000 | $ 43,000 |
| Appling County Georgia | 39 | $ 2,869,000 | $ 73,000 | $ 54,000 |
| Toombs County Georgia | 29 | $ 4,035,000 | $ 139,000 | $ 72,000 |
| Grady County Georgia | 28 | $ 2,931,000 | $ 104,000 | $ 80,000 |
| Henry County Georgia | 28 | $ 2,980,000 | $ 106,000 | $ 73,000 |
| Cook County Georgia | 27 | $ 3,869,000 | $ 143,000 | $ 82,000 |
| Hall County Georgia | 15 | $ 4,534,000 | $ 302,000 | $ 89,000 |
| Echols County Georgia | 13 | $ 408,000 | $ 31,000 | $ 46,000 |
| Marion County Florida | 12 | $ 2,118,000 | $ 176,000 | $ 33,000 |
| Newton County Georgia | 12 | $ 2,935,000 | $ 244,000 | $ 29,000 |
| Spalding County Georgia | 12 | $ 1,153,000 | $ 96,000 | $ 29,000 |
| Brooks County Georgia | 10 | $ 501,000 | $ 50,000 | $ 60,000 |
| Coffee County Georgia | 8 | $ 942,000 | $ 117,000 | $ 48,000 |
| Fulton County Georgia | 8 | $ 874,000 | $ 109,000 | $ 54,000 |
| Telfair County Georgia | 7 | $ 608,000 | $ 86,000 | $ 49,000 |
| Clayton County Georgia | 6 | $ 310,000 | $ 51,000 | $ 116,000 |
| Colquitt County Georgia | 5 | $ 483,000 | $ 96,000 | $ 60,000 |
| Jenkins County Georgia | 5 | $ 386,000 | $ 77,000 | $ 48,000 |
| Montgomery County Georgia | 5 | $ 506,000 | $ 101,000 | $ 49,000 |
| Seminole County Georgia | 5 | $ 209,000 | $ 41,000 | $ 40,000 |
| Walton County Florida | 4 | $ 3,122,000 | $ 780,000 | $ 189,000 |
| Berrien County Georgia | 4 | $ 935,000 | $ 233,000 | $ 127,000 |
| Gwinnett County Georgia | 4 | $ 1,279,000 | $ 319,000 | $ 20,000 |
| Lanier County Georgia | 4 | $ 224,000 | $ 56,000 | $ 46,000 |
| Wayne County Georgia | 4 | $ 311,000 | $ 77,000 | $ 108,000 |
| Franklin County Florida | 3 | $ 686,000 | $ 228,000 | $ 102,000 |
| Taylor County Florida | 3 | $ 491,000 | $ 163,000 | $ 75,000 |
| Chatham County Georgia | 3 | $ 433,000 | $ 144,000 | $ 42,000 |
| Clarke County Georgia | 3 | $ 361,000 | $ 120,000 | $ 51,000 |
| Crisp County Georgia | 3 | $ 823,000 | $ 274,000 | $ 93,000 |
| DeKalb County Georgia | 3 | $ 305,000 | $ 101,000 | $ 237,000 |
| Dodge County Georgia | 3 | $ 431,000 | $ 143,000 | $ 71,000 |
| Emanuel County Georgia | 3 | $ 540,000 | $ 180,000 | $ 61,000 |
| Evans County Georgia | 3 | $ 326,000 | $ 108,000 | $ 48,000 |
| Glynn County Georgia | 3 | $ 444,000 | $ 148,000 | $ 259,000 |
| Screven County Georgia | 3 | $ 209,000 | $ 69,000 | $ 56,000 |
| Tattnall County Georgia | 3 | $ 286,000 | $ 95,000 | $ 41,000 |
| Thomas County Georgia | 3 | $ 441,000 | $ 147,000 | $ 97,000 |
| Lee County Alabama | 2 | $ 266,000 | $ 133,000 | $ 234,000 |
| Hamilton County Florida | 2 | $ 49,000 | $ 24,000 | $ 52,000 |
| Madison County Florida | 2 | $ 247,000 | $ 123,000 | $ 112,000 |
| Wakulla County Florida | 2 | $ 573,000 | $ 286,000 | $ 470,000 |
| Butts County Georgia | 2 | $ 262,000 | $ 131,000 | $ 241,000 |
| Fayette County Georgia | 2 | $ 589,000 | $ 294,000 | $ 230,000 |
| Paulding County Georgia | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Wheeler County Georgia | 2 | $ 264,000 | $ 132,000 | $ 52,000 |
| Wilkes County Georgia | 2 | $ 99,000 | $ 49,000 | $ 33,000 |
| Tallapoosa County Alabama | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Pitkin County Colorado | 1 | $ 788,000 | $ 788,000 | $ 0 |
| Windham County Connecticut | 1 | $ 370,000 | $ 370,000 | $ 65,000 |
| Citrus County Florida | 1 | $ 242,000 | $ 242,000 | $ 84,000 |
| Clay County Florida | 1 | $ 1,852,000 | $ 1,852,000 | $ 0 |
| Lake County Florida | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Leon County Florida | 1 | $ 440,000 | $ 440,000 | $ 120,000 |
| Nassau County Florida | 1 | $ 1,200,000 | $ 1,200,000 | $ 501,000 |
| Okaloosa County Florida | 1 | $ 467,000 | $ 467,000 | $ 109,000 |
| Palm Beach County Florida | 1 | $ 363,000 | $ 363,000 | $ 105,000 |
| St. Lucie County Florida | 1 | $ 90,000 | $ 90,000 | $ 26,000 |
| Suwannee County Florida | 1 | $ 217,000 | $ 217,000 | $ 308,000 |
| Bartow County Georgia | 1 | $ 171,000 | $ 171,000 | $ 98,000 |
| Bibb County Georgia | 1 | $ 98,000 | $ 98,000 | $ 202,000 |
| Bryan County Georgia | 1 | $ 138,000 | $ 138,000 | $ 59,000 |
| Calhoun County Georgia | 1 | $ 32,000 | $ 32,000 | $ 28,000 |
| Camden County Georgia | 1 | $ 132,000 | $ 132,000 | $ 34,000 |
| Candler County Georgia | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Carroll County Georgia | 1 | $ 187,000 | $ 187,000 | $ 318,000 |
| Early County Georgia | 1 | $ 588,000 | $ 588,000 | $ 484,000 |
| Franklin County Georgia | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Gilmer County Georgia | 1 | $ 135,000 | $ 135,000 | $ 107,000 |
| Hancock County Georgia | 1 | $ 286,000 | $ 286,000 | $ 177,000 |
| Houston County Georgia | 1 | $ 120,000 | $ 120,000 | $ 59,000 |
| Liberty County Georgia | 1 | $ 133,000 | $ 133,000 | $ 58,000 |
| Lincoln County Georgia | 1 | $ 136,000 | $ 136,000 | $ 37,000 |
| Lumpkin County Georgia | 1 | $ 1,350,000 | $ 1,350,000 | $ 425,000 |
| Miller County Georgia | 1 | $ 26,000 | $ 26,000 | $ 63,000 |
| Mitchell County Georgia | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Morgan County Georgia | 1 | $ 374,000 | $ 374,000 | $ 71,000 |
| Muscogee County Georgia | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Pierce County Georgia | 1 | $ 107,000 | $ 107,000 | $ 29,000 |
| Pike County Georgia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Rabun County Georgia | 1 | $ 537,000 | $ 537,000 | $ 0 |
| Richmond County Georgia | 1 | $ 110,000 | $ 110,000 | $ 103,000 |
| Treutlen County Georgia | 1 | $ 33,000 | $ 33,000 | $ 94,000 |
| Ware County Georgia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Clarendon County South Carolina | 1 | $ 111,000 | $ 111,000 | $ 8,000 |
| Warren County Tennessee | 1 | $ 207,000 | $ 207,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for The Park Avenue Bank in 2008
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 | 393 | $54,215,000 | $137,000 | $1,852,000 | $85,000 | $1,123,000 |
| Home Purchase | 299 | $43,724,000 | $146,000 | $2,140,000 | $62,000 | $544,000 |
| Home Improvement | 170 | $6,090,000 | $35,000 | $1,000,000 | $48,000 | $326,000 |
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 | 603 | $68,220,000 | $113,000 | $1,350,000 | $85,000 | $1,123,000 |
| Not applicable | 124 | $29,145,000 | $235,000 | $2,140,000 | $0 | $0 |
| Black or African American | 106 | $4,536,000 | $42,000 | $400,000 | $54,000 | $252,000 |
| Hispanic | 12 | $779,000 | $64,000 | $234,000 | $45,000 | $121,000 |
| Not Provided | 11 | $714,000 | $64,000 | $187,000 | $189,000 | $711,000 |
| Asian | 5 | $543,000 | $108,000 | $297,000 | $149,000 | $414,000 |
| American Indian or Alaskan Native | 1 | $92,000 | $92,000 | $92,000 | $55,000 | $55,000 |
| 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) | 783 | $94,293,000 | $120,000 | $2,140,000 | $72,000 | $1,123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $4,586,000 | $111,000 | $252,000 | $40,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,652,000 | $132,000 | $266,000 | $63,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,498,000 | $138,000 | $322,000 | $62,000 | $196,000 |
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 | 652 | $88,853,000 | $136,000 | $2,140,000 | $75,000 | $1,123,000 |
| Application Denied By Financial Institution | 129 | $7,020,000 | $54,000 | $400,000 | $43,000 | $226,000 |
| Application Withdrawn By Applicant | 43 | $5,473,000 | $127,000 | $400,000 | $61,000 | $318,000 |
| Application Approved But Not Accepted | 38 | $2,683,000 | $70,000 | $254,000 | $94,000 | $758,000 |
| 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 | 91 | $3,561,000 | $39,000 | $266,000 | $41,000 | $154,000 |
| Debt-To-Income Ratio | 31 | $2,888,000 | $93,000 | $400,000 | $48,000 | $226,000 |
| Employment History | 2 | $221,000 | $110,000 | $120,000 | $29,000 | $29,000 |
| Collateral | 2 | $57,000 | $28,000 | $32,000 | $30,000 | $32,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $80,000 | $80,000 |
| Mortgage Insurance Denied | 1 | $118,000 | $118,000 | $118,000 | $47,000 | $47,000 |
| Other | 1 | $120,000 | $120,000 | $120,000 | $108,000 | $108,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Park Avenue Bank's 2008 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.