The Park Avenue Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
The Park Avenue Bank 2009 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 | 659 |
| Total Mortgage Loan Application Amount | $67,258,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $1,810,000 |
| Average Applicant Income | $62,333 |
| Highest Applicant Income | $1,140,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 134 | $ 11,140,000 | $ 83,000 | $ 64,000 |
| Bulloch County Georgia | 72 | $ 8,649,000 | $ 120,000 | $ 64,000 |
| Jeff Davis County Georgia | 59 | $ 3,683,000 | $ 62,000 | $ 52,000 |
| Decatur County Georgia | 56 | $ 2,391,000 | $ 42,000 | $ 66,000 |
| Henry County Georgia | 34 | $ 5,659,000 | $ 166,000 | $ 81,000 |
| Toombs County Georgia | 27 | $ 3,375,000 | $ 125,000 | $ 61,000 |
| Cook County Georgia | 24 | $ 712,000 | $ 29,000 | $ 40,000 |
| Grady County Georgia | 21 | $ 1,449,000 | $ 69,000 | $ 42,000 |
| Appling County Georgia | 20 | $ 1,593,000 | $ 79,000 | $ 54,000 |
| Coffee County Georgia | 17 | $ 1,584,000 | $ 93,000 | $ 39,000 |
| Echols County Georgia | 14 | $ 264,000 | $ 18,000 | $ 48,000 |
| Brooks County Georgia | 13 | $ 1,113,000 | $ 85,000 | $ 62,000 |
| Hall County Georgia | 12 | $ 1,261,000 | $ 105,000 | $ 47,000 |
| Tattnall County Georgia | 12 | $ 1,107,000 | $ 92,000 | $ 38,000 |
| Clayton County Georgia | 8 | $ 1,352,000 | $ 169,000 | $ 46,000 |
| Montgomery County Georgia | 8 | $ 959,000 | $ 119,000 | $ 55,000 |
| Butts County Georgia | 7 | $ 1,788,000 | $ 255,000 | $ 300,000 |
| Newton County Georgia | 7 | $ 2,135,000 | $ 305,000 | $ 8,000 |
| Marion County Florida | 6 | $ 506,000 | $ 84,000 | $ 46,000 |
| DeKalb County Georgia | 6 | $ 834,000 | $ 139,000 | $ 113,000 |
| Fulton County Georgia | 5 | $ 236,000 | $ 47,000 | $ 73,000 |
| Madison County Florida | 4 | $ 108,000 | $ 27,000 | $ 72,000 |
| Candler County Georgia | 4 | $ 488,000 | $ 122,000 | $ 44,000 |
| Dodge County Georgia | 4 | $ 509,000 | $ 127,000 | $ 49,000 |
| Seminole County Georgia | 4 | $ 100,000 | $ 25,000 | $ 30,000 |
| Bay County Florida | 3 | $ 639,000 | $ 213,000 | $ 484,000 |
| Gwinnett County Georgia | 3 | $ 525,000 | $ 175,000 | $ 0 |
| Lanier County Georgia | 3 | $ 879,000 | $ 293,000 | $ 109,000 |
| Mitchell County Georgia | 3 | $ 243,000 | $ 81,000 | $ 71,000 |
| Thomas County Georgia | 3 | $ 133,000 | $ 44,000 | $ 24,000 |
| Wayne County Georgia | 3 | $ 95,000 | $ 31,000 | $ 56,000 |
| Hamilton County Florida | 2 | $ 25,000 | $ 12,000 | $ 23,000 |
| Leon County Florida | 2 | $ 294,000 | $ 147,000 | $ 274,000 |
| Nassau County Florida | 2 | $ 336,000 | $ 168,000 | $ 57,000 |
| Walton County Florida | 2 | $ 1,296,000 | $ 648,000 | $ 0 |
| Baldwin County Georgia | 2 | $ 478,000 | $ 239,000 | $ 185,000 |
| Berrien County Georgia | 2 | $ 650,000 | $ 325,000 | $ 245,000 |
| Bryan County Georgia | 2 | $ 307,000 | $ 153,000 | $ 30,000 |
| Colquitt County Georgia | 2 | $ 325,000 | $ 162,000 | $ 113,000 |
| Dougherty County Georgia | 2 | $ 246,000 | $ 123,000 | $ 47,000 |
| Emanuel County Georgia | 2 | $ 208,000 | $ 104,000 | $ 34,000 |
| Evans County Georgia | 2 | $ 181,000 | $ 90,000 | $ 33,000 |
| Screven County Georgia | 2 | $ 150,000 | $ 75,000 | $ 36,000 |
| Telfair County Georgia | 2 | $ 63,000 | $ 31,000 | $ 50,000 |
| Treutlen County Georgia | 2 | $ 103,000 | $ 51,000 | $ 28,000 |
| Wheeler County Georgia | 2 | $ 50,000 | $ 25,000 | $ 32,000 |
| Wilkes County Georgia | 2 | $ 198,000 | $ 99,000 | $ 69,000 |
| Citrus County Florida | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Clay County Florida | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Duval County Florida | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Franklin County Florida | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 463,000 | $ 463,000 | $ 109,000 |
| Taylor County Florida | 1 | $ 259,000 | $ 259,000 | $ 393,000 |
| Volusia County Florida | 1 | $ 78,000 | $ 78,000 | $ 415,000 |
| Bacon County Georgia | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| Chatham County Georgia | 1 | $ 307,000 | $ 307,000 | $ 71,000 |
| Clarke County Georgia | 1 | $ 110,000 | $ 110,000 | $ 75,000 |
| Effingham County Georgia | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Forsyth County Georgia | 1 | $ 479,000 | $ 479,000 | $ 660,000 |
| Glynn County Georgia | 1 | $ 147,000 | $ 147,000 | $ 41,000 |
| Houston County Georgia | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Jefferson County Georgia | 1 | $ 225,000 | $ 225,000 | $ 45,000 |
| Jenkins County Georgia | 1 | $ 12,000 | $ 12,000 | $ 15,000 |
| Jones County Georgia | 1 | $ 192,000 | $ 192,000 | $ 103,000 |
| Lincoln County Georgia | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Lumpkin County Georgia | 1 | $ 1,310,000 | $ 1,310,000 | $ 222,000 |
| Madison County Georgia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Miller County Georgia | 1 | $ 4,000 | $ 4,000 | $ 28,000 |
| Morgan County Georgia | 1 | $ 350,000 | $ 350,000 | $ 249,000 |
| Oconee County Georgia | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Paulding County Georgia | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Pickens County Georgia | 1 | $ 63,000 | $ 63,000 | $ 27,000 |
| Polk County Georgia | 1 | $ 53,000 | $ 53,000 | $ 14,000 |
| Richmond County Georgia | 1 | $ 60,000 | $ 60,000 | $ 9,000 |
| Spalding County Georgia | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Walton County Georgia | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Ware County Georgia | 1 | $ 84,000 | $ 84,000 | $ 50,000 |
| Worth County Georgia | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for The Park Avenue Bank in 2009
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 | 285 | $35,750,000 | $125,000 | $1,310,000 | $72,000 | $1,140,000 |
| Home Purchase | 225 | $28,776,000 | $127,000 | $1,810,000 | $73,000 | $1,027,000 |
| Home Improvement | 149 | $2,732,000 | $18,000 | $546,000 | $42,000 | $211,000 |
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 | 467 | $45,217,000 | $96,000 | $1,810,000 | $79,000 | $1,140,000 |
| Not applicable | 85 | $15,639,000 | $183,000 | $848,000 | $0 | $0 |
| Black or African American | 74 | $2,791,000 | $37,000 | $213,000 | $46,000 | $174,000 |
| Hispanic | 16 | $899,000 | $56,000 | $191,000 | $46,000 | $92,000 |
| Not Provided | 15 | $2,593,000 | $172,000 | $950,000 | $135,000 | $660,000 |
| Asian | 2 | $119,000 | $59,000 | $111,000 | $32,000 | $34,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $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) | 530 | $51,895,000 | $97,000 | $1,810,000 | $69,000 | $1,140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 82 | $8,715,000 | $106,000 | $188,000 | $42,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 28 | $4,136,000 | $147,000 | $291,000 | $56,000 | $135,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,512,000 | $132,000 | $255,000 | $81,000 | $249,000 |
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 | 539 | $60,838,000 | $112,000 | $1,810,000 | $70,000 | $1,140,000 |
| Application Denied By Financial Institution | 78 | $3,281,000 | $42,000 | $213,000 | $39,000 | $164,000 |
| Application Withdrawn By Applicant | 25 | $2,223,000 | $88,000 | $258,000 | $49,000 | $109,000 |
| Application Approved But Not Accepted | 15 | $802,000 | $53,000 | $268,000 | $68,000 | $143,000 |
| File Closed For Incompleteness | 2 | $114,000 | $57,000 | $90,000 | $23,000 | $30,000 |
| 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 | 42 | $1,478,000 | $35,000 | $180,000 | $43,000 | $164,000 |
| Debt-To-Income Ratio | 25 | $986,000 | $39,000 | $179,000 | $29,000 | $72,000 |
| Collateral | 8 | $684,000 | $85,000 | $213,000 | $53,000 | $135,000 |
| Other | 1 | $80,000 | $80,000 | $80,000 | $32,000 | $32,000 |
| Employment History | 1 | $3,000 | $3,000 | $3,000 | $22,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $50,000 | $50,000 | $50,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Park Avenue Bank's 2009 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.