Bank Of Dudley Mortgage Rates, Fees & Info
Dudley, GALEI: 549300CWZXP5LD3GVV26
Tax ID: 58-0152750
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Bank Of Dudley is a smaller bank specializing in Home Purchase and Refi loans. Bank Of Dudley has a high proportion of conventional loans. Their top markets by origination volume include: Dublin, Macon, Vidalia, Warner Robins, and Asheville among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Bank Of Dudley has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
121Origination Dollar Volume (All Markets)
$16,575,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dublin, GA (FHA|USDA|VA) | 90 | $10,320,000 | $114,667 | $0 | 0.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 8 | $1,970,000 | $246,250 | $0 | 0.00% |
| Vidalia, GA (FHA|USDA|VA) | 3 | $1,715,000 | $571,667 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $990,000 | $123,750 | $0 | 0.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 6 | $600,000 | $100,000 | $0 | 0.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 0.00% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 121 | $16,575,000 | $136,983 | $0 | 0.00% |
For 2022, Bank Of Dudley's most frequently originated type of loan was Conventional, with 121 originations.
Loan Reason
For 2022, Bank Of Dudley's most frequently cited loan purpose was Home Purchase, with 75 originations. The 2nd most popular reason was Refi, with 35 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 121 | $16,575,000 | $136,983 | $0 | 0.00% |
For 2022, Bank Of Dudley's most frequently cited loan duration was Other, with 121 originations.
Loan Sizing
2022 saw Bank Of Dudley place emphasis on $100,000 or less loans with 66 originations, totaling $3,510,000 in origination value.
Applicant Income
Bank Of Dudley lent most frequently to those with incomes in the $50k-75k range, with 27 originations. The second most popular income band? $50k or less, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 121 | $16,575,000 | $136,983 | $0 | 0.00% |
Bank Of Dudley lent most frequently to those with DTI ratios of Exempt%, with 121 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Bank Of Dudley has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination92.56%
Bank Of Dudley has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 121 | $16,575,000 | $136,983 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 6.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 20.0% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Conventional home mortgage | Closing on a mortgage | 1 | 6.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Conventional home mortgage | Struggling to pay mortgage | 1 | 6.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 7 | 46.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | FHA mortgage | Struggling to pay mortgage | 1 | 6.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 6.7% |