Citizens South Bank
Mortgage Loan Application
Totals and Details
for 2012

Find mortgage loan statistics, lending data, and loan application totals for North Carolina.
The mortgage statistics and data below are specific to mortgage loan applications for Citizens South Bank.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2021.

Mortgage Company & Address Citizens South Bank
Po Box 2249
Gastonia, NC 28052
Tel #: available with data download
Federal Regulator * available with data download
Years 2012  
Total Number of Mortgage Applications 404
Total Mortgage Loan Application Amount $93,713,000
Average Mortgage Loan Application Amount $170,666
Highest Mortgage Loan Application Amount $1,425,000
Average Applicant Income $92,666
Highest Applicant Income $1,204,000

Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in NC, the totals and averages will help you understand where the lender does business as well as the volume of business they do.

Mortgage Loan Application Totals for Citizens South Bank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Mecklenburg County North Carolina 61 $ 24,832,000 $ 407,000 $ 196,000
Gaston County North Carolina 52 $ 9,063,000 $ 174,000 $ 98,000
Towns County Georgia 47 $ 7,886,000 $ 167,000 $ 78,000
Union County Georgia 42 $ 7,261,000 $ 172,000 $ 88,000
Rowan County North Carolina 37 $ 5,094,000 $ 137,000 $ 62,000
York County South Carolina 27 $ 9,389,000 $ 347,000 $ 138,000
Iredell County North Carolina 25 $ 7,520,000 $ 300,000 $ 78,000
Union County North Carolina 25 $ 4,723,000 $ 188,000 $ 96,000
Gilmer County Georgia 16 $ 1,728,000 $ 108,000 $ 90,000
Fannin County Georgia 15 $ 2,971,000 $ 198,000 $ 145,000
Cabarrus County North Carolina 7 $ 1,755,000 $ 250,000 $ 122,000
Clay County North Carolina 6 $ 1,465,000 $ 244,000 $ 127,000
Lincoln County North Carolina 5 $ 765,000 $ 153,000 $ 68,000
Fairfield County South Carolina 4 $ 1,558,000 $ 389,000 $ 220,000
Moore County North Carolina 3 $ 775,000 $ 258,000 $ 69,000
Horry County South Carolina 3 $ 982,000 $ 327,000 $ 267,000
Gwinnett County Georgia 2 $ 775,000 $ 387,000 $ 156,000
Otsego County New York 2 $ 156,000 $ 78,000 $ 37,000
Cleveland County North Carolina 2 $ 160,000 $ 80,000 $ 24,000
Watauga County North Carolina 2 $ 512,000 $ 256,000 $ 180,000
Chester County South Carolina 2 $ 563,000 $ 281,000 $ 129,000
DeKalb County Georgia 1 $ 105,000 $ 105,000 $ 54,000
Fulton County Georgia 1 $ 75,000 $ 75,000 $ 78,000
Gordon County Georgia 1 $ 76,000 $ 76,000 $ 42,000
Lumpkin County Georgia 1 $ 178,000 $ 178,000 $ 228,000
Oconee County Georgia 1 $ 135,000 $ 135,000 $ 74,000
Brunswick County North Carolina 1 $ 563,000 $ 563,000 $ 326,000
Catawba County North Carolina 1 $ 376,000 $ 376,000 $ 19,000
Cherokee County North Carolina 1 $ 220,000 $ 220,000 $ 83,000
Cumberland County North Carolina 1 $ 224,000 $ 224,000 $ 149,000
Currituck County North Carolina 1 $ 250,000 $ 250,000 $ 143,000
Davie County North Carolina 1 $ 77,000 $ 77,000 $ 182,000
Madison County North Carolina 1 $ 240,000 $ 240,000 $ 36,000
New Hanover County North Carolina 1 $ 219,000 $ 219,000 $ 109,000
Wake County North Carolina 1 $ 154,000 $ 154,000 $ 0
Chester County Pennsylvania 1 $ 338,000 $ 338,000 $ 84,000
Chesterfield County South Carolina 1 $ 5,000 $ 5,000 $ 22,000
Greenwood County South Carolina 1 $ 77,000 $ 77,000 $ 81,000
Union County South Carolina 1 $ 164,000 $ 164,000 $ 82,000
Mercer County West Virginia 1 $ 304,000 $ 304,000 $ 175,000

The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category, the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of North Carolina, and search the same numbers and information back through 2003.

Mortgage Loan Application Detail Totals for Citizens South Bank in 2012

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 226 $47,010,000 $208,000 $1,425,000 $108,000 $1,204,000
Home Purchase 159 $46,468,000 $292,000 $1,190,000 $125,000 $551,000
Home Improvement 19 $235,000 $12,000 $50,000 $45,000 $191,000

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 360 $85,946,000 $238,000 $1,425,000 $116,000 $1,204,000
Black or African American 17 $3,127,000 $183,000 $736,000 $127,000 $679,000
Hispanic 9 $1,845,000 $205,000 $625,000 $92,000 $426,000
Not applicable 9 $1,890,000 $210,000 $519,000 $0 $0
Asian 6 $631,000 $105,000 $191,000 $75,000 $160,000
Not Provided 3 $274,000 $91,000 $198,000 $80,000 $128,000
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) 384 $90,751,000 $236,000 $1,425,000 $115,000 $1,204,000
FHA-insured (Federal Housing Administration) 11 $1,794,000 $163,000 $271,000 $52,000 $90,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $990,000 $141,000 $189,000 $43,000 $61,000
VA-guaranteed (Veterans Administration) 2 $178,000 $89,000 $100,000 $45,000 $52,000

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 152 $39,545,000 $260,000 $1,425,000 $126,000 $1,204,000
Application Denied By Financial Institution 116 $19,306,000 $166,000 $880,000 $80,000 $477,000
Application Withdrawn By Applicant 113 $28,545,000 $252,000 $1,190,000 $122,000 $669,000
File Closed For Incompleteness 18 $4,828,000 $268,000 $1,006,000 $125,000 $323,000
Application Approved But Not Accepted 5 $1,489,000 $297,000 $831,000 $155,000 $352,000
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 61 $9,374,000 $153,000 $880,000 $79,000 $398,000
Debt-To-Income Ratio 24 $4,196,000 $174,000 $417,000 $58,000 $123,000
Collateral 17 $3,731,000 $219,000 $432,000 $121,000 $477,000
Other 9 $1,301,000 $144,000 $355,000 $71,000 $199,000
Insufficient Cash (Downpayment, Closing Cost) 3 $182,000 $60,000 $132,000 $51,000 $71,000
Employment History 2 $522,000 $261,000 $380,000 $117,000 $135,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in NC, and gives you an idea of what the best mortgage lenders really are.

If you prefer, you can download a copy of the entire list of mortgage lenders in North Carolina, and search similar information at your convenience.

Download the North Carolina Lender List