Citizens South Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Citizens South Bank 2012 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 | 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 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Citizens South 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 Citizens South Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Citizens South 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 Citizens South Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens South 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 Citizens South Bank's mortgage activity for 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 |
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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens South Bank's 2012 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 Citizens South 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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.