Community South Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Community South Credit Union of Chipley, FL reported 226 mortgage applications totaling $38.8 million, up 124% from 2024. The average application was for $171,681, and applicants reported an average income of $90,646. 3% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Panama City, FL (55), Crestview-Fort Walton Beach-Destin, FL (11) and Dothan, AL (4) (applications in parentheses).
| Mortgage Company & Address | Community South Credit Union 1044 Us-90 Chipley, FL 32428 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 226 |
| Total Mortgage Loan Application Amount | $38,800,000 |
| Average Mortgage Loan Application Amount | $171,681 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $90,646 |
| Highest Applicant Income | $1,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community South Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Community South Credit Union in 2025
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 122 | $19,300,000 | $158,000 | $675,000 | $81,000 | $900,000 |
| Refinancing | 56 | $15,800,000 | $282,000 | $825,000 | $127,000 | $1,000,000 |
| Cash-out Refinancing | 46 | $3,590,000 | $78,000 | $255,000 | $72,000 | $529,000 |
| Other Purpose | 2 | $110,000 | $55,000 | $65,000 | $90,000 | $90,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 189 | $34,275,000 | $181,000 | $825,000 | $93,000 | $1,000,000 |
| Black or African American | 17 | $1,945,000 | $114,000 | $305,000 | $58,000 | $130,000 |
| Hispanic | 9 | $1,405,000 | $156,000 | $335,000 | $164,000 | $900,000 |
| Not Provided | 4 | $520,000 | $130,000 | $255,000 | $43,000 | $68,000 |
| American Indian or Alaskan Native | 4 | $310,000 | $77,000 | $145,000 | $42,000 | $57,000 |
| Asian | 2 | $240,000 | $120,000 | $205,000 | $62,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $35,000 | $35,000 |
| Not applicable | 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) | 184 | $30,720,000 | $166,000 | $825,000 | $96,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 26 | $5,200,000 | $200,000 | $495,000 | $64,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,785,000 | $137,000 | $205,000 | $58,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,095,000 | $365,000 | $435,000 | $112,000 | $180,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 142 | $26,500,000 | $186,000 | $755,000 | $91,000 | $900,000 |
| Application Denied By Financial Institution | 51 | $6,335,000 | $124,000 | $455,000 | $83,000 | $1,000,000 |
| Application Approved But Not Accepted | 17 | $2,835,000 | $166,000 | $825,000 | $108,000 | $538,000 |
| File Closed For Incompleteness | 9 | $1,025,000 | $113,000 | $255,000 | $55,000 | $144,000 |
| Loan Originated | 6 | $1,990,000 | $331,000 | $595,000 | $150,000 | $301,000 |
| Preapproval Denied by Financial Institution | 1 | $115,000 | $115,000 | $115,000 | $43,000 | $43,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 174 | $32,350,000 | $185,000 | $825,000 | $93,000 | $900,000 |
| Other | 24 | $2,540,000 | $105,000 | $255,000 | $64,000 | $212,000 |
| Debt-To-Income Ratio | 13 | $1,915,000 | $147,000 | $385,000 | $77,000 | $529,000 |
| Credit History | 12 | $1,390,000 | $115,000 | $255,000 | $49,000 | $96,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $1,000,000 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $36,000 | $36,000 |
| Unverifiable Information | 1 | $455,000 | $455,000 | $455,000 | $139,000 | $139,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community South Credit Union's 2025 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 Community South Credit Union'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.
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