Community & Southern Bank Mortgage Lending & HMDA Data, 2016
In 2016, Community & Southern Bank of Atlanta, GA reported 503 mortgage applications totaling $89.0 million. The average application was for $177,000, and applicants reported an average income of $144,234. 57% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (307), Dalton, GA (25) and Jacksonville, FL (8) (applications in parentheses).
| Mortgage Company & Address | Community & Southern Bank 3333 Riverwood Pkwy Ste 350 Atlanta, GA 30133 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 |
| Total Number of Mortgage Applications | 503 |
| Total Mortgage Loan Application Amount | $89,031,000 |
| Average Mortgage Loan Application Amount | $177,000 |
| Highest Mortgage Loan Application Amount | $1,332,000 |
| Average Applicant Income | $144,234 |
| Highest Applicant Income | $7,900,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community & Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Carroll, Georgia | 45 | $ 4,856,000 | $ 107,911 | $ 128,000 |
| Fulton, Georgia | 37 | $ 13,101,000 | $ 354,081 | $ 303,000 |
| Gilmer, Georgia | 34 | $ 4,988,000 | $ 146,705 | $ 60,000 |
| Cobb, Georgia | 31 | $ 7,231,000 | $ 233,258 | $ 115,000 |
| Barrow, Georgia | 27 | $ 2,578,000 | $ 95,481 | $ 49,000 |
| Fannin, Georgia | 23 | $ 3,600,000 | $ 156,521 | $ 121,000 |
| Cherokee, Georgia | 22 | $ 4,708,000 | $ 214,000 | $ 210,000 |
| Gwinnett, Georgia | 18 | $ 3,324,000 | $ 184,666 | $ 68,000 |
| Whitfield, Georgia | 18 | $ 2,627,000 | $ 145,944 | $ 78,000 |
| DeKalb, Georgia | 17 | $ 3,099,000 | $ 182,294 | $ 566,000 |
| Douglas, Georgia | 17 | $ 2,852,000 | $ 167,764 | $ 70,000 |
| Haralson, Georgia | 16 | $ 1,145,000 | $ 71,562 | $ 56,000 |
| Union, Georgia | 14 | $ 2,617,000 | $ 186,928 | $ 80,000 |
| Forsyth, Georgia | 13 | $ 5,089,000 | $ 391,461 | $ 198,000 |
| Heard, Georgia | 12 | $ 594,000 | $ 49,500 | $ 47,000 |
| Paulding, Georgia | 12 | $ 1,475,000 | $ 122,916 | $ 79,000 |
| Elbert, Georgia | 8 | $ 1,438,000 | $ 179,750 | $ 96,000 |
| Jackson, Georgia | 8 | $ 1,192,000 | $ 149,000 | $ 58,000 |
| Lumpkin, Georgia | 7 | $ 699,000 | $ 99,857 | $ 44,000 |
| Murray, Georgia | 7 | $ 751,000 | $ 107,285 | $ 43,000 |
| Rockdale, Georgia | 7 | $ 870,000 | $ 124,285 | $ 45,000 |
| Walton, Georgia | 7 | $ 878,000 | $ 125,428 | $ 65,000 |
| Hall, Georgia | 6 | $ 737,000 | $ 122,833 | $ 61,000 |
| Clayton, Georgia | 5 | $ 658,000 | $ 131,600 | $ 46,000 |
| Dawson, Georgia | 5 | $ 1,193,000 | $ 238,600 | $ 73,000 |
| Lee, Alabama | 4 | $ 1,028,000 | $ 257,000 | $ 153,000 |
| Duval, Florida | 4 | $ 369,000 | $ 92,250 | $ 35,000 |
| Clay, Florida | 3 | $ 265,000 | $ 88,333 | $ 37,000 |
| Bartow, Georgia | 3 | $ 604,000 | $ 201,333 | $ 66,000 |
| Clarke, Georgia | 3 | $ 278,000 | $ 92,666 | $ 437,000 |
| Coweta, Georgia | 3 | $ 247,000 | $ 82,333 | $ 85,000 |
| Gordon, Georgia | 3 | $ 170,000 | $ 56,666 | $ 70,000 |
| Greene, Georgia | 3 | $ 1,001,000 | $ 333,666 | $ 109,000 |
| Henry, Georgia | 3 | $ 391,000 | $ 130,333 | $ 80,000 |
| Oconee, Georgia | 3 | $ 599,000 | $ 199,666 | $ 99,000 |
| Pickens, Georgia | 3 | $ 1,338,000 | $ 446,000 | $ 90,000 |
| Putnam, Georgia | 3 | $ 388,000 | $ 129,333 | $ 40,000 |
| Cherokee, North Carolina | 3 | $ 241,000 | $ 80,333 | $ 40,000 |
| Polk, Florida | 2 | $ 325,000 | $ 162,500 | $ 95,000 |
| Fayette, Georgia | 2 | $ 470,000 | $ 235,000 | $ 38,000 |
| Habersham, Georgia | 2 | $ 91,000 | $ 45,500 | $ 50,000 |
| Monroe, Georgia | 2 | $ 272,000 | $ 136,000 | $ 82,000 |
| Muscogee, Georgia | 2 | $ 1,136,000 | $ 568,000 | $ 229,000 |
| Polk, Tennessee | 2 | $ 80,000 | $ 40,000 | $ 19,000 |
| Cleburne, Alabama | 1 | $ 23,000 | $ 23,000 | $ 98,000 |
| DeKalb, Alabama | 1 | $ 152,000 | $ 152,000 | $ 122,000 |
| Jefferson, Alabama | 1 | $ 339,000 | $ 339,000 | $ 195,000 |
| Randolph, Alabama | 1 | $ 132,000 | $ 132,000 | $ 192,000 |
| Los Angeles, California | 1 | $ 221,000 | $ 221,000 | $ 72,000 |
| Broward, Florida | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Gulf, Florida | 1 | $ 56,000 | $ 56,000 | $ 51,000 |
| Okaloosa, Florida | 1 | $ 701,000 | $ 701,000 | $ 392,000 |
| Pinellas, Florida | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| St. Johns, Florida | 1 | $ 308,000 | $ 308,000 | $ 150,000 |
| Sumter, Florida | 1 | $ 339,000 | $ 339,000 | $ 227,000 |
| Walton, Florida | 1 | $ 404,000 | $ 404,000 | $ 188,000 |
| Baldwin, Georgia | 1 | $ 303,000 | $ 303,000 | $ 240,000 |
| Banks, Georgia | 1 | $ 26,000 | $ 26,000 | $ 38,000 |
| Bibb, Georgia | 1 | $ 149,000 | $ 149,000 | $ 850,000 |
| Dooly, Georgia | 1 | $ 469,000 | $ 469,000 | $ 569,000 |
| Floyd, Georgia | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Hancock, Georgia | 1 | $ 63,000 | $ 63,000 | $ 58,000 |
| Houston, Georgia | 1 | $ 139,000 | $ 139,000 | $ 57,000 |
| Madison, Georgia | 1 | $ 828,000 | $ 828,000 | $ 7,900,000 |
| Newton, Georgia | 1 | $ 97,000 | $ 97,000 | $ 14,000 |
| Spalding, Georgia | 1 | $ 91,000 | $ 91,000 | $ 31,000 |
| Stephens, Georgia | 1 | $ 280,000 | $ 280,000 | $ 264,000 |
| Talbot, Georgia | 1 | $ 149,000 | $ 149,000 | $ 54,000 |
| Towns, Georgia | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Troup, Georgia | 1 | $ 15,000 | $ 15,000 | $ 81,000 |
| Walker, Georgia | 1 | $ 72,000 | $ 72,000 | $ 140,000 |
| Atlantic, New Jersey | 1 | $ 310,000 | $ 310,000 | $ 77,000 |
| Macon, North Carolina | 1 | $ 398,000 | $ 398,000 | $ 168,000 |
| Swain, North Carolina | 1 | $ 90,000 | $ 90,000 | $ 161,000 |
| McIntosh, Oklahoma | 1 | $ 96,000 | $ 96,000 | $ 61,000 |
| Aiken, South Carolina | 1 | $ 239,000 | $ 239,000 | $ 90,000 |
| Hamilton, Tennessee | 1 | $ 252,000 | $ 252,000 | $ 180,000 |
| Roane, Tennessee | 1 | $ 248,000 | $ 248,000 | $ 231,000 |
Mortgage Loan Application Detail Totals for Community & Southern Bank in 2016
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 | 255 | $42,904,000 | $168,000 | $1,332,000 | $136,000 | $7,900,000 |
| Home Purchase | 235 | $45,279,000 | $192,000 | $818,000 | $157,000 | $2,987,000 |
| Home Improvement | 13 | $848,000 | $65,000 | $270,000 | $75,000 | $243,000 |
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 | 397 | $72,261,000 | $182,000 | $1,332,000 | $132,000 | $7,900,000 |
| Black or African American | 44 | $8,089,000 | $183,000 | $528,000 | $68,000 | $329,000 |
| Hispanic | 22 | $2,933,000 | $133,000 | $398,000 | $71,000 | $168,000 |
| Not applicable | 14 | $1,325,000 | $94,000 | $247,000 | $9,000 | $89,000 |
| Not Provided | 14 | $2,186,000 | $156,000 | $695,000 | $89,000 | $236,000 |
| Asian | 11 | $2,077,000 | $188,000 | $352,000 | $1,292,000 | $2,987,000 |
| American Indian or Alaskan Native | 1 | $160,000 | $160,000 | $160,000 | $94,000 | $94,000 |
| Native Hawaiin 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) | 412 | $73,442,000 | $178,000 | $1,332,000 | $164,000 | $7,900,000 |
| FHA-insured (Federal Housing Administration) | 68 | $10,434,000 | $153,000 | $336,000 | $54,000 | $135,000 |
| VA-guaranteed (Veterans Administration) | 17 | $4,353,000 | $256,000 | $500,000 | $77,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $802,000 | $133,000 | $147,000 | $45,000 | $58,000 |
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 | 285 | $46,706,000 | $163,000 | $975,000 | $175,000 | $7,900,000 |
| Application Denied By Financial Institution | 150 | $26,117,000 | $174,000 | $1,332,000 | $101,000 | $1,562,000 |
| Application Withdrawn By Applicant | 40 | $9,504,000 | $237,000 | $1,080,000 | $105,000 | $625,000 |
| Application Approved But Not Accepted | 18 | $4,626,000 | $257,000 | $818,000 | $155,000 | $569,000 |
| File Closed For Incompleteness | 10 | $2,078,000 | $207,000 | $500,000 | $80,000 | $270,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 57 | $8,421,000 | $147,000 | $1,158,000 | $60,000 | $626,000 |
| Credit History | 36 | $6,503,000 | $180,000 | $1,332,000 | $143,000 | $1,562,000 |
| Credit Application Incomplete | 24 | $4,754,000 | $198,000 | $436,000 | $124,000 | $304,000 |
| Collateral | 20 | $4,520,000 | $226,000 | $900,000 | $137,000 | $977,000 |
| Unverifiable Information | 4 | $604,000 | $151,000 | $331,000 | $53,000 | $133,000 |
| Employment History | 3 | $532,000 | $177,000 | $360,000 | $72,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $303,000 | $151,000 | $215,000 | $22,000 | $45,000 |
| Other | 2 | $117,000 | $58,000 | $108,000 | $55,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community & Southern Bank's 2016 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 & Southern 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About