Community & Southern Bank Mortgage Lending & HMDA Data, 2015
In 2015, Community & Southern Bank of Atlanta, GA reported 1,450 mortgage applications totaling $357.4 million, up 60% from 2014. The average application was for $246,467, and applicants reported an average income of $75,004. 41% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (883), Dalton, GA (82) and Macon, GA (33) (applications in parentheses).
| Mortgage Company & Address | Community & Southern Bank 3333 Riverwood Parkway Suite #350 Atlanta, GA 30339 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,450 |
| Total Mortgage Loan Application Amount | $357,378,000 |
| Average Mortgage Loan Application Amount | $246,467 |
| Highest Mortgage Loan Application Amount | $25,000,000 |
| Average Applicant Income | $75,004 |
| Highest Applicant Income | $2,473,000 |
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records Community & Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 170 | $ 12,336,000 | $ 72,564 | $ 38,000 |
| Heard, Georgia | 91 | $ 3,858,000 | $ 42,395 | $ 8,000 |
| Cobb, Georgia | 77 | $ 18,294,000 | $ 237,584 | $ 137,000 |
| Fulton, Georgia | 77 | $ 21,262,000 | $ 276,129 | $ 188,000 |
| Gwinnett, Georgia | 72 | $ 15,227,000 | $ 211,486 | $ 84,000 |
| Barrow, Georgia | 59 | $ 5,492,000 | $ 93,084 | $ 45,000 |
| Cherokee, Georgia | 57 | $ 12,228,000 | $ 214,526 | $ 121,000 |
| Union, Georgia | 54 | $ 6,466,000 | $ 119,740 | $ 82,000 |
| Gilmer, Georgia | 53 | $ 7,713,000 | $ 145,528 | $ 57,000 |
| Whitfield, Georgia | 52 | $ 8,184,000 | $ 157,384 | $ 46,000 |
| Haralson, Georgia | 47 | $ 2,466,000 | $ 52,468 | $ 45,000 |
| Forsyth, Georgia | 44 | $ 10,357,000 | $ 235,386 | $ 130,000 |
| DeKalb, Georgia | 40 | $ 16,518,000 | $ 412,950 | $ 167,000 |
| Jackson, Georgia | 34 | $ 2,447,000 | $ 71,970 | $ 11,000 |
| Fannin, Georgia | 32 | $ 5,280,000 | $ 165,000 | $ 81,000 |
| Douglas, Georgia | 30 | $ 3,473,000 | $ 115,766 | $ 86,000 |
| Murray, Georgia | 30 | $ 2,941,000 | $ 98,033 | $ 76,000 |
| Bibb, Georgia | 29 | $ 1,537,000 | $ 53,000 | $ 0 |
| Hall, Georgia | 27 | $ 7,071,000 | $ 261,888 | $ 112,000 |
| Clayton, Georgia | 25 | $ 2,462,000 | $ 98,480 | $ 53,000 |
| Habersham, Georgia | 19 | $ 2,535,000 | $ 133,421 | $ 54,000 |
| Paulding, Georgia | 17 | $ 2,269,000 | $ 133,470 | $ 89,000 |
| Lumpkin, Georgia | 16 | $ 1,979,000 | $ 123,687 | $ 61,000 |
| Dawson, Georgia | 14 | $ 2,316,000 | $ 165,428 | $ 89,000 |
| Banks, Georgia | 13 | $ 878,000 | $ 67,538 | $ 0 |
| Muscogee, Georgia | 13 | $ 7,785,000 | $ 598,846 | $ 16,000 |
| Henry, Georgia | 11 | $ 1,516,000 | $ 137,818 | $ 96,000 |
| Rockdale, Georgia | 10 | $ 1,521,000 | $ 152,100 | $ 114,000 |
| Walton, Georgia | 10 | $ 1,480,000 | $ 148,000 | $ 90,000 |
| Clarke, Georgia | 9 | $ 1,690,000 | $ 187,777 | $ 65,000 |
| Bartow, Georgia | 7 | $ 831,000 | $ 118,714 | $ 67,000 |
| Cleburne, Alabama | 6 | $ 261,000 | $ 43,500 | $ 30,000 |
| Randolph, Alabama | 6 | $ 515,000 | $ 85,833 | $ 36,000 |
| Coweta, Georgia | 6 | $ 745,000 | $ 124,166 | $ 228,000 |
| Newton, Georgia | 6 | $ 989,000 | $ 164,833 | $ 98,000 |
| Greenville, South Carolina | 6 | $ 3,827,000 | $ 637,833 | $ 0 |
| Bay, Florida | 5 | $ 525,000 | $ 105,000 | $ 59,000 |
| Gordon, Georgia | 5 | $ 424,000 | $ 84,800 | $ 55,000 |
| Pickens, Georgia | 5 | $ 1,187,000 | $ 237,400 | $ 248,000 |
| Putnam, Georgia | 5 | $ 1,369,000 | $ 273,800 | $ 138,000 |
| White, Georgia | 5 | $ 602,000 | $ 120,400 | $ 54,000 |
| Mecklenburg, North Carolina | 5 | $ 1,454,000 | $ 290,800 | $ 0 |
| Spartanburg, South Carolina | 5 | $ 1,076,000 | $ 215,200 | $ 0 |
| Jefferson, Alabama | 4 | $ 792,000 | $ 198,000 | $ 51,000 |
| Fayette, Georgia | 4 | $ 656,000 | $ 164,000 | $ 153,000 |
| Franklin, Georgia | 4 | $ 691,000 | $ 172,750 | $ 76,000 |
| Houston, Georgia | 4 | $ 443,000 | $ 110,750 | $ 0 |
| Madison, Georgia | 4 | $ 170,000 | $ 42,500 | $ 11,000 |
| Rabun, Georgia | 4 | $ 2,471,000 | $ 617,750 | $ 329,000 |
| Towns, Georgia | 4 | $ 452,000 | $ 113,000 | $ 45,000 |
| Lexington, South Carolina | 4 | $ 547,000 | $ 136,750 | $ 0 |
| Richland, South Carolina | 4 | $ 1,261,000 | $ 315,250 | $ 0 |
| Cherokee, Alabama | 3 | $ 275,000 | $ 91,666 | $ 8,000 |
| Marion, Florida | 3 | $ 17,128,000 | $ 5,709,333 | $ 18,000 |
| Catoosa, Georgia | 3 | $ 353,000 | $ 117,666 | $ 50,000 |
| Crawford, Georgia | 3 | $ 44,000 | $ 14,666 | $ 0 |
| Greene, Georgia | 3 | $ 873,000 | $ 291,000 | $ 0 |
| Morgan, Georgia | 3 | $ 844,000 | $ 281,333 | $ 104,000 |
| Oconee, Georgia | 3 | $ 564,000 | $ 188,000 | $ 68,000 |
| Troup, Georgia | 3 | $ 181,000 | $ 60,333 | $ 0 |
| Union, North Carolina | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Hamilton, Tennessee | 3 | $ 436,000 | $ 145,333 | $ 219,000 |
| Russell, Alabama | 2 | $ 36,000 | $ 18,000 | $ 0 |
| Tallapoosa, Alabama | 2 | $ 156,000 | $ 78,000 | $ 66,000 |
| Duval, Florida | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Flagler, Florida | 2 | $ 320,000 | $ 160,000 | $ 442,000 |
| Leon, Florida | 2 | $ 263,000 | $ 131,500 | $ 93,000 |
| Okaloosa, Florida | 2 | $ 540,000 | $ 270,000 | $ 120,000 |
| Pinellas, Florida | 2 | $ 285,000 | $ 142,500 | $ 107,000 |
| St. Johns, Florida | 2 | $ 512,000 | $ 256,000 | $ 244,000 |
| Volusia, Florida | 2 | $ 2,708,000 | $ 1,354,000 | $ 217,000 |
| Walton, Florida | 2 | $ 660,000 | $ 330,000 | $ 276,000 |
| Elbert, Georgia | 2 | $ 483,000 | $ 241,500 | $ 149,000 |
| Polk, Georgia | 2 | $ 125,000 | $ 62,500 | $ 27,000 |
| Stephens, Georgia | 2 | $ 38,000 | $ 19,000 | $ 0 |
| Anderson, South Carolina | 2 | $ 970,000 | $ 485,000 | $ 0 |
| Beaufort, South Carolina | 2 | $ 1,586,000 | $ 793,000 | $ 360,000 |
| Oconee, South Carolina | 2 | $ 686,000 | $ 343,000 | $ 48,000 |
| Pickens, South Carolina | 2 | $ 688,000 | $ 344,000 | $ 37,000 |
| Chambers, Alabama | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Lee, Alabama | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Talladega, Alabama | 1 | $ 132,000 | $ 132,000 | $ 266,000 |
| Tuscaloosa, Alabama | 1 | $ 165,000 | $ 165,000 | $ 148,000 |
| San Diego, California | 1 | $ 268,000 | $ 268,000 | $ 40,000 |
| El Paso, Colorado | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Gulf, Florida | 1 | $ 117,000 | $ 117,000 | $ 110,000 |
| Hillsborough, Florida | 1 | $ 14,480,000 | $ 14,480,000 | $ 0 |
| Polk, Florida | 1 | $ 200,000 | $ 200,000 | $ 115,000 |
| Sarasota, Florida | 1 | $ 156,000 | $ 156,000 | $ 159,000 |
| Seminole, Florida | 1 | $ 341,000 | $ 341,000 | $ 72,000 |
| Bulloch, Georgia | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Chatham, Georgia | 1 | $ 307,000 | $ 307,000 | $ 425,000 |
| Columbia, Georgia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Floyd, Georgia | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Hart, Georgia | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Jasper, Georgia | 1 | $ 101,000 | $ 101,000 | $ 28,000 |
| Lincoln, Georgia | 1 | $ 50,000 | $ 50,000 | $ 147,000 |
| Lowndes, Georgia | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Peach, Georgia | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Richmond, Georgia | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Twiggs, Georgia | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Upson, Georgia | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Walker, Georgia | 1 | $ 116,000 | $ 116,000 | $ 41,000 |
| Anne Arundel, Maryland | 1 | $ 180,000 | $ 180,000 | $ 100,000 |
| Washoe, Nevada | 1 | $ 11,110,000 | $ 11,110,000 | $ 0 |
| Niagara, New York | 1 | $ 4,700,000 | $ 4,700,000 | $ 0 |
| Clay, North Carolina | 1 | $ 77,000 | $ 77,000 | $ 48,000 |
| Forsyth, North Carolina | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Martin, North Carolina | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Pender, North Carolina | 1 | $ 7,413,000 | $ 7,413,000 | $ 0 |
| Wake, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Jackson, Oregon | 1 | $ 8,500,000 | $ 8,500,000 | $ 0 |
| Monroe, Pennsylvania | 1 | $ 6,525,000 | $ 6,525,000 | $ 0 |
| Aiken, South Carolina | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Colleton, South Carolina | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Marion, South Carolina | 1 | $ 239,000 | $ 239,000 | $ 0 |
| York, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bradley, Tennessee | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Knox, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Montgomery, Texas | 1 | $ 20,027,000 | $ 20,027,000 | $ 0 |
| Tarrant, Texas | 1 | $ 11,723,000 | $ 11,723,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Falls Church, Virginia | 1 | $ 25,000,000 | $ 25,000,000 | $ 0 |
| Williamsburg, Virginia | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Community & Southern Bank in 2015
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 | 893 | $149,838,000 | $167,000 | $17,000,000 | $60,000 | $1,995,000 |
| Home Purchase | 515 | $204,452,000 | $396,000 | $25,000,000 | $102,000 | $2,473,000 |
| Home Improvement | 42 | $3,088,000 | $73,000 | $700,000 | $63,000 | $519,000 |
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 | 763 | $133,384,000 | $174,000 | $2,340,000 | $113,000 | $1,995,000 |
| Not applicable | 467 | $189,453,000 | $405,000 | $25,000,000 | $0 | $125,000 |
| Black or African American | 115 | $17,552,000 | $152,000 | $705,000 | $73,000 | $303,000 |
| Hispanic | 56 | $5,737,000 | $102,000 | $303,000 | $52,000 | $158,000 |
| Not Provided | 30 | $4,757,000 | $158,000 | $417,000 | $73,000 | $230,000 |
| Asian | 17 | $5,794,000 | $340,000 | $650,000 | $523,000 | $2,473,000 |
| American Indian or Alaskan Native | 2 | $701,000 | $350,000 | $360,000 | $136,000 | $201,000 |
| 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) | 1,232 | $325,662,000 | $264,000 | $25,000,000 | $79,000 | $2,473,000 |
| FHA-insured (Federal Housing Administration) | 161 | $22,520,000 | $139,000 | $349,000 | $54,000 | $270,000 |
| VA-guaranteed (Veterans Administration) | 34 | $6,845,000 | $201,000 | $417,000 | $64,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,351,000 | $102,000 | $160,000 | $42,000 | $74,000 |
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 | 595 | $239,257,000 | $402,000 | $25,000,000 | $117,000 | $2,473,000 |
| Loan Purchased By The Institution | 421 | $46,083,000 | $109,000 | $7,369,000 | $0 | $0 |
| Application Denied By Financial Institution | 279 | $42,559,000 | $152,000 | $930,000 | $85,000 | $1,200,000 |
| Application Withdrawn By Applicant | 93 | $19,502,000 | $209,000 | $1,120,000 | $110,000 | $630,000 |
| Application Approved But Not Accepted | 33 | $4,219,000 | $127,000 | $663,000 | $93,000 | $304,000 |
| File Closed For Incompleteness | 29 | $5,758,000 | $198,000 | $500,000 | $88,000 | $350,000 |
| 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 | 91 | $9,737,000 | $107,000 | $550,000 | $65,000 | $410,000 |
| Debt-To-Income Ratio | 70 | $12,028,000 | $171,000 | $705,000 | $77,000 | $487,000 |
| Collateral | 39 | $7,479,000 | $191,000 | $930,000 | $96,000 | $240,000 |
| Credit Application Incomplete | 33 | $6,341,000 | $192,000 | $419,000 | $103,000 | $312,000 |
| Unverifiable Information | 13 | $1,442,000 | $110,000 | $275,000 | $112,000 | $294,000 |
| Other | 10 | $1,038,000 | $103,000 | $177,000 | $77,000 | $147,000 |
| Employment History | 10 | $628,000 | $62,000 | $208,000 | $24,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,171,000 | $271,000 | $600,000 | $116,000 | $216,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community & Southern Bank's 2015 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.
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