Community & Southern Bank Mortgage Lending & HMDA Data, 2011
In 2011, Community & Southern Bank of Atlanta, GA reported 851 mortgage applications totaling $80.5 million. The average application was for $94,629, and applicants reported an average income of $68,042. 73% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (498), Dalton, GA (47) and Athens-Clarke County, GA (10) (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 | 851 |
| Total Mortgage Loan Application Amount | $80,530,000 |
| Average Mortgage Loan Application Amount | $94,629 |
| Highest Mortgage Loan Application Amount | $1,044,000 |
| Average Applicant Income | $68,042 |
| Highest Applicant Income | $928,000 |
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records Community & Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 160 | $ 10,850,000 | $ 67,812 | $ 60,000 |
| Haralson, Georgia | 113 | $ 6,598,000 | $ 58,389 | $ 50,000 |
| Gilmer, Georgia | 96 | $ 10,112,000 | $ 105,333 | $ 54,000 |
| Barrow, Georgia | 81 | $ 5,440,000 | $ 67,160 | $ 45,000 |
| Fannin, Georgia | 57 | $ 6,653,000 | $ 116,719 | $ 48,000 |
| Union, Georgia | 42 | $ 5,569,000 | $ 132,595 | $ 48,000 |
| Douglas, Georgia | 35 | $ 4,079,000 | $ 116,542 | $ 105,000 |
| Murray, Georgia | 33 | $ 2,384,000 | $ 72,242 | $ 66,000 |
| Heard, Georgia | 21 | $ 2,144,000 | $ 102,095 | $ 409,000 |
| Jackson, Georgia | 18 | $ 979,000 | $ 54,388 | $ 73,000 |
| Cleburne, Alabama | 16 | $ 1,258,000 | $ 78,625 | $ 59,000 |
| Paulding, Georgia | 15 | $ 1,693,000 | $ 112,866 | $ 9,000 |
| Cherokee, Georgia | 14 | $ 1,975,000 | $ 141,071 | $ 37,000 |
| Whitfield, Georgia | 14 | $ 1,503,000 | $ 107,357 | $ 41,000 |
| Lumpkin, Georgia | 13 | $ 1,765,000 | $ 135,769 | $ 76,000 |
| Cobb, Georgia | 11 | $ 1,530,000 | $ 139,090 | $ 32,000 |
| Dawson, Georgia | 11 | $ 1,879,000 | $ 170,818 | $ 87,000 |
| Gwinnett, Georgia | 7 | $ 437,000 | $ 62,428 | $ 108,000 |
| Pickens, Georgia | 7 | $ 1,345,000 | $ 192,142 | $ 135,000 |
| Randolph, Alabama | 6 | $ 837,000 | $ 139,500 | $ 46,000 |
| Clarke, Georgia | 6 | $ 547,000 | $ 91,166 | $ 65,000 |
| Towns, Georgia | 6 | $ 2,023,000 | $ 337,166 | $ 101,000 |
| Walton, Georgia | 6 | $ 397,000 | $ 66,166 | $ 44,000 |
| Hall, Georgia | 5 | $ 1,067,000 | $ 213,400 | $ 171,000 |
| Coweta, Georgia | 4 | $ 462,000 | $ 115,500 | $ 124,000 |
| Forsyth, Georgia | 4 | $ 494,000 | $ 123,500 | $ 64,000 |
| Fulton, Georgia | 3 | $ 352,000 | $ 117,333 | $ 72,000 |
| Habersham, Georgia | 3 | $ 374,000 | $ 124,666 | $ 194,000 |
| Banks, Georgia | 2 | $ 112,000 | $ 56,000 | $ 60,000 |
| Bartow, Georgia | 2 | $ 176,000 | $ 88,000 | $ 107,000 |
| Clayton, Georgia | 2 | $ 103,000 | $ 51,500 | $ 60,000 |
| Elbert, Georgia | 2 | $ 92,000 | $ 46,000 | $ 74,000 |
| Franklin, Georgia | 2 | $ 261,000 | $ 130,500 | $ 95,000 |
| Madison, Georgia | 2 | $ 487,000 | $ 243,500 | $ 24,000 |
| Oconee, Georgia | 2 | $ 287,000 | $ 143,500 | $ 0 |
| Polk, Georgia | 2 | $ 143,000 | $ 71,500 | $ 6,000 |
| Clay, North Carolina | 2 | $ 281,000 | $ 140,500 | $ 38,000 |
| Macon, North Carolina | 2 | $ 376,000 | $ 188,000 | $ 248,000 |
| Polk, Tennessee | 2 | $ 144,000 | $ 72,000 | $ 43,000 |
| DeKalb, Alabama | 1 | $ 211,000 | $ 211,000 | $ 69,000 |
| Etowah, Alabama | 1 | $ 52,000 | $ 52,000 | $ 22,000 |
| Brevard, Florida | 1 | $ 112,000 | $ 112,000 | $ 43,000 |
| Levy, Florida | 1 | $ 103,000 | $ 103,000 | $ 34,000 |
| Miami-Dade, Florida | 1 | $ 180,000 | $ 180,000 | $ 73,000 |
| St. Johns, Florida | 1 | $ 29,000 | $ 29,000 | $ 82,000 |
| Walton, Florida | 1 | $ 1,044,000 | $ 1,044,000 | $ 576,000 |
| Catoosa, Georgia | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Floyd, Georgia | 1 | $ 164,000 | $ 164,000 | $ 123,000 |
| Hart, Georgia | 1 | $ 339,000 | $ 339,000 | $ 36,000 |
| Irwin, Georgia | 1 | $ 165,000 | $ 165,000 | $ 176,000 |
| Jasper, Georgia | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Spalding, Georgia | 1 | $ 86,000 | $ 86,000 | $ 38,000 |
| Treutlen, Georgia | 1 | $ 110,000 | $ 110,000 | $ 78,000 |
| Troup, Georgia | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| White, Georgia | 1 | $ 79,000 | $ 79,000 | $ 63,000 |
| Cherokee, North Carolina | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Transylvania, North Carolina | 1 | $ 48,000 | $ 48,000 | $ 30,000 |
| Jasper, South Carolina | 1 | $ 117,000 | $ 117,000 | $ 75,000 |
| Pickens, South Carolina | 1 | $ 90,000 | $ 90,000 | $ 159,000 |
| Cocke, Tennessee | 1 | $ 31,000 | $ 31,000 | $ 48,000 |
| Washington, Tennessee | 1 | $ 67,000 | $ 67,000 | $ 14,000 |
Mortgage Loan Application Detail Totals for Community & Southern Bank in 2011
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 | 685 | $69,453,000 | $101,000 | $1,044,000 | $69,000 | $928,000 |
| Home Purchase | 129 | $9,750,000 | $75,000 | $297,000 | $71,000 | $577,000 |
| Home Improvement | 37 | $1,327,000 | $35,000 | $231,000 | $40,000 | $144,000 |
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 | 669 | $62,395,000 | $93,000 | $1,044,000 | $80,000 | $928,000 |
| Not applicable | 75 | $11,151,000 | $148,000 | $842,000 | $1,000 | $103,000 |
| Hispanic | 48 | $3,771,000 | $78,000 | $389,000 | $34,000 | $100,000 |
| Black or African American | 41 | $1,859,000 | $45,000 | $175,000 | $43,000 | $179,000 |
| Not Provided | 13 | $939,000 | $72,000 | $233,000 | $64,000 | $144,000 |
| American Indian or Alaskan Native | 3 | $215,000 | $71,000 | $155,000 | $79,000 | $92,000 |
| Asian | 2 | $200,000 | $100,000 | $100,000 | $35,000 | $48,000 |
| 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) | 843 | $79,809,000 | $94,000 | $1,044,000 | $69,000 | $928,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $412,000 | $103,000 | $140,000 | $37,000 | $48,000 |
| FHA-insured (Federal Housing Administration) | 3 | $241,000 | $80,000 | $92,000 | $31,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 1 | $68,000 | $68,000 | $68,000 | $48,000 | $48,000 |
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 | 624 | $56,476,000 | $90,000 | $1,044,000 | $72,000 | $928,000 |
| Application Denied By Financial Institution | 163 | $15,645,000 | $95,000 | $445,000 | $55,000 | $426,000 |
| Application Withdrawn By Applicant | 61 | $7,739,000 | $126,000 | $592,000 | $68,000 | $366,000 |
| Application Approved But Not Accepted | 2 | $520,000 | $260,000 | $417,000 | $54,000 | $74,000 |
| Loan Purchased By The Institution | 1 | $150,000 | $150,000 | $150,000 | $104,000 | $104,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 47 | $5,353,000 | $113,000 | $410,000 | $54,000 | $426,000 |
| Credit History | 39 | $2,703,000 | $69,000 | $396,000 | $51,000 | $240,000 |
| Credit Application Incomplete | 35 | $3,427,000 | $97,000 | $445,000 | $62,000 | $422,000 |
| Collateral | 18 | $2,486,000 | $138,000 | $410,000 | $72,000 | $286,000 |
| Employment History | 8 | $597,000 | $74,000 | $275,000 | $48,000 | $101,000 |
| Other | 7 | $392,000 | $56,000 | $148,000 | $45,000 | $110,000 |
| Unverifiable Information | 3 | $344,000 | $114,000 | $168,000 | $38,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $158,000 | $158,000 | $158,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community & Southern Bank's 2011 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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