Community & Southern Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Community & Southern 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 | 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 | 1,600 |
| Total Mortgage Loan Application Amount | $291,704,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $17,750,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $3,800,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Community & Southern 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 Community & Southern Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Community & Southern 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 Community & Southern Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Community & Southern 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 Community & Southern 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 |
|---|---|---|---|---|
| Carroll County Georgia | 519 | $ 105,277,000 | $ 202,000 | $ 103,000 |
| Fulton County Georgia | 125 | $ 35,304,000 | $ 282,000 | $ 158,000 |
| Forsyth County Georgia | 106 | $ 21,462,000 | $ 202,000 | $ 110,000 |
| Cobb County Georgia | 85 | $ 19,977,000 | $ 235,000 | $ 94,000 |
| Gwinnett County Georgia | 80 | $ 13,417,000 | $ 167,000 | $ 86,000 |
| Gilmer County Georgia | 77 | $ 8,067,000 | $ 104,000 | $ 58,000 |
| Barrow County Georgia | 64 | $ 4,916,000 | $ 76,000 | $ 50,000 |
| Haralson County Georgia | 64 | $ 3,468,000 | $ 54,000 | $ 56,000 |
| Fannin County Georgia | 51 | $ 6,010,000 | $ 117,000 | $ 68,000 |
| DeKalb County Georgia | 44 | $ 10,690,000 | $ 242,000 | $ 171,000 |
| Cherokee County Georgia | 36 | $ 6,553,000 | $ 182,000 | $ 80,000 |
| Union County Georgia | 36 | $ 3,765,000 | $ 104,000 | $ 63,000 |
| Douglas County Georgia | 32 | $ 3,455,000 | $ 107,000 | $ 104,000 |
| Jackson County Georgia | 23 | $ 1,082,000 | $ 47,000 | $ 164,000 |
| Murray County Georgia | 19 | $ 1,498,000 | $ 78,000 | $ 34,000 |
| Dawson County Georgia | 17 | $ 2,825,000 | $ 166,000 | $ 97,000 |
| Hall County Georgia | 15 | $ 3,064,000 | $ 204,000 | $ 160,000 |
| Paulding County Georgia | 15 | $ 1,421,000 | $ 94,000 | $ 105,000 |
| Whitfield County Georgia | 14 | $ 976,000 | $ 69,000 | $ 25,000 |
| Lumpkin County Georgia | 13 | $ 1,573,000 | $ 121,000 | $ 71,000 |
| Cleburne County Alabama | 12 | $ 622,000 | $ 51,000 | $ 21,000 |
| Pickens County Georgia | 9 | $ 1,285,000 | $ 142,000 | $ 99,000 |
| Clarke County Georgia | 7 | $ 1,069,000 | $ 152,000 | $ 61,000 |
| Henry County Georgia | 7 | $ 761,000 | $ 108,000 | $ 43,000 |
| Madison County Georgia | 6 | $ 666,000 | $ 111,000 | $ 21,000 |
| Banks County Georgia | 5 | $ 222,000 | $ 44,000 | $ 185,000 |
| Heard County Georgia | 4 | $ 185,000 | $ 46,000 | $ 108,000 |
| Oconee County Georgia | 4 | $ 319,000 | $ 79,000 | $ 60,000 |
| Randolph County Alabama | 3 | $ 413,000 | $ 137,000 | $ 180,000 |
| Bartow County Georgia | 3 | $ 579,000 | $ 193,000 | $ 89,000 |
| Clayton County Georgia | 3 | $ 370,000 | $ 123,000 | $ 62,000 |
| Polk County Georgia | 3 | $ 784,000 | $ 261,000 | $ 37,000 |
| Putnam County Georgia | 3 | $ 580,000 | $ 193,000 | $ 123,000 |
| Towns County Georgia | 3 | $ 395,000 | $ 131,000 | $ 82,000 |
| White County Georgia | 3 | $ 153,000 | $ 51,000 | $ 38,000 |
| Baldwin County Alabama | 2 | $ 274,000 | $ 137,000 | $ 161,000 |
| Clay County Florida | 2 | $ 378,000 | $ 189,000 | $ 210,000 |
| Orange County Florida | 2 | $ 385,000 | $ 192,000 | $ 99,000 |
| St. Johns County Florida | 2 | $ 634,000 | $ 317,000 | $ 108,000 |
| Coweta County Georgia | 2 | $ 393,000 | $ 196,000 | $ 62,000 |
| Fayette County Georgia | 2 | $ 306,000 | $ 153,000 | $ 175,000 |
| Franklin County Georgia | 2 | $ 46,000 | $ 23,000 | $ 278,000 |
| Walker County Georgia | 2 | $ 652,000 | $ 326,000 | $ 86,000 |
| Walton County Georgia | 2 | $ 106,000 | $ 53,000 | $ 26,000 |
| Cherokee County North Carolina | 2 | $ 205,000 | $ 102,000 | $ 37,000 |
| Calhoun County Alabama | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Henry County Alabama | 1 | $ 52,000 | $ 52,000 | $ 26,000 |
| Talladega County Alabama | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Los Angeles County California | 1 | $ 17,750,000 | $ 17,750,000 | $ 0 |
| Flagler County Florida | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| Hillsborough County Florida | 1 | $ 123,000 | $ 123,000 | $ 172,000 |
| Martin County Florida | 1 | $ 366,000 | $ 366,000 | $ 236,000 |
| Pinellas County Florida | 1 | $ 417,000 | $ 417,000 | $ 605,000 |
| Sarasota County Florida | 1 | $ 100,000 | $ 100,000 | $ 263,000 |
| Sumter County Florida | 1 | $ 285,000 | $ 285,000 | $ 118,000 |
| Bibb County Georgia | 1 | $ 33,000 | $ 33,000 | $ 133,000 |
| Bulloch County Georgia | 1 | $ 101,000 | $ 101,000 | $ 124,000 |
| Elbert County Georgia | 1 | $ 43,000 | $ 43,000 | $ 42,000 |
| Glynn County Georgia | 1 | $ 288,000 | $ 288,000 | $ 224,000 |
| Habersham County Georgia | 1 | $ 180,000 | $ 180,000 | $ 296,000 |
| Hart County Georgia | 1 | $ 328,000 | $ 328,000 | $ 87,000 |
| Irwin County Georgia | 1 | $ 166,000 | $ 166,000 | $ 128,000 |
| Morgan County Georgia | 1 | $ 67,000 | $ 67,000 | $ 195,000 |
| Newton County Georgia | 1 | $ 136,000 | $ 136,000 | $ 122,000 |
| Rockdale County Georgia | 1 | $ 117,000 | $ 117,000 | $ 74,000 |
| Spalding County Georgia | 1 | $ 229,000 | $ 229,000 | $ 81,000 |
| Carteret County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 108,000 |
| Durham County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 41,000 |
| Macon County North Carolina | 1 | $ 403,000 | $ 403,000 | $ 349,000 |
| Mecklenburg County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 134,000 |
| Abbeville County South Carolina | 1 | $ 210,000 | $ 210,000 | $ 135,000 |
| Aiken County South Carolina | 1 | $ 394,000 | $ 394,000 | $ 384,000 |
| Jasper County South Carolina | 1 | $ 126,000 | $ 126,000 | $ 43,000 |
| Oconee County South Carolina | 1 | $ 217,000 | $ 217,000 | $ 387,000 |
| Davidson County Tennessee | 1 | $ 410,000 | $ 410,000 | $ 118,000 |
| Hamilton County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Meigs County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Polk County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community & Southern 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 | 1,085 | $202,907,000 | $187,000 | $17,750,000 | $97,000 | $3,800,000 |
| Home Purchase | 496 | $87,415,000 | $176,000 | $656,000 | $109,000 | $1,919,000 |
| Home Improvement | 19 | $1,382,000 | $72,000 | $493,000 | $52,000 | $205,000 |
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 | 1,191 | $185,615,000 | $155,000 | $2,074,000 | $110,000 | $3,800,000 |
| Not Provided | 137 | $26,412,000 | $192,000 | $661,000 | $109,000 | $523,000 |
| Hispanic | 86 | $11,057,000 | $128,000 | $1,000,000 | $58,000 | $487,000 |
| Not applicable | 85 | $53,547,000 | $629,000 | $17,750,000 | $0 | $0 |
| Black or African American | 50 | $6,168,000 | $123,000 | $417,000 | $68,000 | $203,000 |
| Asian | 44 | $8,187,000 | $186,000 | $999,000 | $117,000 | $480,000 |
| American Indian or Alaskan Native | 4 | $281,000 | $70,000 | $158,000 | $54,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $437,000 | $145,000 | $384,000 | $91,000 | $192,000 |
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) | 1,398 | $259,905,000 | $185,000 | $17,750,000 | $106,000 | $3,800,000 |
| FHA-insured (Federal Housing Administration) | 199 | $31,415,000 | $157,000 | $352,000 | $59,000 | $503,000 |
| VA-guaranteed (Veterans Administration) | 2 | $277,000 | $138,000 | $155,000 | $54,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $107,000 | $107,000 | $107,000 | $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 | 1,179 | $220,287,000 | $186,000 | $17,750,000 | $105,000 | $3,800,000 |
| Application Denied By Financial Institution | 289 | $45,845,000 | $158,000 | $659,000 | $75,000 | $397,000 |
| Application Withdrawn By Applicant | 109 | $21,791,000 | $199,000 | $999,000 | $103,000 | $480,000 |
| Application Approved But Not Accepted | 21 | $3,259,000 | $155,000 | $417,000 | $135,000 | $555,000 |
| Loan Purchased By The Institution | 2 | $522,000 | $261,000 | $415,000 | $186,000 | $318,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 78 | $14,717,000 | $188,000 | $417,000 | $103,000 | $397,000 |
| Credit History | 62 | $6,697,000 | $108,000 | $659,000 | $49,000 | $160,000 |
| Debt-To-Income Ratio | 56 | $6,355,000 | $113,000 | $417,000 | $40,000 | $175,000 |
| Credit Application Incomplete | 34 | $8,089,000 | $237,000 | $493,000 | $116,000 | $390,000 |
| Other | 24 | $4,327,000 | $180,000 | $580,000 | $78,000 | $184,000 |
| Unverifiable Information | 15 | $2,438,000 | $162,000 | $400,000 | $92,000 | $267,000 |
| Employment History | 13 | $2,043,000 | $157,000 | $400,000 | $60,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $963,000 | $160,000 | $410,000 | $67,000 | $165,000 |
| Mortgage Insurance Denied | 1 | $216,000 | $216,000 | $216,000 | $66,000 | $66,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community & Southern 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 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.