Community & Southern Bank Mortgage Lending & HMDA Data, 2012
In 2012, Community & Southern Bank of Atlanta, GA reported 1,600 mortgage applications totaling $291.7 million, up 88% from 2011. The average application was for $182,315, and applicants reported an average income of $100,185. 74% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,222), Dalton, GA (33) and Athens-Clarke County, GA (17) (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 | 1,600 |
| Total Mortgage Loan Application Amount | $291,704,000 |
| Average Mortgage Loan Application Amount | $182,315 |
| Highest Mortgage Loan Application Amount | $17,750,000 |
| Average Applicant Income | $100,185 |
| Highest Applicant Income | $3,800,000 |
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records Community & Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 519 | $ 105,277,000 | $ 202,845 | $ 103,000 |
| Fulton, Georgia | 125 | $ 35,304,000 | $ 282,432 | $ 158,000 |
| Forsyth, Georgia | 106 | $ 21,462,000 | $ 202,471 | $ 110,000 |
| Cobb, Georgia | 85 | $ 19,977,000 | $ 235,023 | $ 94,000 |
| Gwinnett, Georgia | 80 | $ 13,417,000 | $ 167,712 | $ 86,000 |
| Gilmer, Georgia | 77 | $ 8,067,000 | $ 104,766 | $ 58,000 |
| Barrow, Georgia | 64 | $ 4,916,000 | $ 76,812 | $ 50,000 |
| Haralson, Georgia | 64 | $ 3,468,000 | $ 54,187 | $ 56,000 |
| Fannin, Georgia | 51 | $ 6,010,000 | $ 117,843 | $ 68,000 |
| DeKalb, Georgia | 44 | $ 10,690,000 | $ 242,954 | $ 171,000 |
| Cherokee, Georgia | 36 | $ 6,553,000 | $ 182,027 | $ 80,000 |
| Union, Georgia | 36 | $ 3,765,000 | $ 104,583 | $ 63,000 |
| Douglas, Georgia | 32 | $ 3,455,000 | $ 107,968 | $ 104,000 |
| Jackson, Georgia | 23 | $ 1,082,000 | $ 47,043 | $ 164,000 |
| Murray, Georgia | 19 | $ 1,498,000 | $ 78,842 | $ 34,000 |
| Dawson, Georgia | 17 | $ 2,825,000 | $ 166,176 | $ 97,000 |
| Hall, Georgia | 15 | $ 3,064,000 | $ 204,266 | $ 160,000 |
| Paulding, Georgia | 15 | $ 1,421,000 | $ 94,733 | $ 105,000 |
| Whitfield, Georgia | 14 | $ 976,000 | $ 69,714 | $ 25,000 |
| Lumpkin, Georgia | 13 | $ 1,573,000 | $ 121,000 | $ 71,000 |
| Cleburne, Alabama | 12 | $ 622,000 | $ 51,833 | $ 21,000 |
| Pickens, Georgia | 9 | $ 1,285,000 | $ 142,777 | $ 99,000 |
| Clarke, Georgia | 7 | $ 1,069,000 | $ 152,714 | $ 61,000 |
| Henry, Georgia | 7 | $ 761,000 | $ 108,714 | $ 43,000 |
| Madison, Georgia | 6 | $ 666,000 | $ 111,000 | $ 21,000 |
| Banks, Georgia | 5 | $ 222,000 | $ 44,400 | $ 185,000 |
| Heard, Georgia | 4 | $ 185,000 | $ 46,250 | $ 108,000 |
| Oconee, Georgia | 4 | $ 319,000 | $ 79,750 | $ 60,000 |
| Randolph, Alabama | 3 | $ 413,000 | $ 137,666 | $ 180,000 |
| Bartow, Georgia | 3 | $ 579,000 | $ 193,000 | $ 89,000 |
| Clayton, Georgia | 3 | $ 370,000 | $ 123,333 | $ 62,000 |
| Polk, Georgia | 3 | $ 784,000 | $ 261,333 | $ 37,000 |
| Putnam, Georgia | 3 | $ 580,000 | $ 193,333 | $ 123,000 |
| Towns, Georgia | 3 | $ 395,000 | $ 131,666 | $ 82,000 |
| White, Georgia | 3 | $ 153,000 | $ 51,000 | $ 38,000 |
| Baldwin, Alabama | 2 | $ 274,000 | $ 137,000 | $ 161,000 |
| Clay, Florida | 2 | $ 378,000 | $ 189,000 | $ 210,000 |
| Orange, Florida | 2 | $ 385,000 | $ 192,500 | $ 99,000 |
| St. Johns, Florida | 2 | $ 634,000 | $ 317,000 | $ 108,000 |
| Coweta, Georgia | 2 | $ 393,000 | $ 196,500 | $ 62,000 |
| Fayette, Georgia | 2 | $ 306,000 | $ 153,000 | $ 175,000 |
| Franklin, Georgia | 2 | $ 46,000 | $ 23,000 | $ 278,000 |
| Walker, Georgia | 2 | $ 652,000 | $ 326,000 | $ 86,000 |
| Walton, Georgia | 2 | $ 106,000 | $ 53,000 | $ 26,000 |
| Cherokee, North Carolina | 2 | $ 205,000 | $ 102,500 | $ 37,000 |
| Calhoun, Alabama | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Henry, Alabama | 1 | $ 52,000 | $ 52,000 | $ 26,000 |
| Talladega, Alabama | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Los Angeles, California | 1 | $ 17,750,000 | $ 17,750,000 | $ 0 |
| Flagler, Florida | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| Hillsborough, Florida | 1 | $ 123,000 | $ 123,000 | $ 172,000 |
| Martin, Florida | 1 | $ 366,000 | $ 366,000 | $ 236,000 |
| Pinellas, Florida | 1 | $ 417,000 | $ 417,000 | $ 605,000 |
| Sarasota, Florida | 1 | $ 100,000 | $ 100,000 | $ 263,000 |
| Sumter, Florida | 1 | $ 285,000 | $ 285,000 | $ 118,000 |
| Bibb, Georgia | 1 | $ 33,000 | $ 33,000 | $ 133,000 |
| Bulloch, Georgia | 1 | $ 101,000 | $ 101,000 | $ 124,000 |
| Elbert, Georgia | 1 | $ 43,000 | $ 43,000 | $ 42,000 |
| Glynn, Georgia | 1 | $ 288,000 | $ 288,000 | $ 224,000 |
| Habersham, Georgia | 1 | $ 180,000 | $ 180,000 | $ 296,000 |
| Hart, Georgia | 1 | $ 328,000 | $ 328,000 | $ 87,000 |
| Irwin, Georgia | 1 | $ 166,000 | $ 166,000 | $ 128,000 |
| Morgan, Georgia | 1 | $ 67,000 | $ 67,000 | $ 195,000 |
| Newton, Georgia | 1 | $ 136,000 | $ 136,000 | $ 122,000 |
| Rockdale, Georgia | 1 | $ 117,000 | $ 117,000 | $ 74,000 |
| Spalding, Georgia | 1 | $ 229,000 | $ 229,000 | $ 81,000 |
| Carteret, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 108,000 |
| Durham, North Carolina | 1 | $ 154,000 | $ 154,000 | $ 41,000 |
| Macon, North Carolina | 1 | $ 403,000 | $ 403,000 | $ 349,000 |
| Mecklenburg, North Carolina | 1 | $ 99,000 | $ 99,000 | $ 134,000 |
| Abbeville, South Carolina | 1 | $ 210,000 | $ 210,000 | $ 135,000 |
| Aiken, South Carolina | 1 | $ 394,000 | $ 394,000 | $ 384,000 |
| Jasper, South Carolina | 1 | $ 126,000 | $ 126,000 | $ 43,000 |
| Oconee, South Carolina | 1 | $ 217,000 | $ 217,000 | $ 387,000 |
| Davidson, Tennessee | 1 | $ 410,000 | $ 410,000 | $ 118,000 |
| Hamilton, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Meigs, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Polk, 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.
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