Community & Southern Bank Mortgage Lending & HMDA Data, 2013
In 2013, Community & Southern Bank of Atlanta, GA reported 1,477 mortgage applications totaling $351.6 million, down 8% from 2012. The average application was for $238,079, and applicants reported an average income of $105,218. 59% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,059), Dalton, GA (54) and Gainesville, GA (21) (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 | 1,477 |
| Total Mortgage Loan Application Amount | $351,643,000 |
| Average Mortgage Loan Application Amount | $238,079 |
| Highest Mortgage Loan Application Amount | $30,000,000 |
| Average Applicant Income | $105,218 |
| Highest Applicant Income | $3,070,000 |
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records Community & Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fulton, Georgia | 202 | $ 62,093,000 | $ 307,391 | $ 186,000 |
| Carroll, Georgia | 126 | $ 9,243,000 | $ 73,357 | $ 67,000 |
| Forsyth, Georgia | 122 | $ 28,181,000 | $ 230,991 | $ 118,000 |
| Cobb, Georgia | 114 | $ 24,786,000 | $ 217,421 | $ 118,000 |
| Haralson, Georgia | 89 | $ 5,784,000 | $ 64,988 | $ 56,000 |
| Gwinnett, Georgia | 87 | $ 19,520,000 | $ 224,367 | $ 131,000 |
| Gilmer, Georgia | 82 | $ 8,153,000 | $ 99,426 | $ 60,000 |
| Cherokee, Georgia | 74 | $ 13,031,000 | $ 176,094 | $ 78,000 |
| DeKalb, Georgia | 57 | $ 48,305,000 | $ 847,456 | $ 141,000 |
| Barrow, Georgia | 54 | $ 3,923,000 | $ 72,648 | $ 52,000 |
| Union, Georgia | 52 | $ 5,645,000 | $ 108,557 | $ 59,000 |
| Fannin, Georgia | 51 | $ 6,825,000 | $ 133,823 | $ 96,000 |
| Douglas, Georgia | 46 | $ 5,352,000 | $ 116,347 | $ 66,000 |
| Murray, Georgia | 39 | $ 2,979,000 | $ 76,384 | $ 66,000 |
| Hall, Georgia | 21 | $ 3,221,000 | $ 153,380 | $ 122,000 |
| Dawson, Georgia | 19 | $ 3,263,000 | $ 171,736 | $ 101,000 |
| Jackson, Georgia | 19 | $ 2,081,000 | $ 109,526 | $ 154,000 |
| Lumpkin, Georgia | 16 | $ 2,043,000 | $ 127,687 | $ 88,000 |
| Whitfield, Georgia | 15 | $ 1,635,000 | $ 109,000 | $ 67,000 |
| Cleburne, Alabama | 14 | $ 733,000 | $ 52,357 | $ 60,000 |
| Henry, Georgia | 14 | $ 1,944,000 | $ 138,857 | $ 56,000 |
| Paulding, Georgia | 14 | $ 1,856,000 | $ 132,571 | $ 66,000 |
| Pickens, Georgia | 11 | $ 1,759,000 | $ 159,909 | $ 101,000 |
| Elbert, Georgia | 9 | $ 1,277,000 | $ 141,888 | $ 42,000 |
| Randolph, Alabama | 7 | $ 566,000 | $ 80,857 | $ 114,000 |
| Clarke, Georgia | 6 | $ 416,000 | $ 69,333 | $ 39,000 |
| Clayton, Georgia | 6 | $ 402,000 | $ 67,000 | $ 34,000 |
| Coweta, Georgia | 6 | $ 1,792,000 | $ 298,666 | $ 135,000 |
| Fayette, Georgia | 6 | $ 1,664,000 | $ 277,333 | $ 158,000 |
| Oconee, Georgia | 6 | $ 1,403,000 | $ 233,833 | $ 106,000 |
| Towns, Georgia | 6 | $ 853,000 | $ 142,166 | $ 52,000 |
| Cherokee, North Carolina | 6 | $ 451,000 | $ 75,166 | $ 53,000 |
| Gordon, Georgia | 5 | $ 1,049,000 | $ 209,800 | $ 81,000 |
| Walton, Georgia | 4 | $ 285,000 | $ 71,250 | $ 82,000 |
| Baldwin, Alabama | 3 | $ 544,000 | $ 181,333 | $ 84,000 |
| Bartow, Georgia | 3 | $ 164,000 | $ 54,666 | $ 77,000 |
| Floyd, Georgia | 3 | $ 250,000 | $ 83,333 | $ 60,000 |
| Hart, Georgia | 3 | $ 346,000 | $ 115,333 | $ 109,000 |
| Beaufort, South Carolina | 3 | $ 614,000 | $ 204,666 | $ 193,000 |
| Greenville, South Carolina | 3 | $ 405,000 | $ 135,000 | $ 71,000 |
| Polk, Tennessee | 3 | $ 122,000 | $ 40,666 | $ 32,000 |
| Broward, Florida | 2 | $ 468,000 | $ 234,000 | $ 80,000 |
| Franklin, Florida | 2 | $ 337,000 | $ 168,500 | $ 84,000 |
| Lee, Florida | 2 | $ 404,000 | $ 202,000 | $ 81,000 |
| Walton, Florida | 2 | $ 1,176,000 | $ 588,000 | $ 212,000 |
| Heard, Georgia | 2 | $ 175,000 | $ 87,500 | $ 81,000 |
| Madison, Georgia | 2 | $ 22,000 | $ 11,000 | $ 278,000 |
| Putnam, Georgia | 2 | $ 947,000 | $ 473,500 | $ 282,000 |
| White, Georgia | 2 | $ 387,000 | $ 193,500 | $ 85,000 |
| Fayette, Kentucky | 2 | $ 13,805,000 | $ 6,902,500 | $ 196,000 |
| Horry, South Carolina | 2 | $ 1,240,000 | $ 620,000 | $ 1,566,000 |
| Calhoun, Alabama | 1 | $ 149,000 | $ 149,000 | $ 57,000 |
| Clay, Alabama | 1 | $ 99,000 | $ 99,000 | $ 36,000 |
| Talladega, Alabama | 1 | $ 73,000 | $ 73,000 | $ 112,000 |
| Yavapai, Arizona | 1 | $ 8,500,000 | $ 8,500,000 | $ 0 |
| Alachua, Florida | 1 | $ 338,000 | $ 338,000 | $ 110,000 |
| Bay, Florida | 1 | $ 110,000 | $ 110,000 | $ 184,000 |
| Okaloosa, Florida | 1 | $ 412,000 | $ 412,000 | $ 279,000 |
| Seminole, Florida | 1 | $ 167,000 | $ 167,000 | $ 184,000 |
| Sumter, Florida | 1 | $ 16,900,000 | $ 16,900,000 | $ 0 |
| Baldwin, Georgia | 1 | $ 230,000 | $ 230,000 | $ 76,000 |
| Banks, Georgia | 1 | $ 12,000 | $ 12,000 | $ 278,000 |
| Chatham, Georgia | 1 | $ 296,000 | $ 296,000 | $ 107,000 |
| Greene, Georgia | 1 | $ 417,000 | $ 417,000 | $ 93,000 |
| Houston, Georgia | 1 | $ 267,000 | $ 267,000 | $ 144,000 |
| Jefferson, Georgia | 1 | $ 164,000 | $ 164,000 | $ 118,000 |
| Lincoln, Georgia | 1 | $ 223,000 | $ 223,000 | $ 409,000 |
| Meriwether, Georgia | 1 | $ 249,000 | $ 249,000 | $ 199,000 |
| Newton, Georgia | 1 | $ 77,000 | $ 77,000 | $ 32,000 |
| Rabun, Georgia | 1 | $ 68,000 | $ 68,000 | $ 68,000 |
| Spalding, Georgia | 1 | $ 7,000 | $ 7,000 | $ 103,000 |
| Stephens, Georgia | 1 | $ 60,000 | $ 60,000 | $ 104,000 |
| Wilkes, Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Berrien, Michigan | 1 | $ 7,000 | $ 7,000 | $ 55,000 |
| Washtenaw, Michigan | 1 | $ 345,000 | $ 345,000 | $ 122,000 |
| St. Charles, Missouri | 1 | $ 228,000 | $ 228,000 | $ 140,000 |
| Mecklenburg, North Carolina | 1 | $ 323,000 | $ 323,000 | $ 80,000 |
| Union, North Carolina | 1 | $ 66,000 | $ 66,000 | $ 55,000 |
| Hamilton, Ohio | 1 | $ 19,500,000 | $ 19,500,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 7,725,000 | $ 7,725,000 | $ 0 |
| Oconee, South Carolina | 1 | $ 234,000 | $ 234,000 | $ 94,000 |
| York, South Carolina | 1 | $ 293,000 | $ 293,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Community & Southern Bank in 2013
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 | 790 | $207,957,000 | $263,000 | $30,000,000 | $98,000 | $3,070,000 |
| Home Purchase | 663 | $142,843,000 | $215,000 | $13,618,000 | $116,000 | $741,000 |
| Home Improvement | 24 | $843,000 | $35,000 | $95,000 | $45,000 | $104,000 |
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 | 1,103 | $178,804,000 | $162,000 | $1,000,000 | $107,000 | $3,070,000 |
| Not Provided | 132 | $32,813,000 | $248,000 | $906,000 | $140,000 | $741,000 |
| Black or African American | 80 | $13,044,000 | $163,000 | $660,000 | $91,000 | $395,000 |
| Hispanic | 71 | $8,624,000 | $121,000 | $417,000 | $80,000 | $600,000 |
| Not applicable | 52 | $107,944,000 | $2,075,000 | $30,000,000 | $7,000 | $106,000 |
| Asian | 39 | $10,414,000 | $267,000 | $900,000 | $131,000 | $692,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,263 | $316,282,000 | $250,000 | $30,000,000 | $113,000 | $3,070,000 |
| FHA-insured (Federal Housing Administration) | 183 | $29,526,000 | $161,000 | $413,000 | $60,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,069,000 | $129,000 | $306,000 | $47,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,766,000 | $251,000 | $422,000 | $72,000 | $160,000 |
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 | 867 | $240,222,000 | $277,000 | $30,000,000 | $104,000 | $1,403,000 |
| Application Denied By Financial Institution | 393 | $69,904,000 | $177,000 | $929,000 | $99,000 | $741,000 |
| Application Withdrawn By Applicant | 174 | $36,619,000 | $210,000 | $1,000,000 | $122,000 | $3,070,000 |
| Application Approved But Not Accepted | 43 | $4,898,000 | $113,000 | $895,000 | $105,000 | $392,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 113 | $15,202,000 | $134,000 | $900,000 | $81,000 | $543,000 |
| Credit Application Incomplete | 108 | $26,950,000 | $249,000 | $913,000 | $133,000 | $741,000 |
| Debt-To-Income Ratio | 63 | $8,030,000 | $127,000 | $540,000 | $65,000 | $395,000 |
| Collateral | 52 | $10,209,000 | $196,000 | $929,000 | $115,000 | $575,000 |
| Other | 16 | $3,074,000 | $192,000 | $690,000 | $138,000 | $357,000 |
| Employment History | 11 | $1,771,000 | $161,000 | $417,000 | $111,000 | $395,000 |
| Unverifiable Information | 10 | $1,829,000 | $182,000 | $417,000 | $90,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,161,000 | $129,000 | $230,000 | $59,000 | $115,000 |
| Mortgage Insurance Denied | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community & Southern Bank's 2013 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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