Community & Southern Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Community & Southern Bank 2013 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 | 1,477 |
| Total Mortgage Loan Application Amount | $351,643,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $30,000,000 |
| Average Applicant Income | $86,333 |
| Highest Applicant Income | $3,070,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fulton County Georgia | 202 | $ 62,093,000 | $ 307,000 | $ 186,000 |
| Carroll County Georgia | 126 | $ 9,243,000 | $ 73,000 | $ 67,000 |
| Forsyth County Georgia | 122 | $ 28,181,000 | $ 230,000 | $ 118,000 |
| Cobb County Georgia | 114 | $ 24,786,000 | $ 217,000 | $ 118,000 |
| Haralson County Georgia | 89 | $ 5,784,000 | $ 64,000 | $ 56,000 |
| Gwinnett County Georgia | 87 | $ 19,520,000 | $ 224,000 | $ 131,000 |
| Gilmer County Georgia | 82 | $ 8,153,000 | $ 99,000 | $ 60,000 |
| Cherokee County Georgia | 74 | $ 13,031,000 | $ 176,000 | $ 78,000 |
| DeKalb County Georgia | 57 | $ 48,305,000 | $ 847,000 | $ 141,000 |
| Barrow County Georgia | 54 | $ 3,923,000 | $ 72,000 | $ 52,000 |
| Union County Georgia | 52 | $ 5,645,000 | $ 108,000 | $ 59,000 |
| Fannin County Georgia | 51 | $ 6,825,000 | $ 133,000 | $ 96,000 |
| Douglas County Georgia | 46 | $ 5,352,000 | $ 116,000 | $ 66,000 |
| Murray County Georgia | 39 | $ 2,979,000 | $ 76,000 | $ 66,000 |
| Hall County Georgia | 21 | $ 3,221,000 | $ 153,000 | $ 122,000 |
| Dawson County Georgia | 19 | $ 3,263,000 | $ 171,000 | $ 101,000 |
| Jackson County Georgia | 19 | $ 2,081,000 | $ 109,000 | $ 154,000 |
| Lumpkin County Georgia | 16 | $ 2,043,000 | $ 127,000 | $ 88,000 |
| Whitfield County Georgia | 15 | $ 1,635,000 | $ 109,000 | $ 67,000 |
| Cleburne County Alabama | 14 | $ 733,000 | $ 52,000 | $ 60,000 |
| Henry County Georgia | 14 | $ 1,944,000 | $ 138,000 | $ 56,000 |
| Paulding County Georgia | 14 | $ 1,856,000 | $ 132,000 | $ 66,000 |
| Pickens County Georgia | 11 | $ 1,759,000 | $ 159,000 | $ 101,000 |
| Elbert County Georgia | 9 | $ 1,277,000 | $ 141,000 | $ 42,000 |
| Randolph County Alabama | 7 | $ 566,000 | $ 80,000 | $ 114,000 |
| Clarke County Georgia | 6 | $ 416,000 | $ 69,000 | $ 39,000 |
| Clayton County Georgia | 6 | $ 402,000 | $ 67,000 | $ 34,000 |
| Coweta County Georgia | 6 | $ 1,792,000 | $ 298,000 | $ 135,000 |
| Fayette County Georgia | 6 | $ 1,664,000 | $ 277,000 | $ 158,000 |
| Oconee County Georgia | 6 | $ 1,403,000 | $ 233,000 | $ 106,000 |
| Towns County Georgia | 6 | $ 853,000 | $ 142,000 | $ 52,000 |
| Cherokee County North Carolina | 6 | $ 451,000 | $ 75,000 | $ 53,000 |
| Gordon County Georgia | 5 | $ 1,049,000 | $ 209,000 | $ 81,000 |
| Walton County Georgia | 4 | $ 285,000 | $ 71,000 | $ 82,000 |
| Baldwin County Alabama | 3 | $ 544,000 | $ 181,000 | $ 84,000 |
| Bartow County Georgia | 3 | $ 164,000 | $ 54,000 | $ 77,000 |
| Floyd County Georgia | 3 | $ 250,000 | $ 83,000 | $ 60,000 |
| Hart County Georgia | 3 | $ 346,000 | $ 115,000 | $ 109,000 |
| Beaufort County South Carolina | 3 | $ 614,000 | $ 204,000 | $ 193,000 |
| Greenville County South Carolina | 3 | $ 405,000 | $ 135,000 | $ 71,000 |
| Polk County Tennessee | 3 | $ 122,000 | $ 40,000 | $ 32,000 |
| Broward County Florida | 2 | $ 468,000 | $ 234,000 | $ 80,000 |
| Franklin County Florida | 2 | $ 337,000 | $ 168,000 | $ 84,000 |
| Lee County Florida | 2 | $ 404,000 | $ 202,000 | $ 81,000 |
| Walton County Florida | 2 | $ 1,176,000 | $ 588,000 | $ 212,000 |
| Heard County Georgia | 2 | $ 175,000 | $ 87,000 | $ 81,000 |
| Madison County Georgia | 2 | $ 22,000 | $ 11,000 | $ 278,000 |
| Putnam County Georgia | 2 | $ 947,000 | $ 473,000 | $ 282,000 |
| White County Georgia | 2 | $ 387,000 | $ 193,000 | $ 85,000 |
| Fayette County Kentucky | 2 | $ 13,805,000 | $ 6,902,000 | $ 196,000 |
| Horry County South Carolina | 2 | $ 1,240,000 | $ 620,000 | $ 1,566,000 |
| Calhoun County Alabama | 1 | $ 149,000 | $ 149,000 | $ 57,000 |
| Clay County Alabama | 1 | $ 99,000 | $ 99,000 | $ 36,000 |
| Talladega County Alabama | 1 | $ 73,000 | $ 73,000 | $ 112,000 |
| Yavapai County Arizona | 1 | $ 8,500,000 | $ 8,500,000 | $ 0 |
| Alachua County Florida | 1 | $ 338,000 | $ 338,000 | $ 110,000 |
| Bay County Florida | 1 | $ 110,000 | $ 110,000 | $ 184,000 |
| Okaloosa County Florida | 1 | $ 412,000 | $ 412,000 | $ 279,000 |
| Seminole County Florida | 1 | $ 167,000 | $ 167,000 | $ 184,000 |
| Sumter County Florida | 1 | $ 16,900,000 | $ 16,900,000 | $ 0 |
| Baldwin County Georgia | 1 | $ 230,000 | $ 230,000 | $ 76,000 |
| Banks County Georgia | 1 | $ 12,000 | $ 12,000 | $ 278,000 |
| Chatham County Georgia | 1 | $ 296,000 | $ 296,000 | $ 107,000 |
| Greene County Georgia | 1 | $ 417,000 | $ 417,000 | $ 93,000 |
| Houston County Georgia | 1 | $ 267,000 | $ 267,000 | $ 144,000 |
| Jefferson County Georgia | 1 | $ 164,000 | $ 164,000 | $ 118,000 |
| Lincoln County Georgia | 1 | $ 223,000 | $ 223,000 | $ 409,000 |
| Meriwether County Georgia | 1 | $ 249,000 | $ 249,000 | $ 199,000 |
| Newton County Georgia | 1 | $ 77,000 | $ 77,000 | $ 32,000 |
| Rabun County Georgia | 1 | $ 68,000 | $ 68,000 | $ 68,000 |
| Spalding County Georgia | 1 | $ 7,000 | $ 7,000 | $ 103,000 |
| Stephens County Georgia | 1 | $ 60,000 | $ 60,000 | $ 104,000 |
| Wilkes County Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Berrien County Michigan | 1 | $ 7,000 | $ 7,000 | $ 55,000 |
| Washtenaw County Michigan | 1 | $ 345,000 | $ 345,000 | $ 122,000 |
| St. Charles County Missouri | 1 | $ 228,000 | $ 228,000 | $ 140,000 |
| Mecklenburg County North Carolina | 1 | $ 323,000 | $ 323,000 | $ 80,000 |
| Union County North Carolina | 1 | $ 66,000 | $ 66,000 | $ 55,000 |
| Hamilton County Ohio | 1 | $ 19,500,000 | $ 19,500,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 7,725,000 | $ 7,725,000 | $ 0 |
| Oconee County South Carolina | 1 | $ 234,000 | $ 234,000 | $ 94,000 |
| York County 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.