Community & Southern Bank Mortgage Lending & HMDA Data, 2014
In 2014, Community & Southern Bank of Atlanta, GA reported 909 mortgage applications totaling $286.3 million, down 38% from 2013. The average application was for $314,916, and applicants reported an average income of $105,111. 55% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (523), Dalton, GA (68) 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 | 909 |
| Total Mortgage Loan Application Amount | $286,259,000 |
| Average Mortgage Loan Application Amount | $314,916 |
| Highest Mortgage Loan Application Amount | $55,000,000 |
| Average Applicant Income | $105,111 |
| Highest Applicant Income | $9,999,000 |
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records Community & Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cobb, Georgia | 75 | $ 16,055,000 | $ 214,066 | $ 101,000 |
| Gilmer, Georgia | 65 | $ 7,372,000 | $ 113,415 | $ 60,000 |
| Carroll, Georgia | 64 | $ 6,107,000 | $ 95,421 | $ 85,000 |
| Fulton, Georgia | 58 | $ 21,983,000 | $ 379,017 | $ 165,000 |
| Union, Georgia | 52 | $ 6,472,000 | $ 124,461 | $ 59,000 |
| Barrow, Georgia | 51 | $ 7,681,000 | $ 150,607 | $ 75,000 |
| Cherokee, Georgia | 43 | $ 7,500,000 | $ 174,418 | $ 81,000 |
| Fannin, Georgia | 41 | $ 6,617,000 | $ 161,390 | $ 86,000 |
| Gwinnett, Georgia | 41 | $ 15,837,000 | $ 386,268 | $ 62,000 |
| Whitfield, Georgia | 38 | $ 5,593,000 | $ 147,184 | $ 117,000 |
| DeKalb, Georgia | 32 | $ 4,657,000 | $ 145,531 | $ 111,000 |
| Forsyth, Georgia | 30 | $ 6,283,000 | $ 209,433 | $ 105,000 |
| Haralson, Georgia | 30 | $ 2,410,000 | $ 80,333 | $ 48,000 |
| Murray, Georgia | 30 | $ 2,705,000 | $ 90,166 | $ 48,000 |
| Hall, Georgia | 21 | $ 2,636,000 | $ 125,523 | $ 43,000 |
| Paulding, Georgia | 21 | $ 2,799,000 | $ 133,285 | $ 51,000 |
| Douglas, Georgia | 17 | $ 2,707,000 | $ 159,235 | $ 53,000 |
| Jackson, Georgia | 14 | $ 1,491,000 | $ 106,500 | $ 88,000 |
| Lumpkin, Georgia | 14 | $ 2,394,000 | $ 171,000 | $ 59,000 |
| Clayton, Georgia | 13 | $ 1,014,000 | $ 78,000 | $ 35,000 |
| Henry, Georgia | 13 | $ 2,023,000 | $ 155,615 | $ 48,000 |
| Habersham, Georgia | 10 | $ 1,229,000 | $ 122,900 | $ 42,000 |
| Walton, Georgia | 9 | $ 818,000 | $ 90,888 | $ 53,000 |
| Clarke, Georgia | 6 | $ 600,000 | $ 100,000 | $ 82,000 |
| Dawson, Georgia | 6 | $ 576,000 | $ 96,000 | $ 42,000 |
| Pickens, Georgia | 6 | $ 1,788,000 | $ 298,000 | $ 96,000 |
| Cleburne, Alabama | 5 | $ 415,000 | $ 83,000 | $ 1,010,000 |
| Stephens, Georgia | 5 | $ 431,000 | $ 86,200 | $ 74,000 |
| Towns, Georgia | 5 | $ 727,000 | $ 145,400 | $ 84,000 |
| Greenville, South Carolina | 5 | $ 970,000 | $ 194,000 | $ 73,000 |
| Spartanburg, South Carolina | 5 | $ 819,000 | $ 163,800 | $ 97,000 |
| Randolph, Alabama | 4 | $ 334,000 | $ 83,500 | $ 89,000 |
| Elbert, Georgia | 4 | $ 317,000 | $ 79,250 | $ 43,000 |
| Gordon, Georgia | 4 | $ 421,000 | $ 105,250 | $ 85,000 |
| Oconee, Georgia | 4 | $ 1,013,000 | $ 253,250 | $ 110,000 |
| Rabun, Georgia | 4 | $ 1,535,000 | $ 383,750 | $ 410,000 |
| Miami-Dade, Florida | 3 | $ 3,817,000 | $ 1,272,333 | $ 4,443,000 |
| Pinellas, Florida | 3 | $ 11,338,000 | $ 3,779,333 | $ 41,000 |
| Bartow, Georgia | 3 | $ 785,000 | $ 261,666 | $ 193,000 |
| Franklin, Georgia | 3 | $ 340,000 | $ 113,333 | $ 62,000 |
| Newton, Georgia | 3 | $ 178,000 | $ 59,333 | $ 27,000 |
| Rockdale, Georgia | 3 | $ 261,000 | $ 87,000 | $ 45,000 |
| Marion, Florida | 2 | $ 355,000 | $ 177,500 | $ 78,000 |
| Coweta, Georgia | 2 | $ 1,040,000 | $ 520,000 | $ 282,000 |
| Hart, Georgia | 2 | $ 225,000 | $ 112,500 | $ 148,000 |
| Heard, Georgia | 2 | $ 94,000 | $ 47,000 | $ 819,000 |
| White, Georgia | 2 | $ 213,000 | $ 106,500 | $ 56,000 |
| Cabarrus, North Carolina | 2 | $ 475,000 | $ 237,500 | $ 10,000 |
| Clay, North Carolina | 2 | $ 126,000 | $ 63,000 | $ 45,000 |
| Ward, North Dakota | 2 | $ 666,000 | $ 333,000 | $ 138,000 |
| Polk, Tennessee | 2 | $ 188,000 | $ 94,000 | $ 63,000 |
| Jefferson, Alabama | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Montgomery, Alabama | 1 | $ 63,000 | $ 63,000 | $ 34,000 |
| Tallapoosa, Alabama | 1 | $ 156,000 | $ 156,000 | $ 136,000 |
| San Francisco, California | 1 | $ 611,000 | $ 611,000 | $ 133,000 |
| Duval, Florida | 1 | $ 160,000 | $ 160,000 | $ 115,000 |
| Leon, Florida | 1 | $ 204,000 | $ 204,000 | $ 39,000 |
| Martin, Florida | 1 | $ 287,000 | $ 287,000 | $ 303,000 |
| Pasco, Florida | 1 | $ 6,350,000 | $ 6,350,000 | $ 0 |
| Walton, Florida | 1 | $ 930,000 | $ 930,000 | $ 489,000 |
| Banks, Georgia | 1 | $ 42,000 | $ 42,000 | $ 39,000 |
| Catoosa, Georgia | 1 | $ 107,000 | $ 107,000 | $ 91,000 |
| Fayette, Georgia | 1 | $ 238,000 | $ 238,000 | $ 62,000 |
| Lincoln, Georgia | 1 | $ 293,000 | $ 293,000 | $ 176,000 |
| McDuffie, Georgia | 1 | $ 142,000 | $ 142,000 | $ 73,000 |
| Oglethorpe, Georgia | 1 | $ 250,000 | $ 250,000 | $ 104,000 |
| Pierce, Georgia | 1 | $ 64,000 | $ 64,000 | $ 71,000 |
| Putnam, Georgia | 1 | $ 88,000 | $ 88,000 | $ 94,000 |
| Fayette, Kentucky | 1 | $ 221,000 | $ 221,000 | $ 246,000 |
| Kent, Michigan | 1 | $ 7,550,000 | $ 7,550,000 | $ 0 |
| Kings, New York | 1 | $ 10,000,000 | $ 10,000,000 | $ 0 |
| Schenectady, New York | 1 | $ 20,000,000 | $ 20,000,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 614,000 | $ 614,000 | $ 367,000 |
| New Hanover, North Carolina | 1 | $ 108,000 | $ 108,000 | $ 38,000 |
| Lebanon, Pennsylvania | 1 | $ 17,557,000 | $ 17,557,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 208,000 |
| Cumberland, Tennessee | 1 | $ 106,000 | $ 106,000 | $ 67,000 |
| Hamilton, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Collin, Texas | 1 | $ 55,000,000 | $ 55,000,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community & Southern Bank in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 491 | $91,475,000 | $186,000 | $7,300,000 | $113,000 | $9,999,000 |
| Refinancing | 395 | $192,210,000 | $486,000 | $55,000,000 | $97,000 | $4,804,000 |
| Home Improvement | 23 | $2,574,000 | $111,000 | $1,271,000 | $76,000 | $585,000 |
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 | 634 | $101,932,000 | $160,000 | $1,700,000 | $112,000 | $9,999,000 |
| Black or African American | 77 | $11,638,000 | $151,000 | $780,000 | $70,000 | $468,000 |
| Hispanic | 69 | $7,915,000 | $114,000 | $417,000 | $51,000 | $238,000 |
| Not Provided | 52 | $12,670,000 | $243,000 | $909,000 | $149,000 | $895,000 |
| Not applicable | 51 | $147,159,000 | $2,885,000 | $55,000,000 | $107,000 | $4,804,000 |
| Asian | 23 | $4,639,000 | $201,000 | $634,000 | $82,000 | $246,000 |
| American Indian or Alaskan Native | 2 | $266,000 | $133,000 | $221,000 | $67,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $33,000 | $33,000 |
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) | 719 | $259,787,000 | $361,000 | $55,000,000 | $120,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 125 | $16,862,000 | $134,000 | $326,000 | $49,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $3,592,000 | $102,000 | $184,000 | $35,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 30 | $6,018,000 | $200,000 | $437,000 | $61,000 | $131,000 |
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 | 496 | $218,582,000 | $440,000 | $55,000,000 | $107,000 | $4,804,000 |
| Application Denied By Financial Institution | 279 | $43,464,000 | $155,000 | $1,271,000 | $73,000 | $585,000 |
| Application Withdrawn By Applicant | 80 | $14,682,000 | $183,000 | $1,700,000 | $218,000 | $9,999,000 |
| File Closed For Incompleteness | 35 | $6,497,000 | $185,000 | $634,000 | $77,000 | $179,000 |
| Application Approved But Not Accepted | 19 | $3,034,000 | $159,000 | $756,000 | $98,000 | $449,000 |
| 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 | 93 | $10,917,000 | $117,000 | $800,000 | $66,000 | $480,000 |
| Debt-To-Income Ratio | 83 | $14,198,000 | $171,000 | $1,200,000 | $67,000 | $550,000 |
| Collateral | 31 | $5,137,000 | $165,000 | $417,000 | $65,000 | $260,000 |
| Credit Application Incomplete | 20 | $4,603,000 | $230,000 | $540,000 | $113,000 | $445,000 |
| Unverifiable Information | 16 | $1,979,000 | $123,000 | $723,000 | $60,000 | $139,000 |
| Other | 15 | $1,955,000 | $130,000 | $340,000 | $79,000 | $178,000 |
| Employment History | 12 | $2,032,000 | $169,000 | $919,000 | $77,000 | $269,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,209,000 | $201,000 | $401,000 | $104,000 | $210,000 |
| Mortgage Insurance Denied | 1 | $89,000 | $89,000 | $89,000 | $33,000 | $33,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community & Southern Bank's 2014 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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