Community & Southern Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Community & Southern Bank 2015 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 | 1,450 |
| Total Mortgage Loan Application Amount | $357,378,000 |
| Average Mortgage Loan Application Amount | $212,000 |
| Highest Mortgage Loan Application Amount | $25,000,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $2,473,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 170 | $ 12,336,000 | $ 72,000 | $ 38,000 |
| Heard County Georgia | 91 | $ 3,858,000 | $ 42,000 | $ 8,000 |
| Cobb County Georgia | 77 | $ 18,294,000 | $ 237,000 | $ 137,000 |
| Fulton County Georgia | 77 | $ 21,262,000 | $ 276,000 | $ 188,000 |
| Gwinnett County Georgia | 72 | $ 15,227,000 | $ 211,000 | $ 84,000 |
| Barrow County Georgia | 59 | $ 5,492,000 | $ 93,000 | $ 45,000 |
| Cherokee County Georgia | 57 | $ 12,228,000 | $ 214,000 | $ 121,000 |
| Union County Georgia | 54 | $ 6,466,000 | $ 119,000 | $ 82,000 |
| Gilmer County Georgia | 53 | $ 7,713,000 | $ 145,000 | $ 57,000 |
| Whitfield County Georgia | 52 | $ 8,184,000 | $ 157,000 | $ 46,000 |
| Haralson County Georgia | 47 | $ 2,466,000 | $ 52,000 | $ 45,000 |
| Forsyth County Georgia | 44 | $ 10,357,000 | $ 235,000 | $ 130,000 |
| DeKalb County Georgia | 40 | $ 16,518,000 | $ 412,000 | $ 167,000 |
| Jackson County Georgia | 34 | $ 2,447,000 | $ 71,000 | $ 11,000 |
| Fannin County Georgia | 32 | $ 5,280,000 | $ 165,000 | $ 81,000 |
| Douglas County Georgia | 30 | $ 3,473,000 | $ 115,000 | $ 86,000 |
| Murray County Georgia | 30 | $ 2,941,000 | $ 98,000 | $ 76,000 |
| Bibb County Georgia | 29 | $ 1,537,000 | $ 53,000 | $ 0 |
| Hall County Georgia | 27 | $ 7,071,000 | $ 261,000 | $ 112,000 |
| Clayton County Georgia | 25 | $ 2,462,000 | $ 98,000 | $ 53,000 |
| Habersham County Georgia | 19 | $ 2,535,000 | $ 133,000 | $ 54,000 |
| Paulding County Georgia | 17 | $ 2,269,000 | $ 133,000 | $ 89,000 |
| Lumpkin County Georgia | 16 | $ 1,979,000 | $ 123,000 | $ 61,000 |
| Dawson County Georgia | 14 | $ 2,316,000 | $ 165,000 | $ 89,000 |
| Banks County Georgia | 13 | $ 878,000 | $ 67,000 | $ 0 |
| Muscogee County Georgia | 13 | $ 7,785,000 | $ 598,000 | $ 16,000 |
| Henry County Georgia | 11 | $ 1,516,000 | $ 137,000 | $ 96,000 |
| Rockdale County Georgia | 10 | $ 1,521,000 | $ 152,000 | $ 114,000 |
| Walton County Georgia | 10 | $ 1,480,000 | $ 148,000 | $ 90,000 |
| Clarke County Georgia | 9 | $ 1,690,000 | $ 187,000 | $ 65,000 |
| Bartow County Georgia | 7 | $ 831,000 | $ 118,000 | $ 67,000 |
| Cleburne County Alabama | 6 | $ 261,000 | $ 43,000 | $ 30,000 |
| Randolph County Alabama | 6 | $ 515,000 | $ 85,000 | $ 36,000 |
| Coweta County Georgia | 6 | $ 745,000 | $ 124,000 | $ 228,000 |
| Newton County Georgia | 6 | $ 989,000 | $ 164,000 | $ 98,000 |
| Greenville County South Carolina | 6 | $ 3,827,000 | $ 637,000 | $ 0 |
| Bay County Florida | 5 | $ 525,000 | $ 105,000 | $ 59,000 |
| Gordon County Georgia | 5 | $ 424,000 | $ 84,000 | $ 55,000 |
| Pickens County Georgia | 5 | $ 1,187,000 | $ 237,000 | $ 248,000 |
| Putnam County Georgia | 5 | $ 1,369,000 | $ 273,000 | $ 138,000 |
| White County Georgia | 5 | $ 602,000 | $ 120,000 | $ 54,000 |
| Mecklenburg County North Carolina | 5 | $ 1,454,000 | $ 290,000 | $ 0 |
| Spartanburg County South Carolina | 5 | $ 1,076,000 | $ 215,000 | $ 0 |
| Jefferson County Alabama | 4 | $ 792,000 | $ 198,000 | $ 51,000 |
| Fayette County Georgia | 4 | $ 656,000 | $ 164,000 | $ 153,000 |
| Franklin County Georgia | 4 | $ 691,000 | $ 172,000 | $ 76,000 |
| Houston County Georgia | 4 | $ 443,000 | $ 110,000 | $ 0 |
| Madison County Georgia | 4 | $ 170,000 | $ 42,000 | $ 11,000 |
| Rabun County Georgia | 4 | $ 2,471,000 | $ 617,000 | $ 329,000 |
| Towns County Georgia | 4 | $ 452,000 | $ 113,000 | $ 45,000 |
| Lexington County South Carolina | 4 | $ 547,000 | $ 136,000 | $ 0 |
| Richland County South Carolina | 4 | $ 1,261,000 | $ 315,000 | $ 0 |
| Cherokee County Alabama | 3 | $ 275,000 | $ 91,000 | $ 8,000 |
| Marion County Florida | 3 | $ 17,128,000 | $ 5,709,000 | $ 18,000 |
| Catoosa County Georgia | 3 | $ 353,000 | $ 117,000 | $ 50,000 |
| Crawford County Georgia | 3 | $ 44,000 | $ 14,000 | $ 0 |
| Greene County Georgia | 3 | $ 873,000 | $ 291,000 | $ 0 |
| Morgan County Georgia | 3 | $ 844,000 | $ 281,000 | $ 104,000 |
| Oconee County Georgia | 3 | $ 564,000 | $ 188,000 | $ 68,000 |
| Troup County Georgia | 3 | $ 181,000 | $ 60,000 | $ 0 |
| Union County North Carolina | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Hamilton County Tennessee | 3 | $ 436,000 | $ 145,000 | $ 219,000 |
| Russell County Alabama | 2 | $ 36,000 | $ 18,000 | $ 0 |
| Tallapoosa County Alabama | 2 | $ 156,000 | $ 78,000 | $ 66,000 |
| Duval County Florida | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Flagler County Florida | 2 | $ 320,000 | $ 160,000 | $ 442,000 |
| Leon County Florida | 2 | $ 263,000 | $ 131,000 | $ 93,000 |
| Okaloosa County Florida | 2 | $ 540,000 | $ 270,000 | $ 120,000 |
| Pinellas County Florida | 2 | $ 285,000 | $ 142,000 | $ 107,000 |
| St. Johns County Florida | 2 | $ 512,000 | $ 256,000 | $ 244,000 |
| Volusia County Florida | 2 | $ 2,708,000 | $ 1,354,000 | $ 217,000 |
| Walton County Florida | 2 | $ 660,000 | $ 330,000 | $ 276,000 |
| Elbert County Georgia | 2 | $ 483,000 | $ 241,000 | $ 149,000 |
| Polk County Georgia | 2 | $ 125,000 | $ 62,000 | $ 27,000 |
| Stephens County Georgia | 2 | $ 38,000 | $ 19,000 | $ 0 |
| Anderson County South Carolina | 2 | $ 970,000 | $ 485,000 | $ 0 |
| Beaufort County South Carolina | 2 | $ 1,586,000 | $ 793,000 | $ 360,000 |
| Oconee County South Carolina | 2 | $ 686,000 | $ 343,000 | $ 48,000 |
| Pickens County South Carolina | 2 | $ 688,000 | $ 344,000 | $ 37,000 |
| Chambers County Alabama | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Lee County Alabama | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Talladega County Alabama | 1 | $ 132,000 | $ 132,000 | $ 266,000 |
| Tuscaloosa County Alabama | 1 | $ 165,000 | $ 165,000 | $ 148,000 |
| San Diego County California | 1 | $ 268,000 | $ 268,000 | $ 40,000 |
| El Paso County Colorado | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Gulf County Florida | 1 | $ 117,000 | $ 117,000 | $ 110,000 |
| Hillsborough County Florida | 1 | $ 14,480,000 | $ 14,480,000 | $ 0 |
| Polk County Florida | 1 | $ 200,000 | $ 200,000 | $ 115,000 |
| Sarasota County Florida | 1 | $ 156,000 | $ 156,000 | $ 159,000 |
| Seminole County Florida | 1 | $ 341,000 | $ 341,000 | $ 72,000 |
| Bulloch County Georgia | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Chatham County Georgia | 1 | $ 307,000 | $ 307,000 | $ 425,000 |
| Columbia County Georgia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Floyd County Georgia | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Hart County Georgia | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Jasper County Georgia | 1 | $ 101,000 | $ 101,000 | $ 28,000 |
| Lincoln County Georgia | 1 | $ 50,000 | $ 50,000 | $ 147,000 |
| Lowndes County Georgia | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Peach County Georgia | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Richmond County Georgia | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Twiggs County Georgia | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Upson County Georgia | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Walker County Georgia | 1 | $ 116,000 | $ 116,000 | $ 41,000 |
| Anne Arundel County Maryland | 1 | $ 180,000 | $ 180,000 | $ 100,000 |
| Washoe County Nevada | 1 | $ 11,110,000 | $ 11,110,000 | $ 0 |
| Niagara County New York | 1 | $ 4,700,000 | $ 4,700,000 | $ 0 |
| Clay County North Carolina | 1 | $ 77,000 | $ 77,000 | $ 48,000 |
| Forsyth County North Carolina | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Martin County North Carolina | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Pender County North Carolina | 1 | $ 7,413,000 | $ 7,413,000 | $ 0 |
| Wake County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Jackson County Oregon | 1 | $ 8,500,000 | $ 8,500,000 | $ 0 |
| Monroe County Pennsylvania | 1 | $ 6,525,000 | $ 6,525,000 | $ 0 |
| Aiken County South Carolina | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Colleton County South Carolina | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Marion County South Carolina | 1 | $ 239,000 | $ 239,000 | $ 0 |
| York County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bradley County Tennessee | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Knox County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Montgomery County Texas | 1 | $ 20,027,000 | $ 20,027,000 | $ 0 |
| Tarrant County Texas | 1 | $ 11,723,000 | $ 11,723,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Falls Church County Virginia | 1 | $ 25,000,000 | $ 25,000,000 | $ 0 |
| Williamsburg County Virginia | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Community & Southern Bank in 2015
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 | 893 | $149,838,000 | $167,000 | $17,000,000 | $60,000 | $1,995,000 |
| Home Purchase | 515 | $204,452,000 | $396,000 | $25,000,000 | $102,000 | $2,473,000 |
| Home Improvement | 42 | $3,088,000 | $73,000 | $700,000 | $63,000 | $519,000 |
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 | 763 | $133,384,000 | $174,000 | $2,340,000 | $113,000 | $1,995,000 |
| Not applicable | 467 | $189,453,000 | $405,000 | $25,000,000 | $0 | $125,000 |
| Black or African American | 115 | $17,552,000 | $152,000 | $705,000 | $73,000 | $303,000 |
| Hispanic | 56 | $5,737,000 | $102,000 | $303,000 | $52,000 | $158,000 |
| Not Provided | 30 | $4,757,000 | $158,000 | $417,000 | $73,000 | $230,000 |
| Asian | 17 | $5,794,000 | $340,000 | $650,000 | $523,000 | $2,473,000 |
| American Indian or Alaskan Native | 2 | $701,000 | $350,000 | $360,000 | $136,000 | $201,000 |
| 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) | 1,232 | $325,662,000 | $264,000 | $25,000,000 | $79,000 | $2,473,000 |
| FHA-insured (Federal Housing Administration) | 161 | $22,520,000 | $139,000 | $349,000 | $54,000 | $270,000 |
| VA-guaranteed (Veterans Administration) | 34 | $6,845,000 | $201,000 | $417,000 | $64,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,351,000 | $102,000 | $160,000 | $42,000 | $74,000 |
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 | 595 | $239,257,000 | $402,000 | $25,000,000 | $117,000 | $2,473,000 |
| Loan Purchased By The Institution | 421 | $46,083,000 | $109,000 | $7,369,000 | $0 | $0 |
| Application Denied By Financial Institution | 279 | $42,559,000 | $152,000 | $930,000 | $85,000 | $1,200,000 |
| Application Withdrawn By Applicant | 93 | $19,502,000 | $209,000 | $1,120,000 | $110,000 | $630,000 |
| Application Approved But Not Accepted | 33 | $4,219,000 | $127,000 | $663,000 | $93,000 | $304,000 |
| File Closed For Incompleteness | 29 | $5,758,000 | $198,000 | $500,000 | $88,000 | $350,000 |
| 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 | 91 | $9,737,000 | $107,000 | $550,000 | $65,000 | $410,000 |
| Debt-To-Income Ratio | 70 | $12,028,000 | $171,000 | $705,000 | $77,000 | $487,000 |
| Collateral | 39 | $7,479,000 | $191,000 | $930,000 | $96,000 | $240,000 |
| Credit Application Incomplete | 33 | $6,341,000 | $192,000 | $419,000 | $103,000 | $312,000 |
| Unverifiable Information | 13 | $1,442,000 | $110,000 | $275,000 | $112,000 | $294,000 |
| Other | 10 | $1,038,000 | $103,000 | $177,000 | $77,000 | $147,000 |
| Employment History | 10 | $628,000 | $62,000 | $208,000 | $24,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,171,000 | $271,000 | $600,000 | $116,000 | $216,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community & Southern Bank's 2015 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.