Community & Southern Bank Mortgage Lending & HMDA Data, 2015
In 2015, Community & Southern Bank of Atlanta, GA reported 1,450 mortgage applications totaling $357.4 million, up 60% from 2014. The average application was for $246,467, and applicants reported an average income of $75,004. 41% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (883), Dalton, GA (82) and Macon, GA (33) (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 | 1,450 |
| Total Mortgage Loan Application Amount | $357,378,000 |
| Average Mortgage Loan Application Amount | $246,467 |
| Highest Mortgage Loan Application Amount | $25,000,000 |
| Average Applicant Income | $75,004 |
| Highest Applicant Income | $2,473,000 |
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records Community & Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 883 | $ 138,428,000 | $ 156,770 | $ 87,000 |
| Dalton, GA | 82 | $ 11,125,000 | $ 135,670 | $ 57,000 |
| Macon, GA | 33 | $ 1,602,000 | $ 48,545 | $ 0 |
| Gainesville, GA | 27 | $ 7,071,000 | $ 261,888 | $ 112,000 |
| Athens-Clarke County, GA | 16 | $ 2,424,000 | $ 151,500 | $ 52,000 |
| Columbus, GA-AL | 15 | $ 7,821,000 | $ 521,400 | $ 13,866 |
| Greenville-Anderson-Mauldin, SC | 10 | $ 5,485,000 | $ 548,500 | $ 7,000 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 1,794,000 | $ 199,333 | $ 0 |
| Columbia, SC | 8 | $ 1,808,000 | $ 226,000 | $ 0 |
| Chattanooga, TN-GA | 7 | $ 905,000 | $ 129,285 | $ 121,285 |
| Panama City, FL | 6 | $ 642,000 | $ 107,000 | $ 68,000 |
| Spartanburg, SC | 5 | $ 1,076,000 | $ 215,200 | $ 0 |
| Warner Robins, GA | 5 | $ 530,000 | $ 106,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 4 | $ 608,000 | $ 152,000 | $ 36,750 |
| Birmingham-Hoover, AL | 4 | $ 792,000 | $ 198,000 | $ 51,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,200,000 | $ 300,000 | $ 198,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 3,028,000 | $ 757,000 | $ 329,000 |
| Jacksonville, FL | 4 | $ 766,000 | $ 191,500 | $ 122,000 |
| Ocala, FL | 3 | $ 17,128,000 | $ 5,709,333 | $ 18,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 14,765,000 | $ 4,921,666 | $ 71,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 1,586,000 | $ 793,000 | $ 360,000 |
| Tallahassee, FL | 2 | $ 263,000 | $ 131,500 | $ 93,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 25,253,000 | $ 12,626,500 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 1 | $ 180,000 | $ 180,000 | $ 100,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 4,700,000 | $ 4,700,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Cleveland, TN | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 213,000 | $ 213,000 | $ 0 |
| East Stroudsburg, PA | 1 | $ 6,525,000 | $ 6,525,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 11,723,000 | $ 11,723,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 20,027,000 | $ 20,027,000 | $ 0 |
| Knoxville, TN | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 200,000 | $ 200,000 | $ 115,000 |
| Medford, OR | 1 | $ 8,500,000 | $ 8,500,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 156,000 | $ 156,000 | $ 159,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 341,000 | $ 341,000 | $ 72,000 |
| Raleigh, NC | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Reno, NV | 1 | $ 11,110,000 | $ 11,110,000 | $ 0 |
| Rome, GA | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| San Diego-Carlsbad, CA | 1 | $ 268,000 | $ 268,000 | $ 40,000 |
| Savannah, GA | 1 | $ 307,000 | $ 307,000 | $ 425,000 |
| Tuscaloosa, AL | 1 | $ 165,000 | $ 165,000 | $ 148,000 |
| Valdosta, GA | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Wilmington, NC | 1 | $ 7,413,000 | $ 7,413,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 366,000 | $ 366,000 | $ 0 |
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.
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