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records Community & Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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-Marietta, GA | 1,059 | $ 233,855,000 | $ 220,826 | $ 111,000 |
| Dalton, GA | 54 | $ 4,614,000 | $ 85,444 | $ 67,000 |
| Gainesville, GA | 21 | $ 3,221,000 | $ 153,380 | $ 122,000 |
| Athens-Clarke County, GA | 14 | $ 1,841,000 | $ 131,500 | $ 101,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 682,000 | $ 227,333 | $ 82,333 |
| Cleveland, TN | 3 | $ 122,000 | $ 40,666 | $ 32,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 405,000 | $ 135,000 | $ 71,000 |
| Rome, GA | 3 | $ 250,000 | $ 83,333 | $ 60,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 404,000 | $ 202,000 | $ 81,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 468,000 | $ 234,000 | $ 80,000 |
| Lexington-Fayette, KY | 2 | $ 13,805,000 | $ 6,902,500 | $ 196,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 1,240,000 | $ 620,000 | $ 1,566,000 |
| Ann Arbor, MI | 1 | $ 345,000 | $ 345,000 | $ 122,000 |
| Anniston-Oxford, AL | 1 | $ 149,000 | $ 149,000 | $ 57,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 19,500,000 | $ 19,500,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 412,000 | $ 412,000 | $ 279,000 |
| Gainesville, FL | 1 | $ 338,000 | $ 338,000 | $ 110,000 |
| Niles-Benton Harbor, MI | 1 | $ 7,000 | $ 7,000 | $ 55,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 167,000 | $ 167,000 | $ 184,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 110,000 | $ 110,000 | $ 184,000 |
| Prescott, AZ | 1 | $ 8,500,000 | $ 8,500,000 | $ 0 |
| Savannah, GA | 1 | $ 296,000 | $ 296,000 | $ 107,000 |
| St. Louis, MO-IL | 1 | $ 228,000 | $ 228,000 | $ 140,000 |
| Tulsa, OK | 1 | $ 7,725,000 | $ 7,725,000 | $ 0 |
| Warner Robins, GA | 1 | $ 267,000 | $ 267,000 | $ 144,000 |
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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