Southern Heritage Bank mortgage approval rate & lending review
Southern Heritage Bank decided 406 mortgage applications and funded 386 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Southern Heritage Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Southern Heritage Bank at a glance
Approval is 16.2 points above the 79.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 33 / 38 | 94% | $185K | 31 |
| Cash-out refinance | 84% | 21 / 25 | 100% | $95K | 21 |
| Refinance | 98% | 56 / 57 | 100% | $125K | 56 |
| Investment property purchase | 99% | 133 / 135 | 100% | $115K | 133 |
| Investment cash-out refinance | 93% | 28 / 30 | 100% | $115K | 28 |
| Investment refinance | 99% | 98 / 99 | 100% | $105K | 98 |
Southern Heritage Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 96% | $115K | 406 | 386 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Southern Heritage Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Rapides Parish, LA | Investment property purchase | 99% | 131 | 130 |
| Rapides Parish, LA | Investment refinance | 99% | 96 | 95 |
| Rapides Parish, LA | Refinance | 98% | 56 | 55 |
| Rapides Parish, LA | Mortgage lenders | 85% | 34 | 27 |
| Rapides Parish, LA | Cash-out refinance | 84% | 25 | 21 |
The county markets where Southern Heritage Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Southern Heritage Bank
What is Southern Heritage Bank's mortgage approval rate?
Southern Heritage Bank approved 95.8% of the 406 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.2 points above the 79.6% national rate for the same mix of loan types.
How often do borrowers take the loan Southern Heritage Bank offers?
Borrowers accepted 99% of the loans Southern Heritage Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Southern Heritage Bank make?
The typical investment property mortgage loan Southern Heritage Bank made was $115K; across all loan types its typical loan ran from $95K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Southern Heritage Bank lend?
Southern Heritage Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Louisiana.
Can I apply to Southern Heritage Bank directly?
Yes. Southern Heritage Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Southern Heritage Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Southern Heritage Bank treats applications, then get a rate quote from the lender.