Lender profile · HMDA 2023–2025
SouthPoint Bank mortgage approval rates & lending data
SouthPoint Bank decided 1,506 mortgage applications and funded 1,338 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 1,148 / 1,290 | 99% | $265K | 1,137 |
| Cash-out refinance | 94% | 29 / 31 | 100% | $195K | 29 |
| Refinance | 89% | 34 / 38 | 97% | $325K | 33 |
| Investment property purchase | 95% | 125 / 132 | 99% | $245K | 124 |
SouthPoint Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 90% | $265K | 1,456 | 1,292 |
| Florida | 94% | $285K | 34 | 32 |
| Georgia | 75% | $315K | 4 | 3 |
| Tennessee | 100% | $225K | 4 | 4 |
| Mississippi | 100% | $185K | 2 | 2 |
| North Carolina | 100% | $115K | 2 | 2 |
| Arizona | 100% | $405K | 1 | 1 |
| Minnesota | 100% | $415K | 1 | 1 |
| New York | 100% | $1.51M | 1 | 1 |
| South Carolina | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.