Southpoint Financial Services, Inc. mortgage approval rate & lending review
Southpoint Financial Services, Inc. decided 788 mortgage applications and funded 773 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Southpoint Financial Services, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to southpointfinancial.com.
Southpoint Financial Services, Inc. at a glance
Approval is 13.4 points above the 84.7% 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 | 98% | 622 / 635 | 100% | $295K | 622 |
| Cash-out refinance | 98% | 103 / 105 | 100% | $195K | 103 |
| Investment property purchase | 100% | 26 / 26 | 100% | $165K | 26 |
Southpoint Financial Services, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 99% | $345K | 391 | 386 |
| Florida | 96% | $365K | 151 | 145 |
| South Carolina | 98% | $265K | 105 | 103 |
| Pennsylvania | 98% | $185K | 50 | 49 |
| Alabama | 100% | $175K | 23 | 23 |
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 Southpoint Financial Services, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Chatham County, GA | Mortgage lenders | 100% | 45 | 45 |
| Erie County, PA | Mortgage lenders | 100% | 28 | 28 |
The county markets where Southpoint Financial Services, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Southpoint Financial Services, Inc.
What is Southpoint Financial Services, Inc.'s mortgage approval rate?
Southpoint Financial Services, Inc. approved 98.1% of the 788 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.4 points above the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan Southpoint Financial Services, Inc. offers?
Borrowers accepted 100% of the loans Southpoint Financial Services, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Southpoint Financial Services, Inc. make?
The typical home purchase mortgage loan Southpoint Financial Services, Inc. made was $295K; across all loan types its typical loan ran from $165K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Southpoint Financial Services, Inc. lend?
Southpoint Financial Services, Inc. decided applications in 14 of the states Fat Boy Data covers, most of them in Georgia, Florida and South Carolina.
Can I apply to Southpoint Financial Services, Inc. directly?
Yes. Southpoint Financial Services, Inc. reports as a direct lender that takes applications from borrowers. Its website is southpointfinancial.com.
Does this page show Southpoint Financial Services, Inc.'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 Southpoint Financial Services, Inc. treats applications, then get a rate quote from the lender.