Southside Bank mortgage approval rate & lending review
Southside Bank decided 882 mortgage applications and funded 513 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Southside Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Southside Bank at a glance
Approval is 22.2 points below the 80.9% 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 | 60% | 327 / 543 | 99% | $555K | 325 |
| Home improvement loans | 58% | 70 / 120 | 97% | $95K | 68 |
| Cash-out refinance | 45% | 45 / 101 | 100% | $145K | 45 |
| Refinance | 66% | 19 / 29 | 100% | $105K | 19 |
| Investment property purchase | 72% | 42 / 58 | 98% | $265K | 41 |
Southside Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 58% | $555K | 876 | 507 |
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 Southside Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Smith County, TX | Mortgage lenders | 58% | 184 | 107 |
| Smith County, TX | Home improvement loans | 54% | 68 | 37 |
| Smith County, TX | Cash-out refinance | 38% | 37 | 14 |
| Tarrant County, TX | Home improvement loans | 68% | 22 | 14 |
| Gregg County, TX | Mortgage lenders | 50% | 24 | 12 |
The county markets where Southside Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Southside Bank
What is Southside Bank's mortgage approval rate?
Southside Bank approved 58.7% of the 882 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 22.2 points below the 80.9% national rate for the same mix of loan types.
How often do borrowers take the loan Southside Bank offers?
Borrowers accepted 99% of the loans Southside Bank 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 Southside Bank make?
The typical home purchase mortgage loan Southside Bank made was $555K; across all loan types its typical loan ran from $95K to $555K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Southside Bank lend?
Southside Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Texas, Colorado and Louisiana.
Can I apply to Southside Bank directly?
Yes. Southside Bank is a bank or credit union with 57 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Southside 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 Southside Bank treats applications, then get a rate quote from the lender.