SouthTrust Bank, N.A. mortgage approval rate & lending review
SouthTrust Bank, N.A. decided 276 mortgage applications and funded 253 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions SouthTrust Bank, N.A. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
SouthTrust Bank, N.A. at a glance
Approval is 6.0 points above the 86.4% 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 | 94% | 175 / 187 | 99% | $195K | 174 |
| Investment property purchase | 97% | 63 / 65 | 98% | $115K | 62 |
SouthTrust Bank, N.A. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 92% | $195K | 276 | 253 |
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 SouthTrust Bank, N.A. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Galveston County, TX | Investment property purchase | 97% | 32 | 31 |
The county markets where SouthTrust Bank, N.A. made the most loans. Each link opens that market with every lender ranked.
Questions about SouthTrust Bank, N.A.
What is SouthTrust Bank, N.A.'s mortgage approval rate?
SouthTrust Bank, N.A. approved 92.4% of the 276 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.0 points above the 86.4% national rate for the same mix of loan types.
How often do borrowers take the loan SouthTrust Bank, N.A. offers?
Borrowers accepted 99% of the loans SouthTrust Bank, N.A. 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 SouthTrust Bank, N.A. make?
The typical home purchase mortgage loan SouthTrust Bank, N.A. made was $195K; across all loan types its typical loan ran from $115K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does SouthTrust Bank, N.A. lend?
SouthTrust Bank, N.A. decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to SouthTrust Bank, N.A. directly?
Yes. SouthTrust Bank, N.A. is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show SouthTrust Bank, N.A.'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 SouthTrust Bank, N.A. treats applications, then get a rate quote from the lender.