Southpoint Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Southpoint Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Southpoint Bank 3501 Grandview Parkway Birmingham, AL 35243 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,901 |
| Total Mortgage Loan Application Amount | $417,515,000 |
| Average Mortgage Loan Application Amount | $201,800 |
| Highest Mortgage Loan Application Amount | $5,055,000 |
| Average Applicant Income | $104,200 |
| Highest Applicant Income | $751,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Southpoint Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Southpoint Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Southpoint Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Southpoint Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Southpoint Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Southpoint Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Alabama | 410 | $ 105,390,000 | $ 257,000 | $ 95,000 |
| Shelby County Alabama | 323 | $ 77,865,000 | $ 241,000 | $ 92,000 |
| Morgan County Alabama | 164 | $ 29,420,000 | $ 179,000 | $ 78,000 |
| St. Clair County Alabama | 139 | $ 31,575,000 | $ 227,000 | $ 88,000 |
| Baldwin County Alabama | 132 | $ 30,870,000 | $ 233,000 | $ 98,000 |
| Lawrence County Alabama | 72 | $ 11,100,000 | $ 154,000 | $ 65,000 |
| Tallapoosa County Alabama | 69 | $ 17,785,000 | $ 257,000 | $ 119,000 |
| Elmore County Alabama | 62 | $ 10,480,000 | $ 169,000 | $ 76,000 |
| Calhoun County Alabama | 50 | $ 8,620,000 | $ 172,000 | $ 89,000 |
| Colbert County Alabama | 40 | $ 4,990,000 | $ 124,000 | $ 57,000 |
| Montgomery County Alabama | 40 | $ 5,160,000 | $ 129,000 | $ 54,000 |
| Autauga County Alabama | 39 | $ 5,735,000 | $ 147,000 | $ 67,000 |
| Lauderdale County Alabama | 36 | $ 5,060,000 | $ 140,000 | $ 60,000 |
| Talladega County Alabama | 32 | $ 6,030,000 | $ 188,000 | $ 88,000 |
| Tuscaloosa County Alabama | 29 | $ 5,155,000 | $ 177,000 | $ 84,000 |
| Madison County Alabama | 28 | $ 6,390,000 | $ 228,000 | $ 110,000 |
| Blount County Alabama | 24 | $ 4,740,000 | $ 197,000 | $ 74,000 |
| Mobile County Alabama | 24 | $ 5,150,000 | $ 214,000 | $ 103,000 |
| Walton County Florida | 21 | $ 8,325,000 | $ 396,000 | $ 170,000 |
| Lee County Alabama | 19 | $ 5,115,000 | $ 269,000 | $ 112,000 |
| Limestone County Alabama | 19 | $ 3,165,000 | $ 166,000 | $ 81,000 |
| Bay County Florida | 17 | $ 5,475,000 | $ 322,000 | $ 127,000 |
| Cullman County Alabama | 8 | $ 1,530,000 | $ 191,000 | $ 59,000 |
| Franklin County Alabama | 7 | $ 1,255,000 | $ 179,000 | $ 66,000 |
| Walker County Alabama | 6 | $ 1,420,000 | $ 236,000 | $ 101,000 |
| Chilton County Alabama | 5 | $ 825,000 | $ 165,000 | $ 98,000 |
| Washington County Alabama | 5 | $ 535,000 | $ 107,000 | $ 45,000 |
| Winston County Alabama | 5 | $ 1,195,000 | $ 239,000 | $ 228,000 |
| Escambia County Alabama | 4 | $ 800,000 | $ 200,000 | $ 61,000 |
| Okaloosa County Florida | 3 | $ 435,000 | $ 145,000 | $ 143,000 |
| Orange County Florida | 3 | $ 775,000 | $ 258,000 | $ 101,000 |
| Lamar County Mississippi | 3 | $ 595,000 | $ 198,000 | $ 61,000 |
| Marion County Mississippi | 3 | $ 265,000 | $ 88,000 | $ 42,000 |
| Lincoln County Tennessee | 3 | $ 375,000 | $ 125,000 | $ 124,000 |
| Bibb County Alabama | 2 | $ 290,000 | $ 145,000 | $ 76,000 |
| Cleburne County Alabama | 2 | $ 500,000 | $ 250,000 | $ 70,000 |
| Coosa County Alabama | 2 | $ 390,000 | $ 195,000 | $ 112,000 |
| Dallas County Alabama | 2 | $ 430,000 | $ 215,000 | $ 68,000 |
| Etowah County Alabama | 2 | $ 260,000 | $ 130,000 | $ 50,000 |
| Marion County Alabama | 2 | $ 220,000 | $ 110,000 | $ 33,000 |
| Monroe County Alabama | 2 | $ 320,000 | $ 160,000 | $ 83,000 |
| Santa Rosa County Florida | 2 | $ 610,000 | $ 305,000 | $ 77,000 |
| Jones County Georgia | 2 | $ 280,000 | $ 140,000 | $ 63,000 |
| Jackson County North Carolina | 2 | $ 790,000 | $ 395,000 | $ 180,000 |
| Barbour County Alabama | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Butler County Alabama | 1 | $ 105,000 | $ 105,000 | $ 20,000 |
| Chambers County Alabama | 1 | $ 515,000 | $ 515,000 | $ 370,000 |
| DeKalb County Alabama | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Fayette County Alabama | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Henry County Alabama | 1 | $ 95,000 | $ 95,000 | $ 128,000 |
| Houston County Alabama | 1 | $ 155,000 | $ 155,000 | $ 124,000 |
| Jackson County Alabama | 1 | $ 255,000 | $ 255,000 | $ 161,000 |
| Lowndes County Alabama | 1 | $ 165,000 | $ 165,000 | $ 39,000 |
| Marshall County Alabama | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Pike County Alabama | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Maricopa County Arizona | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Broomfield County Colorado | 1 | $ 525,000 | $ 525,000 | $ 135,000 |
| Duval County Florida | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Escambia County Florida | 1 | $ 485,000 | $ 485,000 | $ 280,000 |
| Leon County Florida | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| Pinellas County Florida | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| DeKalb County Georgia | 1 | $ 405,000 | $ 405,000 | $ 113,000 |
| Fulton County Georgia | 1 | $ 425,000 | $ 425,000 | $ 136,000 |
| Henry County Georgia | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Calcasieu County Louisiana | 1 | $ 355,000 | $ 355,000 | $ 150,000 |
| Montgomery County Maryland | 1 | $ 235,000 | $ 235,000 | $ 422,000 |
| Clay County Mississippi | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| Covington County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| DeSoto County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 135,000 |
| Forrest County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Jones County Mississippi | 1 | $ 385,000 | $ 385,000 | $ 221,000 |
| Rankin County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Simpson County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Wake County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 96,000 |
| Beaufort County South Carolina | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Davidson County Tennessee | 1 | $ 565,000 | $ 565,000 | $ 222,000 |
| Hamilton County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Lawrence County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 54,000 |
| Montgomery County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 31,000 |
| Williamson County Tennessee | 1 | $ 625,000 | $ 625,000 | $ 182,000 |
| Starr County Texas | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Southpoint Bank in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,267 | $265,345,000 | $209,000 | $2,665,000 | $82,000 | $672,000 |
| Refinancing | 454 | $114,250,000 | $251,000 | $5,055,000 | $106,000 | $751,000 |
| Cash-out Refinancing | 155 | $34,325,000 | $221,000 | $515,000 | $106,000 | $366,000 |
| Other Purpose | 19 | $2,375,000 | $125,000 | $215,000 | $77,000 | $183,000 |
| Home Improvement | 6 | $1,220,000 | $203,000 | $515,000 | $150,000 | $240,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,551 | $336,455,000 | $216,000 | $2,665,000 | $93,000 | $751,000 |
| Black or African American | 199 | $37,135,000 | $186,000 | $515,000 | $65,000 | $177,000 |
| Hispanic | 48 | $10,350,000 | $215,000 | $415,000 | $77,000 | $166,000 |
| Not Provided | 46 | $11,000,000 | $239,000 | $585,000 | $100,000 | $480,000 |
| Not applicable | 21 | $15,145,000 | $721,000 | $5,055,000 | $0 | $0 |
| Asian | 19 | $3,935,000 | $207,000 | $415,000 | $85,000 | $340,000 |
| American Indian or Alaskan Native | 13 | $2,825,000 | $217,000 | $515,000 | $76,000 | $197,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,274 | $302,670,000 | $237,000 | $5,055,000 | $103,000 | $751,000 |
| FHA-insured (Federal Housing Administration) | 392 | $66,260,000 | $169,000 | $335,000 | $57,000 | $178,000 |
| VA-guaranteed (Veterans Administration) | 121 | $30,695,000 | $253,000 | $625,000 | $93,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 114 | $17,890,000 | $156,000 | $365,000 | $53,000 | $109,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,509 | $333,965,000 | $221,000 | $5,055,000 | $89,000 | $751,000 |
| Application Withdrawn By Applicant | 293 | $63,165,000 | $215,000 | $755,000 | $95,000 | $480,000 |
| Application Denied By Financial Institution | 57 | $9,765,000 | $171,000 | $465,000 | $80,000 | $278,000 |
| File Closed For Incompleteness | 30 | $8,260,000 | $275,000 | $925,000 | $91,000 | $228,000 |
| Application Approved But Not Accepted | 12 | $2,360,000 | $196,000 | $415,000 | $75,000 | $125,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,844 | $407,750,000 | $221,000 | $5,055,000 | $90,000 | $751,000 |
| Debt-To-Income Ratio | 16 | $2,820,000 | $176,000 | $345,000 | $85,000 | $156,000 |
| Credit History | 13 | $2,215,000 | $170,000 | $465,000 | $83,000 | $278,000 |
| Other | 11 | $1,775,000 | $161,000 | $275,000 | $62,000 | $119,000 |
| Collateral | 7 | $855,000 | $122,000 | $235,000 | $82,000 | $149,000 |
| Unverifiable Information | 6 | $1,360,000 | $226,000 | $445,000 | $73,000 | $101,000 |
| Employment History | 2 | $240,000 | $120,000 | $125,000 | $68,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $500,000 | $250,000 | $335,000 | $128,000 | $217,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southpoint Bank's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Southpoint Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.