Southpoint Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Southpoint Bank 2021 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 | 1,965 |
| Total Mortgage Loan Application Amount | $490,535,000 |
| Average Mortgage Loan Application Amount | $228,600 |
| Highest Mortgage Loan Application Amount | $7,075,000 |
| Average Applicant Income | $99,200 |
| Highest Applicant Income | $2,842,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 517 | $ 143,305,000 | $ 277,000 | $ 98,000 |
| Shelby County Alabama | 288 | $ 77,150,000 | $ 267,000 | $ 96,000 |
| St. Clair County Alabama | 142 | $ 33,940,000 | $ 239,000 | $ 85,000 |
| Morgan County Alabama | 137 | $ 25,945,000 | $ 189,000 | $ 79,000 |
| Calhoun County Alabama | 126 | $ 21,190,000 | $ 168,000 | $ 67,000 |
| Baldwin County Alabama | 118 | $ 35,100,000 | $ 297,000 | $ 121,000 |
| Lawrence County Alabama | 54 | $ 9,740,000 | $ 180,000 | $ 70,000 |
| Talladega County Alabama | 52 | $ 11,010,000 | $ 211,000 | $ 72,000 |
| Tallapoosa County Alabama | 48 | $ 11,360,000 | $ 236,000 | $ 133,000 |
| Elmore County Alabama | 42 | $ 8,510,000 | $ 202,000 | $ 91,000 |
| Blount County Alabama | 39 | $ 6,615,000 | $ 169,000 | $ 64,000 |
| Madison County Alabama | 35 | $ 7,985,000 | $ 228,000 | $ 124,000 |
| Autauga County Alabama | 33 | $ 6,245,000 | $ 189,000 | $ 81,000 |
| Tuscaloosa County Alabama | 27 | $ 11,205,000 | $ 415,000 | $ 100,000 |
| Mobile County Alabama | 26 | $ 4,160,000 | $ 160,000 | $ 83,000 |
| Montgomery County Alabama | 26 | $ 3,530,000 | $ 135,000 | $ 61,000 |
| Walker County Alabama | 16 | $ 3,160,000 | $ 197,000 | $ 83,000 |
| Walton County Florida | 15 | $ 8,095,000 | $ 539,000 | $ 213,000 |
| Lauderdale County Alabama | 14 | $ 1,980,000 | $ 141,000 | $ 55,000 |
| Chilton County Alabama | 13 | $ 3,265,000 | $ 251,000 | $ 123,000 |
| Lee County Alabama | 13 | $ 5,105,000 | $ 392,000 | $ 327,000 |
| Bay County Florida | 13 | $ 4,125,000 | $ 317,000 | $ 212,000 |
| Limestone County Alabama | 12 | $ 3,610,000 | $ 300,000 | $ 102,000 |
| Colbert County Alabama | 10 | $ 1,110,000 | $ 111,000 | $ 44,000 |
| Cullman County Alabama | 9 | $ 1,925,000 | $ 213,000 | $ 90,000 |
| Okaloosa County Florida | 8 | $ 2,800,000 | $ 350,000 | $ 176,000 |
| Dallas County Alabama | 7 | $ 745,000 | $ 106,000 | $ 51,000 |
| Marshall County Alabama | 6 | $ 2,150,000 | $ 358,000 | $ 128,000 |
| Pike County Alabama | 6 | $ 910,000 | $ 151,000 | $ 52,000 |
| Cleburne County Alabama | 5 | $ 775,000 | $ 155,000 | $ 76,000 |
| Escambia County Alabama | 5 | $ 1,105,000 | $ 221,000 | $ 102,000 |
| Etowah County Alabama | 5 | $ 845,000 | $ 169,000 | $ 58,000 |
| Franklin County Alabama | 5 | $ 635,000 | $ 127,000 | $ 52,000 |
| Bibb County Alabama | 4 | $ 620,000 | $ 155,000 | $ 64,000 |
| Fulton County Georgia | 4 | $ 1,980,000 | $ 495,000 | $ 250,000 |
| Harrison County Mississippi | 4 | $ 1,230,000 | $ 307,000 | $ 104,000 |
| Clay County Alabama | 3 | $ 635,000 | $ 211,000 | $ 62,000 |
| Coosa County Alabama | 3 | $ 495,000 | $ 165,000 | $ 74,000 |
| Jackson County Alabama | 3 | $ 2,275,000 | $ 758,000 | $ 1,002,000 |
| Winston County Alabama | 3 | $ 965,000 | $ 321,000 | $ 366,000 |
| Escambia County Florida | 3 | $ 2,245,000 | $ 748,000 | $ 289,000 |
| Davidson County Tennessee | 3 | $ 1,315,000 | $ 438,000 | $ 142,000 |
| Butler County Alabama | 2 | $ 210,000 | $ 105,000 | $ 233,000 |
| Conecuh County Alabama | 2 | $ 380,000 | $ 190,000 | $ 166,000 |
| DeKalb County Alabama | 2 | $ 220,000 | $ 110,000 | $ 101,000 |
| Houston County Alabama | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Lowndes County Alabama | 2 | $ 170,000 | $ 85,000 | $ 20,000 |
| Marengo County Alabama | 2 | $ 380,000 | $ 190,000 | $ 97,000 |
| Monroe County Alabama | 2 | $ 280,000 | $ 140,000 | $ 41,000 |
| Randolph County Alabama | 2 | $ 400,000 | $ 200,000 | $ 114,000 |
| Leon County Florida | 2 | $ 220,000 | $ 110,000 | $ 66,000 |
| Forrest County Mississippi | 2 | $ 550,000 | $ 275,000 | $ 69,000 |
| Durham County North Carolina | 2 | $ 600,000 | $ 300,000 | $ 100,000 |
| Franklin County Tennessee | 2 | $ 470,000 | $ 235,000 | $ 102,000 |
| Bullock County Alabama | 1 | $ 265,000 | $ 265,000 | $ 512,000 |
| Coffee County Alabama | 1 | $ 125,000 | $ 125,000 | $ 22,000 |
| Dale County Alabama | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Henry County Alabama | 1 | $ 295,000 | $ 295,000 | $ 128,000 |
| Marion County Alabama | 1 | $ 145,000 | $ 145,000 | $ 152,000 |
| Russell County Alabama | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Wilcox County Alabama | 1 | $ 205,000 | $ 205,000 | $ 417,000 |
| Benton County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 201,000 |
| Broomfield County Colorado | 1 | $ 525,000 | $ 525,000 | $ 121,000 |
| Douglas County Colorado | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Orange County Florida | 1 | $ 115,000 | $ 115,000 | $ 135,000 |
| Santa Rosa County Florida | 1 | $ 305,000 | $ 305,000 | $ 66,000 |
| DeKalb County Georgia | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Fannin County Georgia | 1 | $ 195,000 | $ 195,000 | $ 107,000 |
| Gwinnett County Georgia | 1 | $ 185,000 | $ 185,000 | $ 172,000 |
| Houston County Georgia | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Paulding County Georgia | 1 | $ 295,000 | $ 295,000 | $ 87,000 |
| Rabun County Georgia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Madison County Illinois | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Sedgwick County Kansas | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Calloway County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Vermilion County Louisiana | 1 | $ 275,000 | $ 275,000 | $ 160,000 |
| Hinds County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Jefferson Davis County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Lafayette County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 146,000 |
| Lamar County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Lauderdale County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Marion County Mississippi | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Pearl River County Mississippi | 1 | $ 415,000 | $ 415,000 | $ 68,000 |
| Pontotoc County Mississippi | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Rankin County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Avery County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 253,000 |
| Payne County Oklahoma | 1 | $ 5,835,000 | $ 5,835,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Oconee County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 20,000 |
| Lawrence County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Lincoln County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 175,000 |
| Marshall County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Shelby County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 201,000 |
Mortgage Loan Application Detail Totals for Southpoint Bank in 2021
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 | 1,431 | $349,575,000 | $244,000 | $5,835,000 | $89,000 | $1,584,000 |
| Refinancing | 335 | $85,145,000 | $254,000 | $1,925,000 | $126,000 | $2,842,000 |
| Cash-out Refinancing | 178 | $52,110,000 | $292,000 | $7,075,000 | $117,000 | $870,000 |
| Other Purpose | 11 | $1,905,000 | $173,000 | $455,000 | $93,000 | $182,000 |
| Home Improvement | 10 | $1,800,000 | $180,000 | $375,000 | $71,000 | $150,000 |
| 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 | 1,526 | $374,550,000 | $245,000 | $7,075,000 | $102,000 | $2,842,000 |
| Black or African American | 234 | $49,180,000 | $210,000 | $1,005,000 | $71,000 | $230,000 |
| Not applicable | 61 | $33,635,000 | $551,000 | $5,835,000 | $0 | $0 |
| Hispanic | 49 | $10,685,000 | $218,000 | $545,000 | $80,000 | $220,000 |
| Not Provided | 43 | $10,125,000 | $235,000 | $455,000 | $96,000 | $257,000 |
| Asian | 37 | $9,155,000 | $247,000 | $1,085,000 | $135,000 | $441,000 |
| American Indian or Alaskan Native | 11 | $2,035,000 | $185,000 | $305,000 | $69,000 | $97,000 |
| 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) | 1,391 | $374,925,000 | $269,000 | $7,075,000 | $112,000 | $2,842,000 |
| FHA-insured (Federal Housing Administration) | 361 | $68,875,000 | $190,000 | $365,000 | $65,000 | $324,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 109 | $19,605,000 | $179,000 | $315,000 | $54,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 104 | $27,130,000 | $260,000 | $615,000 | $77,000 | $220,000 |
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 | 1,530 | $382,260,000 | $249,000 | $5,835,000 | $94,000 | $2,842,000 |
| Application Withdrawn By Applicant | 332 | $78,820,000 | $237,000 | $2,465,000 | $109,000 | $1,569,000 |
| Application Denied By Financial Institution | 55 | $16,795,000 | $305,000 | $7,075,000 | $84,000 | $768,000 |
| File Closed For Incompleteness | 39 | $11,195,000 | $287,000 | $1,475,000 | $173,000 | $1,150,000 |
| Application Approved But Not Accepted | 7 | $1,215,000 | $173,000 | $395,000 | $73,000 | $149,000 |
| Loan Purchased By The Institution | 2 | $250,000 | $125,000 | $125,000 | $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 | 1,910 | $473,740,000 | $248,000 | $5,835,000 | $99,000 | $2,842,000 |
| Debt-To-Income Ratio | 20 | $10,280,000 | $514,000 | $7,075,000 | $86,000 | $768,000 |
| Credit History | 11 | $2,105,000 | $191,000 | $375,000 | $71,000 | $127,000 |
| Collateral | 10 | $2,180,000 | $218,000 | $535,000 | $106,000 | $205,000 |
| Unverifiable Information | 6 | $1,170,000 | $195,000 | $415,000 | $101,000 | $229,000 |
| Other | 3 | $425,000 | $141,000 | $185,000 | $51,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $225,000 | $41,000 | $65,000 |
| Employment History | 2 | $320,000 | $160,000 | $245,000 | $93,000 | $166,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southpoint Bank's 2021 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.