Southpoint Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Southpoint Financial Services, Inc. 2010 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 Financial Services, Inc. 5955 Shiloh Road East, Suite 200 Lawrenceville, GA 30005 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 731 |
| Total Mortgage Loan Application Amount | $111,706,000 |
| Average Mortgage Loan Application Amount | $150,500 |
| Highest Mortgage Loan Application Amount | $910,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $512,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Southpoint Financial Services, Inc.. 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 Financial Services, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down Southpoint Financial Services, Inc.'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 Financial Services, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Southpoint Financial Services, Inc., 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 Financial Services, Inc.'s mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| DeSoto County Mississippi | 88 | $ 12,875,000 | $ 146,000 | $ 61,000 |
| DeKalb County Georgia | 30 | $ 5,127,000 | $ 170,000 | $ 77,000 |
| Shelby County Tennessee | 29 | $ 4,755,000 | $ 163,000 | $ 63,000 |
| Barrow County Georgia | 27 | $ 3,546,000 | $ 131,000 | $ 50,000 |
| Cobb County Georgia | 27 | $ 5,294,000 | $ 196,000 | $ 92,000 |
| Greenwood County South Carolina | 27 | $ 3,335,000 | $ 123,000 | $ 54,000 |
| Davidson County Tennessee | 27 | $ 4,296,000 | $ 159,000 | $ 57,000 |
| Florence County South Carolina | 20 | $ 2,564,000 | $ 128,000 | $ 75,000 |
| Bartow County Georgia | 19 | $ 3,027,000 | $ 159,000 | $ 67,000 |
| Gwinnett County Georgia | 19 | $ 2,795,000 | $ 147,000 | $ 58,000 |
| Coweta County Georgia | 16 | $ 2,228,000 | $ 139,000 | $ 57,000 |
| Hickman County Tennessee | 13 | $ 2,145,000 | $ 165,000 | $ 64,000 |
| Sumner County Tennessee | 13 | $ 2,752,000 | $ 211,000 | $ 68,000 |
| Orange County Florida | 12 | $ 1,904,000 | $ 158,000 | $ 53,000 |
| Santa Rosa County Florida | 11 | $ 1,740,000 | $ 158,000 | $ 48,000 |
| Hamilton County Tennessee | 10 | $ 1,916,000 | $ 191,000 | $ 68,000 |
| Jefferson County Alabama | 9 | $ 1,348,000 | $ 149,000 | $ 56,000 |
| Fulton County Georgia | 9 | $ 1,389,000 | $ 154,000 | $ 88,000 |
| Mecklenburg County North Carolina | 9 | $ 1,364,000 | $ 151,000 | $ 80,000 |
| Wake County North Carolina | 9 | $ 1,467,000 | $ 163,000 | $ 59,000 |
| Greenville County South Carolina | 9 | $ 1,131,000 | $ 125,000 | $ 55,000 |
| Pickens County Georgia | 8 | $ 1,806,000 | $ 225,000 | $ 81,000 |
| Kershaw County South Carolina | 8 | $ 848,000 | $ 106,000 | $ 53,000 |
| Laurens County South Carolina | 8 | $ 969,000 | $ 121,000 | $ 71,000 |
| Clay County Florida | 7 | $ 928,000 | $ 132,000 | $ 51,000 |
| Nassau County Florida | 7 | $ 1,082,000 | $ 154,000 | $ 51,000 |
| Cherokee County Georgia | 7 | $ 1,077,000 | $ 153,000 | $ 52,000 |
| Effingham County Georgia | 6 | $ 792,000 | $ 132,000 | $ 44,000 |
| Duval County Florida | 5 | $ 842,000 | $ 168,000 | $ 52,000 |
| Lake County Florida | 5 | $ 898,000 | $ 179,000 | $ 78,000 |
| Seminole County Florida | 5 | $ 746,000 | $ 149,000 | $ 49,000 |
| Forsyth County Georgia | 5 | $ 1,402,000 | $ 280,000 | $ 99,000 |
| Abbeville County South Carolina | 5 | $ 561,000 | $ 112,000 | $ 47,000 |
| Fayette County Tennessee | 5 | $ 765,000 | $ 153,000 | $ 85,000 |
| Montgomery County Tennessee | 5 | $ 813,000 | $ 162,000 | $ 54,000 |
| Blount County Alabama | 4 | $ 577,000 | $ 144,000 | $ 59,000 |
| Montgomery County Alabama | 4 | $ 595,000 | $ 148,000 | $ 57,000 |
| Clayton County Georgia | 4 | $ 398,000 | $ 99,000 | $ 31,000 |
| Fayette County Georgia | 4 | $ 798,000 | $ 199,000 | $ 73,000 |
| Marshall County Mississippi | 4 | $ 451,000 | $ 112,000 | $ 58,000 |
| Richland County South Carolina | 4 | $ 466,000 | $ 116,000 | $ 37,000 |
| Putnam County Tennessee | 4 | $ 444,000 | $ 111,000 | $ 39,000 |
| Rutherford County Tennessee | 4 | $ 633,000 | $ 158,000 | $ 45,000 |
| Baldwin County Alabama | 3 | $ 364,000 | $ 121,000 | $ 38,000 |
| Mobile County Alabama | 3 | $ 615,000 | $ 205,000 | $ 68,000 |
| Russell County Alabama | 3 | $ 593,000 | $ 197,000 | $ 83,000 |
| Tuscaloosa County Alabama | 3 | $ 465,000 | $ 155,000 | $ 54,000 |
| Escambia County Florida | 3 | $ 282,000 | $ 94,000 | $ 40,000 |
| Polk County Florida | 3 | $ 323,000 | $ 107,000 | $ 54,000 |
| Floyd County Georgia | 3 | $ 383,000 | $ 127,000 | $ 36,000 |
| Newton County Georgia | 3 | $ 369,000 | $ 123,000 | $ 44,000 |
| Paulding County Georgia | 3 | $ 333,000 | $ 111,000 | $ 53,000 |
| Tate County Mississippi | 3 | $ 342,000 | $ 114,000 | $ 60,000 |
| Cumberland County North Carolina | 3 | $ 396,000 | $ 132,000 | $ 45,000 |
| Guilford County North Carolina | 3 | $ 422,000 | $ 140,000 | $ 58,000 |
| Cheatham County Tennessee | 3 | $ 337,000 | $ 112,000 | $ 50,000 |
| Greene County Tennessee | 3 | $ 327,000 | $ 109,000 | $ 41,000 |
| Williamson County Tennessee | 3 | $ 971,000 | $ 323,000 | $ 109,000 |
| Covington County Alabama | 2 | $ 265,000 | $ 132,000 | $ 43,000 |
| Lee County Alabama | 2 | $ 369,000 | $ 184,000 | $ 60,000 |
| Collier County Florida | 2 | $ 286,000 | $ 143,000 | $ 44,000 |
| Osceola County Florida | 2 | $ 217,000 | $ 108,000 | $ 47,000 |
| Chatham County Georgia | 2 | $ 231,000 | $ 115,000 | $ 33,000 |
| Columbia County Georgia | 2 | $ 399,000 | $ 199,000 | $ 67,000 |
| Crisp County Georgia | 2 | $ 180,000 | $ 90,000 | $ 63,000 |
| Douglas County Georgia | 2 | $ 231,000 | $ 115,000 | $ 35,000 |
| Glynn County Georgia | 2 | $ 282,000 | $ 141,000 | $ 50,000 |
| Macon County Georgia | 2 | $ 304,000 | $ 152,000 | $ 77,000 |
| Richmond County Georgia | 2 | $ 211,000 | $ 105,000 | $ 35,000 |
| Rockdale County Georgia | 2 | $ 465,000 | $ 232,000 | $ 72,000 |
| Panola County Mississippi | 2 | $ 251,000 | $ 125,000 | $ 52,000 |
| Jasper County Missouri | 2 | $ 252,000 | $ 126,000 | $ 58,000 |
| Hoke County North Carolina | 2 | $ 325,000 | $ 162,000 | $ 68,000 |
| Lee County North Carolina | 2 | $ 323,000 | $ 161,000 | $ 50,000 |
| Union County North Carolina | 2 | $ 318,000 | $ 159,000 | $ 52,000 |
| Darlington County South Carolina | 2 | $ 261,000 | $ 130,000 | $ 60,000 |
| Dorchester County South Carolina | 2 | $ 216,000 | $ 108,000 | $ 31,000 |
| Marion County South Carolina | 2 | $ 356,000 | $ 178,000 | $ 42,000 |
| Sumter County South Carolina | 2 | $ 228,000 | $ 114,000 | $ 41,000 |
| York County South Carolina | 2 | $ 314,000 | $ 157,000 | $ 55,000 |
| Anderson County Tennessee | 2 | $ 294,000 | $ 147,000 | $ 74,000 |
| Fentress County Tennessee | 2 | $ 255,000 | $ 127,000 | $ 30,000 |
| Sevier County Tennessee | 2 | $ 277,000 | $ 138,000 | $ 50,000 |
| Tipton County Tennessee | 2 | $ 393,000 | $ 196,000 | $ 60,000 |
| Wilson County Tennessee | 2 | $ 214,000 | $ 107,000 | $ 37,000 |
| Barbour County Alabama | 1 | $ 129,000 | $ 129,000 | $ 27,000 |
| Bibb County Alabama | 1 | $ 148,000 | $ 148,000 | $ 30,000 |
| Cleburne County Alabama | 1 | $ 210,000 | $ 210,000 | $ 70,000 |
| Coffee County Alabama | 1 | $ 226,000 | $ 226,000 | $ 80,000 |
| Etowah County Alabama | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Houston County Alabama | 1 | $ 73,000 | $ 73,000 | $ 25,000 |
| Lauderdale County Alabama | 1 | $ 129,000 | $ 129,000 | $ 35,000 |
| Limestone County Alabama | 1 | $ 237,000 | $ 237,000 | $ 70,000 |
| Madison County Alabama | 1 | $ 81,000 | $ 81,000 | $ 19,000 |
| Marshall County Alabama | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Morgan County Alabama | 1 | $ 110,000 | $ 110,000 | $ 35,000 |
| Alachua County Florida | 1 | $ 187,000 | $ 187,000 | $ 87,000 |
| Gilchrist County Florida | 1 | $ 91,000 | $ 91,000 | $ 53,000 |
| Palm Beach County Florida | 1 | $ 217,000 | $ 217,000 | $ 150,000 |
| Pasco County Florida | 1 | $ 97,000 | $ 97,000 | $ 34,000 |
| Bryan County Georgia | 1 | $ 197,000 | $ 197,000 | $ 47,000 |
| Bulloch County Georgia | 1 | $ 193,000 | $ 193,000 | $ 44,000 |
| Carroll County Georgia | 1 | $ 160,000 | $ 160,000 | $ 162,000 |
| Catoosa County Georgia | 1 | $ 143,000 | $ 143,000 | $ 50,000 |
| Coffee County Georgia | 1 | $ 114,000 | $ 114,000 | $ 35,000 |
| Colquitt County Georgia | 1 | $ 65,000 | $ 65,000 | $ 19,000 |
| Dawson County Georgia | 1 | $ 191,000 | $ 191,000 | $ 60,000 |
| Elbert County Georgia | 1 | $ 230,000 | $ 230,000 | $ 70,000 |
| Fannin County Georgia | 1 | $ 276,000 | $ 276,000 | $ 63,000 |
| Habersham County Georgia | 1 | $ 224,000 | $ 224,000 | $ 47,000 |
| Haralson County Georgia | 1 | $ 157,000 | $ 157,000 | $ 55,000 |
| Harris County Georgia | 1 | $ 241,000 | $ 241,000 | $ 75,000 |
| Hart County Georgia | 1 | $ 98,000 | $ 98,000 | $ 35,000 |
| Henry County Georgia | 1 | $ 97,000 | $ 97,000 | $ 43,000 |
| Jones County Georgia | 1 | $ 220,000 | $ 220,000 | $ 80,000 |
| Lumpkin County Georgia | 1 | $ 138,000 | $ 138,000 | $ 34,000 |
| Meriwether County Georgia | 1 | $ 111,000 | $ 111,000 | $ 40,000 |
| Monroe County Georgia | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Muscogee County Georgia | 1 | $ 119,000 | $ 119,000 | $ 40,000 |
| Peach County Georgia | 1 | $ 118,000 | $ 118,000 | $ 41,000 |
| Thomas County Georgia | 1 | $ 243,000 | $ 243,000 | $ 75,000 |
| Troup County Georgia | 1 | $ 102,000 | $ 102,000 | $ 42,000 |
| Union County Georgia | 1 | $ 118,000 | $ 118,000 | $ 30,000 |
| Walker County Georgia | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Wayne County Georgia | 1 | $ 82,000 | $ 82,000 | $ 25,000 |
| Hawaii County Hawaii | 1 | $ 393,000 | $ 393,000 | $ 125,000 |
| Grenada County Mississippi | 1 | $ 110,000 | $ 110,000 | $ 77,000 |
| Warren County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Barry County Missouri | 1 | $ 215,000 | $ 215,000 | $ 11,000 |
| Cabarrus County North Carolina | 1 | $ 167,000 | $ 167,000 | $ 60,000 |
| Camden County North Carolina | 1 | $ 183,000 | $ 183,000 | $ 55,000 |
| Davidson County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Edgecombe County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 66,000 |
| Forsyth County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Franklin County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Gaston County North Carolina | 1 | $ 201,000 | $ 201,000 | $ 65,000 |
| Iredell County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Johnston County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 41,000 |
| Pender County North Carolina | 1 | $ 364,000 | $ 364,000 | $ 150,000 |
| Stanly County North Carolina | 1 | $ 182,000 | $ 182,000 | $ 65,000 |
| Cuyahoga County Ohio | 1 | $ 151,000 | $ 151,000 | $ 78,000 |
| Anderson County South Carolina | 1 | $ 96,000 | $ 96,000 | $ 24,000 |
| Berkeley County South Carolina | 1 | $ 84,000 | $ 84,000 | $ 31,000 |
| Charleston County South Carolina | 1 | $ 187,000 | $ 187,000 | $ 60,000 |
| Horry County South Carolina | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Newberry County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 29,000 |
| Oconee County South Carolina | 1 | $ 98,000 | $ 98,000 | $ 35,000 |
| Orangeburg County South Carolina | 1 | $ 102,000 | $ 102,000 | $ 64,000 |
| Spartanburg County South Carolina | 1 | $ 241,000 | $ 241,000 | $ 70,000 |
| Cannon County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Coffee County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Franklin County Tennessee | 1 | $ 111,000 | $ 111,000 | $ 35,000 |
| Hamblen County Tennessee | 1 | $ 138,000 | $ 138,000 | $ 35,000 |
| Henry County Tennessee | 1 | $ 178,000 | $ 178,000 | $ 65,000 |
| Jefferson County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 51,000 |
| Knox County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 55,000 |
| Lawrence County Tennessee | 1 | $ 147,000 | $ 147,000 | $ 64,000 |
| Maury County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 15,000 |
| McNairy County Tennessee | 1 | $ 73,000 | $ 73,000 | $ 23,000 |
| Morgan County Tennessee | 1 | $ 121,000 | $ 121,000 | $ 37,000 |
| Overton County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Sequatchie County Tennessee | 1 | $ 207,000 | $ 207,000 | $ 41,000 |
| Warren County Tennessee | 1 | $ 118,000 | $ 118,000 | $ 50,000 |
| Harris County Texas | 1 | $ 763,000 | $ 763,000 | $ 410,000 |
| Kerr County Texas | 1 | $ 123,000 | $ 123,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Southpoint Financial Services, Inc. in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 406 | $67,702,000 | $166,000 | $910,000 | $65,000 | $463,000 |
| Home Purchase | 325 | $44,004,000 | $135,000 | $417,000 | $55,000 | $512,000 |
| Home Improvement | 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 | 505 | $77,800,000 | $154,000 | $910,000 | $62,000 | $512,000 |
| Black or African American | 159 | $22,847,000 | $143,000 | $295,000 | $52,000 | $145,000 |
| Hispanic | 23 | $2,817,000 | $122,000 | $393,000 | $50,000 | $136,000 |
| Asian | 23 | $4,083,000 | $177,000 | $310,000 | $87,000 | $461,000 |
| Not Provided | 19 | $3,869,000 | $203,000 | $625,000 | $62,000 | $175,000 |
| American Indian or Alaskan Native | 1 | $130,000 | $130,000 | $130,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $160,000 | $160,000 | $160,000 | $162,000 | $162,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 401 | $59,868,000 | $149,000 | $625,000 | $55,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 204 | $32,184,000 | $157,000 | $393,000 | $61,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 65 | $7,879,000 | $121,000 | $295,000 | $44,000 | $137,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 61 | $11,775,000 | $193,000 | $910,000 | $114,000 | $512,000 |
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 | 723 | $110,663,000 | $153,000 | $910,000 | $61,000 | $512,000 |
| Application Denied By Financial Institution | 3 | $417,000 | $139,000 | $168,000 | $42,000 | $59,000 |
| Application Withdrawn By Applicant | 2 | $332,000 | $166,000 | $230,000 | $71,000 | $110,000 |
| Application Approved But Not Accepted | 2 | $157,000 | $78,000 | $83,000 | $21,000 | $26,000 |
| Preapproval Denied by Financial Institution | 1 | $137,000 | $137,000 | $137,000 | $28,000 | $28,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $139,000 | $139,000 | $139,000 | $32,000 | $32,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 Financial Services, Inc.'s 2010 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 Financial Services, Inc.'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.
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