Southpoint Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Southpoint Financial Services, Inc. 2012 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 | 608 |
| Total Mortgage Loan Application Amount | $85,568,000 |
| Average Mortgage Loan Application Amount | $142,500 |
| Highest Mortgage Loan Application Amount | $447,000 |
| Average Applicant Income | $59,500 |
| Highest Applicant Income | $385,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greenwood County South Carolina | 56 | $ 6,951,000 | $ 124,000 | $ 51,000 |
| DeSoto County Mississippi | 52 | $ 8,075,000 | $ 155,000 | $ 59,000 |
| Fulton County Georgia | 43 | $ 6,552,000 | $ 152,000 | $ 56,000 |
| Gwinnett County Georgia | 25 | $ 3,453,000 | $ 138,000 | $ 60,000 |
| Henry County Georgia | 21 | $ 3,074,000 | $ 146,000 | $ 54,000 |
| Florence County South Carolina | 21 | $ 2,669,000 | $ 127,000 | $ 52,000 |
| Santa Rosa County Florida | 20 | $ 3,567,000 | $ 178,000 | $ 65,000 |
| Orangeburg County South Carolina | 19 | $ 2,496,000 | $ 131,000 | $ 48,000 |
| DeKalb County Georgia | 14 | $ 1,725,000 | $ 123,000 | $ 52,000 |
| Sumner County Tennessee | 14 | $ 2,381,000 | $ 170,000 | $ 73,000 |
| Abbeville County South Carolina | 12 | $ 1,279,000 | $ 106,000 | $ 43,000 |
| Cobb County Georgia | 11 | $ 1,640,000 | $ 149,000 | $ 45,000 |
| Pickens County Georgia | 11 | $ 1,119,000 | $ 101,000 | $ 59,000 |
| Clayton County Georgia | 10 | $ 1,085,000 | $ 108,000 | $ 53,000 |
| Rockdale County Georgia | 10 | $ 1,231,000 | $ 123,000 | $ 61,000 |
| McMinn County Tennessee | 10 | $ 1,311,000 | $ 131,000 | $ 66,000 |
| Shelby County Tennessee | 10 | $ 1,797,000 | $ 179,000 | $ 81,000 |
| Greene County Tennessee | 9 | $ 1,014,000 | $ 112,000 | $ 51,000 |
| Douglas County Georgia | 8 | $ 791,000 | $ 98,000 | $ 41,000 |
| Fayette County Georgia | 8 | $ 1,663,000 | $ 207,000 | $ 61,000 |
| Hall County Georgia | 8 | $ 1,462,000 | $ 182,000 | $ 85,000 |
| Laurens County South Carolina | 8 | $ 1,395,000 | $ 174,000 | $ 87,000 |
| Orange County Florida | 7 | $ 978,000 | $ 139,000 | $ 44,000 |
| Cherokee County Georgia | 7 | $ 1,107,000 | $ 158,000 | $ 60,000 |
| Forsyth County Georgia | 7 | $ 1,290,000 | $ 184,000 | $ 82,000 |
| Osceola County Florida | 6 | $ 703,000 | $ 117,000 | $ 36,000 |
| Chatham County Georgia | 6 | $ 1,255,000 | $ 209,000 | $ 73,000 |
| Hamilton County Tennessee | 6 | $ 808,000 | $ 134,000 | $ 56,000 |
| Catoosa County Georgia | 5 | $ 573,000 | $ 114,000 | $ 47,000 |
| Horry County South Carolina | 5 | $ 392,000 | $ 78,000 | $ 50,000 |
| Jefferson County Alabama | 4 | $ 538,000 | $ 134,000 | $ 64,000 |
| Coweta County Georgia | 4 | $ 502,000 | $ 125,000 | $ 41,000 |
| Crisp County Georgia | 4 | $ 419,000 | $ 104,000 | $ 61,000 |
| Newton County Georgia | 4 | $ 479,000 | $ 119,000 | $ 43,000 |
| Paulding County Georgia | 4 | $ 446,000 | $ 111,000 | $ 44,000 |
| Darlington County South Carolina | 4 | $ 539,000 | $ 134,000 | $ 43,000 |
| Lexington County South Carolina | 4 | $ 607,000 | $ 151,000 | $ 72,000 |
| Spartanburg County South Carolina | 4 | $ 333,000 | $ 83,000 | $ 43,000 |
| Harris County Texas | 4 | $ 464,000 | $ 116,000 | $ 57,000 |
| Lake County Florida | 3 | $ 395,000 | $ 131,000 | $ 41,000 |
| Sumter County Florida | 3 | $ 352,000 | $ 117,000 | $ 62,000 |
| Schley County Georgia | 3 | $ 458,000 | $ 152,000 | $ 64,000 |
| Onslow County North Carolina | 3 | $ 738,000 | $ 246,000 | $ 75,000 |
| Roane County Tennessee | 3 | $ 359,000 | $ 119,000 | $ 56,000 |
| Houston County Alabama | 2 | $ 200,000 | $ 100,000 | $ 51,000 |
| Escambia County Florida | 2 | $ 214,000 | $ 107,000 | $ 46,000 |
| Bartow County Georgia | 2 | $ 224,000 | $ 112,000 | $ 47,000 |
| Dawson County Georgia | 2 | $ 263,000 | $ 131,000 | $ 30,000 |
| Dougherty County Georgia | 2 | $ 313,000 | $ 156,000 | $ 46,000 |
| Effingham County Georgia | 2 | $ 309,000 | $ 154,000 | $ 60,000 |
| Floyd County Georgia | 2 | $ 254,000 | $ 127,000 | $ 48,000 |
| Hart County Georgia | 2 | $ 204,000 | $ 102,000 | $ 40,000 |
| Richmond County Georgia | 2 | $ 285,000 | $ 142,000 | $ 94,000 |
| Walker County Georgia | 2 | $ 200,000 | $ 100,000 | $ 33,000 |
| Tate County Mississippi | 2 | $ 223,000 | $ 111,000 | $ 41,000 |
| Cumberland County North Carolina | 2 | $ 299,000 | $ 149,000 | $ 46,000 |
| Anderson County South Carolina | 2 | $ 242,000 | $ 121,000 | $ 37,000 |
| Bamberg County South Carolina | 2 | $ 178,000 | $ 89,000 | $ 62,000 |
| Greenville County South Carolina | 2 | $ 211,000 | $ 105,000 | $ 55,000 |
| Richland County South Carolina | 2 | $ 433,000 | $ 216,000 | $ 44,000 |
| Davidson County Tennessee | 2 | $ 253,000 | $ 126,000 | $ 48,000 |
| Grundy County Tennessee | 2 | $ 232,000 | $ 116,000 | $ 34,000 |
| Montgomery County Tennessee | 2 | $ 292,000 | $ 146,000 | $ 66,000 |
| Smith County Tennessee | 2 | $ 222,000 | $ 111,000 | $ 30,000 |
| Wilson County Tennessee | 2 | $ 331,000 | $ 165,000 | $ 63,000 |
| Fort Bend County Texas | 2 | $ 246,000 | $ 123,000 | $ 60,000 |
| Autauga County Alabama | 1 | $ 87,000 | $ 87,000 | $ 99,000 |
| Coffee County Alabama | 1 | $ 104,000 | $ 104,000 | $ 66,000 |
| Limestone County Alabama | 1 | $ 84,000 | $ 84,000 | $ 70,000 |
| Mobile County Alabama | 1 | $ 91,000 | $ 91,000 | $ 36,000 |
| Shelby County Alabama | 1 | $ 410,000 | $ 410,000 | $ 54,000 |
| St. Clair County Alabama | 1 | $ 141,000 | $ 141,000 | $ 43,000 |
| Walker County Alabama | 1 | $ 309,000 | $ 309,000 | $ 56,000 |
| Broomfield County Colorado | 1 | $ 207,000 | $ 207,000 | $ 65,000 |
| Larimer County Colorado | 1 | $ 183,000 | $ 183,000 | $ 49,000 |
| Leon County Florida | 1 | $ 386,000 | $ 386,000 | $ 62,000 |
| Marion County Florida | 1 | $ 121,000 | $ 121,000 | $ 66,000 |
| Polk County Florida | 1 | $ 98,000 | $ 98,000 | $ 31,000 |
| Taylor County Florida | 1 | $ 74,000 | $ 74,000 | $ 74,000 |
| Bibb County Georgia | 1 | $ 147,000 | $ 147,000 | $ 64,000 |
| Bryan County Georgia | 1 | $ 98,000 | $ 98,000 | $ 49,000 |
| Columbia County Georgia | 1 | $ 294,000 | $ 294,000 | $ 48,000 |
| Glynn County Georgia | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Houston County Georgia | 1 | $ 131,000 | $ 131,000 | $ 54,000 |
| Lee County Georgia | 1 | $ 153,000 | $ 153,000 | $ 49,000 |
| Liberty County Georgia | 1 | $ 96,000 | $ 96,000 | $ 68,000 |
| Marion County Georgia | 1 | $ 139,000 | $ 139,000 | $ 146,000 |
| Monroe County Georgia | 1 | $ 281,000 | $ 281,000 | $ 56,000 |
| Muscogee County Georgia | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Thomas County Georgia | 1 | $ 76,000 | $ 76,000 | $ 25,000 |
| Troup County Georgia | 1 | $ 141,000 | $ 141,000 | $ 58,000 |
| Walton County Georgia | 1 | $ 66,000 | $ 66,000 | $ 25,000 |
| Whitfield County Georgia | 1 | $ 170,000 | $ 170,000 | $ 35,000 |
| Wayne County Kentucky | 1 | $ 107,000 | $ 107,000 | $ 105,000 |
| Marshall County Mississippi | 1 | $ 114,000 | $ 114,000 | $ 31,000 |
| Panola County Mississippi | 1 | $ 224,000 | $ 224,000 | $ 98,000 |
| Durham County North Carolina | 1 | $ 207,000 | $ 207,000 | $ 123,000 |
| Johnston County North Carolina | 1 | $ 139,000 | $ 139,000 | $ 59,000 |
| New Hanover County North Carolina | 1 | $ 131,000 | $ 131,000 | $ 47,000 |
| Sampson County North Carolina | 1 | $ 179,000 | $ 179,000 | $ 85,000 |
| Wake County North Carolina | 1 | $ 121,000 | $ 121,000 | $ 87,000 |
| Wayne County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 87,000 |
| Beaufort County South Carolina | 1 | $ 387,000 | $ 387,000 | $ 175,000 |
| Calhoun County South Carolina | 1 | $ 177,000 | $ 177,000 | $ 85,000 |
| Colleton County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 65,000 |
| Dillon County South Carolina | 1 | $ 92,000 | $ 92,000 | $ 59,000 |
| Marion County South Carolina | 1 | $ 87,000 | $ 87,000 | $ 44,000 |
| McCormick County South Carolina | 1 | $ 61,000 | $ 61,000 | $ 30,000 |
| Oconee County South Carolina | 1 | $ 301,000 | $ 301,000 | $ 385,000 |
| Pickens County South Carolina | 1 | $ 166,000 | $ 166,000 | $ 41,000 |
| Sumter County South Carolina | 1 | $ 164,000 | $ 164,000 | $ 47,000 |
| Blount County Tennessee | 1 | $ 134,000 | $ 134,000 | $ 36,000 |
| Cheatham County Tennessee | 1 | $ 318,000 | $ 318,000 | $ 87,000 |
| Cumberland County Tennessee | 1 | $ 91,000 | $ 91,000 | $ 44,000 |
| Franklin County Tennessee | 1 | $ 82,000 | $ 82,000 | $ 58,000 |
| Hawkins County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Knox County Tennessee | 1 | $ 223,000 | $ 223,000 | $ 65,000 |
| Loudon County Tennessee | 1 | $ 88,000 | $ 88,000 | $ 41,000 |
| Marion County Tennessee | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Maury County Tennessee | 1 | $ 98,000 | $ 98,000 | $ 38,000 |
| Meigs County Tennessee | 1 | $ 163,000 | $ 163,000 | $ 45,000 |
| Rhea County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 82,000 |
| Rutherford County Tennessee | 1 | $ 103,000 | $ 103,000 | $ 31,000 |
| Trousdale County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 70,000 |
| Van Buren County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Washington County Tennessee | 1 | $ 230,000 | $ 230,000 | $ 73,000 |
| White County Tennessee | 1 | $ 69,000 | $ 69,000 | $ 60,000 |
| Bexar County Texas | 1 | $ 72,000 | $ 72,000 | $ 58,000 |
| Montgomery County Texas | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Williamson County Texas | 1 | $ 126,000 | $ 126,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Southpoint Financial Services, Inc. in 2012
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 | 387 | $52,291,000 | $135,000 | $417,000 | $51,000 | $248,000 |
| Refinancing | 221 | $33,277,000 | $150,000 | $447,000 | $68,000 | $385,000 |
| 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 | 344 | $49,708,000 | $144,000 | $441,000 | $61,000 | $385,000 |
| Black or African American | 200 | $27,489,000 | $137,000 | $422,000 | $52,000 | $167,000 |
| Not Provided | 36 | $4,707,000 | $130,000 | $447,000 | $63,000 | $250,000 |
| Hispanic | 15 | $1,673,000 | $111,000 | $184,000 | $35,000 | $52,000 |
| Asian | 12 | $1,910,000 | $159,000 | $275,000 | $47,000 | $76,000 |
| American Indian or Alaskan Native | 1 | $81,000 | $81,000 | $81,000 | $32,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 345 | $47,404,000 | $137,000 | $447,000 | $55,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 106 | $17,237,000 | $162,000 | $441,000 | $65,000 | $248,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $12,057,000 | $123,000 | $255,000 | $41,000 | $85,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 59 | $8,870,000 | $150,000 | $417,000 | $84,000 | $385,000 |
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 | 562 | $78,667,000 | $139,000 | $447,000 | $57,000 | $385,000 |
| Application Withdrawn By Applicant | 19 | $2,722,000 | $143,000 | $318,000 | $56,000 | $167,000 |
| Application Denied By Financial Institution | 17 | $2,393,000 | $140,000 | $310,000 | $48,000 | $102,000 |
| File Closed For Incompleteness | 6 | $879,000 | $146,000 | $266,000 | $78,000 | $135,000 |
| Application Approved But Not Accepted | 4 | $907,000 | $226,000 | $422,000 | $57,000 | $72,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $1,259,000 | $139,000 | $310,000 | $38,000 | $83,000 |
| Credit History | 6 | $758,000 | $126,000 | $199,000 | $46,000 | $85,000 |
| Employment History | 1 | $87,000 | $87,000 | $87,000 | $99,000 | $99,000 |
| 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 2012 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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with aggregated HMDA statistics today.