Southpoint Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Southpoint Financial Services, Inc. 2013 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 | 805 |
| Total Mortgage Loan Application Amount | $129,837,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $735,000 |
| Average Applicant Income | $63,500 |
| Highest Applicant Income | $317,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gwinnett County Georgia | 69 | $ 12,071,000 | $ 174,000 | $ 78,000 |
| Fulton County Georgia | 57 | $ 12,510,000 | $ 219,000 | $ 91,000 |
| DeKalb County Georgia | 47 | $ 7,652,000 | $ 162,000 | $ 64,000 |
| Cobb County Georgia | 46 | $ 8,504,000 | $ 184,000 | $ 77,000 |
| Greenwood County South Carolina | 32 | $ 4,048,000 | $ 126,000 | $ 47,000 |
| DeSoto County Mississippi | 26 | $ 3,407,000 | $ 131,000 | $ 46,000 |
| Coweta County Georgia | 23 | $ 3,382,000 | $ 147,000 | $ 63,000 |
| Santa Rosa County Florida | 22 | $ 3,950,000 | $ 179,000 | $ 54,000 |
| Cherokee County Georgia | 20 | $ 3,606,000 | $ 180,000 | $ 78,000 |
| Henry County Georgia | 20 | $ 3,352,000 | $ 167,000 | $ 72,000 |
| Forsyth County Georgia | 18 | $ 3,139,000 | $ 174,000 | $ 96,000 |
| Chatham County Georgia | 15 | $ 2,806,000 | $ 187,000 | $ 63,000 |
| Abbeville County South Carolina | 12 | $ 1,476,000 | $ 123,000 | $ 51,000 |
| Douglas County Georgia | 10 | $ 1,624,000 | $ 162,000 | $ 67,000 |
| Fayette County Georgia | 10 | $ 1,623,000 | $ 162,000 | $ 79,000 |
| Paulding County Georgia | 10 | $ 1,390,000 | $ 139,000 | $ 61,000 |
| McMinn County Tennessee | 10 | $ 914,000 | $ 91,000 | $ 42,000 |
| Clayton County Georgia | 9 | $ 1,098,000 | $ 122,000 | $ 56,000 |
| Greene County Tennessee | 9 | $ 1,147,000 | $ 127,000 | $ 50,000 |
| Carroll County Georgia | 8 | $ 1,044,000 | $ 130,000 | $ 59,000 |
| Harris County Georgia | 8 | $ 1,154,000 | $ 144,000 | $ 68,000 |
| Muscogee County Georgia | 8 | $ 1,493,000 | $ 186,000 | $ 77,000 |
| Polk County Florida | 7 | $ 798,000 | $ 114,000 | $ 51,000 |
| Columbia County Georgia | 7 | $ 1,466,000 | $ 209,000 | $ 93,000 |
| Florence County South Carolina | 7 | $ 971,000 | $ 138,000 | $ 66,000 |
| Orangeburg County South Carolina | 7 | $ 814,000 | $ 116,000 | $ 52,000 |
| Houston County Georgia | 6 | $ 1,426,000 | $ 237,000 | $ 101,000 |
| Jackson County Georgia | 6 | $ 763,000 | $ 127,000 | $ 53,000 |
| Barrow County Georgia | 5 | $ 899,000 | $ 179,000 | $ 67,000 |
| Dougherty County Georgia | 5 | $ 675,000 | $ 135,000 | $ 69,000 |
| Effingham County Georgia | 5 | $ 978,000 | $ 195,000 | $ 84,000 |
| Hall County Georgia | 5 | $ 940,000 | $ 188,000 | $ 61,000 |
| Lowndes County Georgia | 5 | $ 869,000 | $ 173,000 | $ 68,000 |
| Meriwether County Georgia | 5 | $ 483,000 | $ 96,000 | $ 56,000 |
| Newton County Georgia | 5 | $ 788,000 | $ 157,000 | $ 48,000 |
| Pickens County Georgia | 5 | $ 792,000 | $ 158,000 | $ 80,000 |
| Richmond County Georgia | 5 | $ 812,000 | $ 162,000 | $ 72,000 |
| Rockdale County Georgia | 5 | $ 757,000 | $ 151,000 | $ 57,000 |
| Walton County Georgia | 5 | $ 847,000 | $ 169,000 | $ 65,000 |
| Wake County North Carolina | 5 | $ 1,134,000 | $ 226,000 | $ 87,000 |
| Okaloosa County Florida | 4 | $ 635,000 | $ 158,000 | $ 59,000 |
| Bibb County Georgia | 4 | $ 509,000 | $ 127,000 | $ 46,000 |
| Bryan County Georgia | 4 | $ 763,000 | $ 190,000 | $ 62,000 |
| Catoosa County Georgia | 4 | $ 628,000 | $ 157,000 | $ 68,000 |
| Glynn County Georgia | 4 | $ 542,000 | $ 135,000 | $ 47,000 |
| Gordon County Georgia | 4 | $ 705,000 | $ 176,000 | $ 87,000 |
| Liberty County Georgia | 4 | $ 889,000 | $ 222,000 | $ 73,000 |
| Troup County Georgia | 4 | $ 579,000 | $ 144,000 | $ 52,000 |
| Walker County Georgia | 4 | $ 663,000 | $ 165,000 | $ 66,000 |
| Guilford County North Carolina | 4 | $ 656,000 | $ 164,000 | $ 71,000 |
| Mecklenburg County North Carolina | 4 | $ 711,000 | $ 177,000 | $ 72,000 |
| Onslow County North Carolina | 4 | $ 669,000 | $ 167,000 | $ 91,000 |
| Hamilton County Tennessee | 4 | $ 296,000 | $ 74,000 | $ 20,000 |
| Shelby County Tennessee | 4 | $ 557,000 | $ 139,000 | $ 69,000 |
| Houston County Alabama | 3 | $ 384,000 | $ 128,000 | $ 52,000 |
| Bulloch County Georgia | 3 | $ 402,000 | $ 134,000 | $ 55,000 |
| Heard County Georgia | 3 | $ 257,000 | $ 85,000 | $ 43,000 |
| Jones County Georgia | 3 | $ 598,000 | $ 199,000 | $ 70,000 |
| Lumpkin County Georgia | 3 | $ 291,000 | $ 97,000 | $ 59,000 |
| Putnam County Georgia | 3 | $ 470,000 | $ 156,000 | $ 74,000 |
| Cumberland County North Carolina | 3 | $ 554,000 | $ 184,000 | $ 70,000 |
| Davidson County Tennessee | 3 | $ 570,000 | $ 190,000 | $ 64,000 |
| Clay County Florida | 2 | $ 296,000 | $ 148,000 | $ 46,000 |
| Escambia County Florida | 2 | $ 274,000 | $ 137,000 | $ 84,000 |
| Hillsborough County Florida | 2 | $ 312,000 | $ 156,000 | $ 46,000 |
| Orange County Florida | 2 | $ 604,000 | $ 302,000 | $ 81,000 |
| Osceola County Florida | 2 | $ 300,000 | $ 150,000 | $ 37,000 |
| Camden County Georgia | 2 | $ 373,000 | $ 186,000 | $ 87,000 |
| Dawson County Georgia | 2 | $ 272,000 | $ 136,000 | $ 53,000 |
| Gilmer County Georgia | 2 | $ 584,000 | $ 292,000 | $ 113,000 |
| Grady County Georgia | 2 | $ 254,000 | $ 127,000 | $ 49,000 |
| Lee County Georgia | 2 | $ 263,000 | $ 131,000 | $ 54,000 |
| Monroe County Georgia | 2 | $ 129,000 | $ 64,000 | $ 36,000 |
| Morgan County Georgia | 2 | $ 299,000 | $ 149,000 | $ 49,000 |
| Thomas County Georgia | 2 | $ 234,000 | $ 117,000 | $ 74,000 |
| White County Georgia | 2 | $ 239,000 | $ 119,000 | $ 36,000 |
| Whitfield County Georgia | 2 | $ 208,000 | $ 104,000 | $ 51,000 |
| Alamance County North Carolina | 2 | $ 236,000 | $ 118,000 | $ 56,000 |
| Forsyth County North Carolina | 2 | $ 335,000 | $ 167,000 | $ 67,000 |
| Gaston County North Carolina | 2 | $ 284,000 | $ 142,000 | $ 54,000 |
| Johnston County North Carolina | 2 | $ 366,000 | $ 183,000 | $ 54,000 |
| Pasquotank County North Carolina | 2 | $ 308,000 | $ 154,000 | $ 67,000 |
| Darlington County South Carolina | 2 | $ 175,000 | $ 87,000 | $ 37,000 |
| Laurens County South Carolina | 2 | $ 452,000 | $ 226,000 | $ 76,000 |
| Knox County Tennessee | 2 | $ 376,000 | $ 188,000 | $ 37,000 |
| Sequatchie County Tennessee | 2 | $ 217,000 | $ 108,000 | $ 87,000 |
| Sumner County Tennessee | 2 | $ 264,000 | $ 132,000 | $ 43,000 |
| Brevard County Florida | 1 | $ 274,000 | $ 274,000 | $ 53,000 |
| Marion County Florida | 1 | $ 56,000 | $ 56,000 | $ 24,000 |
| Pasco County Florida | 1 | $ 88,000 | $ 88,000 | $ 44,000 |
| Pinellas County Florida | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Sarasota County Florida | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| St. Johns County Florida | 1 | $ 264,000 | $ 264,000 | $ 95,000 |
| Sumter County Florida | 1 | $ 159,000 | $ 159,000 | $ 66,000 |
| Volusia County Florida | 1 | $ 64,000 | $ 64,000 | $ 33,000 |
| Appling County Georgia | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Bartow County Georgia | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Butts County Georgia | 1 | $ 186,000 | $ 186,000 | $ 52,000 |
| Charlton County Georgia | 1 | $ 118,000 | $ 118,000 | $ 52,000 |
| Clarke County Georgia | 1 | $ 71,000 | $ 71,000 | $ 42,000 |
| Elbert County Georgia | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Fannin County Georgia | 1 | $ 186,000 | $ 186,000 | $ 72,000 |
| Franklin County Georgia | 1 | $ 162,000 | $ 162,000 | $ 84,000 |
| Glascock County Georgia | 1 | $ 117,000 | $ 117,000 | $ 66,000 |
| Hart County Georgia | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Jasper County Georgia | 1 | $ 178,000 | $ 178,000 | $ 90,000 |
| Lincoln County Georgia | 1 | $ 107,000 | $ 107,000 | $ 21,000 |
| McIntosh County Georgia | 1 | $ 109,000 | $ 109,000 | $ 55,000 |
| Miller County Georgia | 1 | $ 61,000 | $ 61,000 | $ 35,000 |
| Montgomery County Georgia | 1 | $ 176,000 | $ 176,000 | $ 122,000 |
| Murray County Georgia | 1 | $ 121,000 | $ 121,000 | $ 34,000 |
| Oconee County Georgia | 1 | $ 297,000 | $ 297,000 | $ 92,000 |
| Peach County Georgia | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Quitman County Georgia | 1 | $ 103,000 | $ 103,000 | $ 49,000 |
| Seminole County Georgia | 1 | $ 304,000 | $ 304,000 | $ 61,000 |
| Spalding County Georgia | 1 | $ 131,000 | $ 131,000 | $ 62,000 |
| Talbot County Georgia | 1 | $ 104,000 | $ 104,000 | $ 32,000 |
| Tift County Georgia | 1 | $ 220,000 | $ 220,000 | $ 81,000 |
| Towns County Georgia | 1 | $ 226,000 | $ 226,000 | $ 55,000 |
| Treutlen County Georgia | 1 | $ 158,000 | $ 158,000 | $ 43,000 |
| Washington County Georgia | 1 | $ 132,000 | $ 132,000 | $ 63,000 |
| Wheeler County Georgia | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Worth County Georgia | 1 | $ 170,000 | $ 170,000 | $ 88,000 |
| Tate County Mississippi | 1 | $ 58,000 | $ 58,000 | $ 30,000 |
| Buncombe County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 76,000 |
| Burke County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 43,000 |
| Cabarrus County North Carolina | 1 | $ 92,000 | $ 92,000 | $ 41,000 |
| Catawba County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Davidson County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Durham County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Harnett County North Carolina | 1 | $ 244,000 | $ 244,000 | $ 102,000 |
| Iredell County North Carolina | 1 | $ 256,000 | $ 256,000 | $ 124,000 |
| Lincoln County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 34,000 |
| Moore County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 69,000 |
| New Hanover County North Carolina | 1 | $ 129,000 | $ 129,000 | $ 43,000 |
| Stokes County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 54,000 |
| Union County North Carolina | 1 | $ 327,000 | $ 327,000 | $ 100,000 |
| Warren County North Carolina | 1 | $ 190,000 | $ 190,000 | $ 60,000 |
| Anderson County South Carolina | 1 | $ 113,000 | $ 113,000 | $ 44,000 |
| Beaufort County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Charleston County South Carolina | 1 | $ 162,000 | $ 162,000 | $ 85,000 |
| Dorchester County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Horry County South Carolina | 1 | $ 381,000 | $ 381,000 | $ 65,000 |
| McCormick County South Carolina | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Newberry County South Carolina | 1 | $ 81,000 | $ 81,000 | $ 38,000 |
| Oconee County South Carolina | 1 | $ 21,000 | $ 21,000 | $ 15,000 |
| Sumter County South Carolina | 1 | $ 58,000 | $ 58,000 | $ 19,000 |
| Williamsburg County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Bradley County Tennessee | 1 | $ 134,000 | $ 134,000 | $ 62,000 |
| Cheatham County Tennessee | 1 | $ 168,000 | $ 168,000 | $ 43,000 |
| Fayette County Tennessee | 1 | $ 138,000 | $ 138,000 | $ 59,000 |
| Humphreys County Tennessee | 1 | $ 97,000 | $ 97,000 | $ 24,000 |
| Macon County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Monroe County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 47,000 |
| Montgomery County Tennessee | 1 | $ 121,000 | $ 121,000 | $ 66,000 |
| Putnam County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Rhea County Tennessee | 1 | $ 79,000 | $ 79,000 | $ 27,000 |
| Roane County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 26,000 |
| Sevier County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 51,000 |
| Trousdale County Tennessee | 1 | $ 66,000 | $ 66,000 | $ 18,000 |
| Collin County Texas | 1 | $ 159,000 | $ 159,000 | $ 53,000 |
| Dallas County Texas | 1 | $ 69,000 | $ 69,000 | $ 63,000 |
| Galveston County Texas | 1 | $ 101,000 | $ 101,000 | $ 55,000 |
| Harris County Texas | 1 | $ 122,000 | $ 122,000 | $ 40,000 |
| Tarrant County Texas | 1 | $ 154,000 | $ 154,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Southpoint Financial Services, Inc. in 2013
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 | 496 | $86,425,000 | $174,000 | $735,000 | $74,000 | $317,000 |
| Home Purchase | 309 | $43,412,000 | $140,000 | $396,000 | $53,000 | $196,000 |
| 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 | 482 | $79,921,000 | $165,000 | $735,000 | $67,000 | $317,000 |
| Black or African American | 195 | $30,143,000 | $154,000 | $381,000 | $64,000 | $204,000 |
| Not Provided | 90 | $13,344,000 | $148,000 | $334,000 | $65,000 | $150,000 |
| Hispanic | 30 | $4,585,000 | $152,000 | $273,000 | $69,000 | $130,000 |
| Asian | 7 | $1,568,000 | $224,000 | $331,000 | $90,000 | $196,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $276,000 | $276,000 | $276,000 | $97,000 | $97,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 316 | $45,253,000 | $143,000 | $381,000 | $61,000 | $204,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 279 | $51,024,000 | $182,000 | $735,000 | $77,000 | $317,000 |
| VA-guaranteed (Veterans Administration) | 134 | $24,759,000 | $184,000 | $417,000 | $71,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $8,801,000 | $115,000 | $220,000 | $42,000 | $94,000 |
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 | 477 | $74,914,000 | $157,000 | $607,000 | $65,000 | $317,000 |
| Application Withdrawn By Applicant | 261 | $44,271,000 | $169,000 | $735,000 | $69,000 | $231,000 |
| Application Denied By Financial Institution | 50 | $7,851,000 | $157,000 | $417,000 | $64,000 | $125,000 |
| Application Approved But Not Accepted | 15 | $2,354,000 | $156,000 | $304,000 | $60,000 | $130,000 |
| File Closed For Incompleteness | 2 | $447,000 | $223,000 | $345,000 | $55,000 | $63,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $4,301,000 | $143,000 | $171,000 | $67,000 | $92,000 |
| Debt-To-Income Ratio | 5 | $699,000 | $139,000 | $174,000 | $39,000 | $69,000 |
| Collateral | 5 | $1,022,000 | $204,000 | $417,000 | $65,000 | $122,000 |
| Other | 3 | $670,000 | $223,000 | $327,000 | $65,000 | $100,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southpoint Financial Services, Inc.'s 2013 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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