Southpoint Financial Services, Inc. Mortgage Lending & HMDA Data, 2020
In 2020, Southpoint Financial Services, Inc. of Alpharetta, GA reported 2,076 mortgage applications totaling $467.0 million, up 28% from 2019. The average application was for $224,966, and applicants reported an average income of $83,729. 70% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (555), Orlando-Kissimmee-Sanford, FL (129) and Pensacola-Ferry Pass-Brent, FL (68) (applications in parentheses).
| Mortgage Company & Address | Southpoint Financial Services, Inc. 5955 Shiloh Road East, Suite 200 Alpharetta, GA 30005 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 2,076 |
| Total Mortgage Loan Application Amount | $467,030,000 |
| Average Mortgage Loan Application Amount | $224,966 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $83,729 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Southpoint Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gwinnett, Georgia | 85 | $ 20,275,000 | $ 238,529 | $ 78,000 |
| Orange, Florida | 79 | $ 19,965,000 | $ 252,721 | $ 97,000 |
| Fulton, Georgia | 70 | $ 18,370,000 | $ 262,428 | $ 98,000 |
| Santa Rosa, Florida | 63 | $ 16,155,000 | $ 256,428 | $ 89,000 |
| Cobb, Georgia | 59 | $ 16,085,000 | $ 272,627 | $ 106,000 |
| DeKalb, Georgia | 54 | $ 12,130,000 | $ 224,629 | $ 70,000 |
| Chatham, Georgia | 49 | $ 9,845,000 | $ 200,918 | $ 62,000 |
| Brevard, Florida | 37 | $ 7,845,000 | $ 212,027 | $ 82,000 |
| Clayton, Georgia | 33 | $ 5,425,000 | $ 164,393 | $ 48,000 |
| Upson, Georgia | 33 | $ 4,935,000 | $ 149,545 | $ 84,000 |
| Hillsborough, Florida | 32 | $ 7,780,000 | $ 243,125 | $ 103,000 |
| Forsyth, Georgia | 32 | $ 9,780,000 | $ 305,625 | $ 123,000 |
| Osceola, Florida | 31 | $ 8,915,000 | $ 287,580 | $ 104,000 |
| Henry, Georgia | 29 | $ 7,495,000 | $ 258,448 | $ 98,000 |
| Baldwin, Alabama | 26 | $ 5,940,000 | $ 228,461 | $ 55,000 |
| Coweta, Georgia | 26 | $ 6,270,000 | $ 241,153 | $ 77,000 |
| Cherokee, Georgia | 25 | $ 5,955,000 | $ 238,200 | $ 136,000 |
| Paulding, Georgia | 24 | $ 5,460,000 | $ 227,500 | $ 83,000 |
| Prince William, Virginia | 23 | $ 7,125,000 | $ 309,782 | $ 52,000 |
| Collier, Florida | 22 | $ 7,090,000 | $ 322,272 | $ 130,000 |
| Polk, Florida | 21 | $ 4,765,000 | $ 226,904 | $ 87,000 |
| Douglas, Georgia | 21 | $ 4,515,000 | $ 215,000 | $ 54,000 |
| Fayette, Georgia | 21 | $ 5,285,000 | $ 251,666 | $ 97,000 |
| Lee, Florida | 20 | $ 4,870,000 | $ 243,500 | $ 92,000 |
| Bradford, Florida | 19 | $ 3,675,000 | $ 193,421 | $ 85,000 |
| Broward, Florida | 19 | $ 5,445,000 | $ 286,578 | $ 91,000 |
| Newton, Georgia | 18 | $ 3,270,000 | $ 181,666 | $ 48,000 |
| Dougherty, Georgia | 17 | $ 2,865,000 | $ 168,529 | $ 52,000 |
| Marion, Florida | 16 | $ 2,530,000 | $ 158,125 | $ 54,000 |
| Lake, Florida | 15 | $ 2,985,000 | $ 199,000 | $ 69,000 |
| Jackson, Georgia | 15 | $ 3,195,000 | $ 213,000 | $ 89,000 |
| Palm Beach, Florida | 14 | $ 2,950,000 | $ 210,714 | $ 85,000 |
| Volusia, Florida | 14 | $ 3,320,000 | $ 237,142 | $ 82,000 |
| Coffee, Georgia | 14 | $ 3,210,000 | $ 229,285 | $ 107,000 |
| Effingham, Georgia | 13 | $ 2,765,000 | $ 212,692 | $ 90,000 |
| Hall, Georgia | 13 | $ 3,655,000 | $ 281,153 | $ 105,000 |
| Harris, Texas | 13 | $ 4,065,000 | $ 312,692 | $ 166,000 |
| Fairfax, Virginia | 13 | $ 4,495,000 | $ 345,769 | $ 179,000 |
| Pinellas, Florida | 12 | $ 2,730,000 | $ 227,500 | $ 72,000 |
| Bibb, Georgia | 12 | $ 2,370,000 | $ 197,500 | $ 101,000 |
| Wake, North Carolina | 12 | $ 3,050,000 | $ 254,166 | $ 104,000 |
| Allegheny, Pennsylvania | 12 | $ 1,950,000 | $ 162,500 | $ 75,000 |
| Jefferson, Alabama | 11 | $ 2,135,000 | $ 194,090 | $ 80,000 |
| Sarasota, Florida | 11 | $ 2,855,000 | $ 259,545 | $ 104,000 |
| Rockdale, Georgia | 11 | $ 2,525,000 | $ 229,545 | $ 66,000 |
| Prince George's, Maryland | 11 | $ 3,305,000 | $ 300,454 | $ 54,000 |
| Barrow, Georgia | 10 | $ 1,680,000 | $ 168,000 | $ 51,000 |
| Bulloch, Georgia | 10 | $ 2,030,000 | $ 203,000 | $ 76,000 |
| Laurel, Kentucky | 10 | $ 1,470,000 | $ 147,000 | $ 63,000 |
| Horry, South Carolina | 10 | $ 1,890,000 | $ 189,000 | $ 66,000 |
| Miami-Dade, Florida | 9 | $ 2,445,000 | $ 271,666 | $ 77,000 |
| Okaloosa, Florida | 9 | $ 2,005,000 | $ 222,777 | $ 54,000 |
| Pasco, Florida | 9 | $ 1,725,000 | $ 191,666 | $ 77,000 |
| Toombs, Georgia | 9 | $ 1,555,000 | $ 172,777 | $ 72,000 |
| Mecklenburg, North Carolina | 9 | $ 1,715,000 | $ 190,555 | $ 82,000 |
| Georgetown, South Carolina | 9 | $ 1,455,000 | $ 161,666 | $ 67,000 |
| Carroll, Georgia | 8 | $ 1,400,000 | $ 175,000 | $ 71,000 |
| Monroe, Georgia | 8 | $ 2,320,000 | $ 290,000 | $ 112,000 |
| Orangeburg, South Carolina | 8 | $ 910,000 | $ 113,750 | $ 34,000 |
| Spartanburg, South Carolina | 8 | $ 1,560,000 | $ 195,000 | $ 74,000 |
| Mobile, Alabama | 7 | $ 1,355,000 | $ 193,571 | $ 55,000 |
| Madison, Florida | 7 | $ 755,000 | $ 107,857 | $ 75,000 |
| Bartow, Georgia | 7 | $ 1,335,000 | $ 190,714 | $ 56,000 |
| Baltimore, Maryland | 7 | $ 1,375,000 | $ 196,428 | $ 115,000 |
| Butler, Ohio | 7 | $ 1,555,000 | $ 222,142 | $ 90,000 |
| Cuyahoga, Ohio | 7 | $ 1,065,000 | $ 152,142 | $ 58,000 |
| Franklin, Ohio | 7 | $ 1,375,000 | $ 196,428 | $ 68,000 |
| Bucks, Pennsylvania | 7 | $ 1,435,000 | $ 205,000 | $ 88,000 |
| Florence, South Carolina | 7 | $ 1,125,000 | $ 160,714 | $ 48,000 |
| Sumner, Tennessee | 7 | $ 1,545,000 | $ 220,714 | $ 60,000 |
| Madison, Alabama | 6 | $ 1,590,000 | $ 265,000 | $ 93,000 |
| Charlotte, Florida | 6 | $ 1,000,000 | $ 166,666 | $ 85,000 |
| Duval, Florida | 6 | $ 1,400,000 | $ 233,333 | $ 101,000 |
| Manatee, Florida | 6 | $ 1,620,000 | $ 270,000 | $ 51,000 |
| Nassau, Florida | 6 | $ 2,160,000 | $ 360,000 | $ 120,000 |
| Bryan, Georgia | 6 | $ 1,190,000 | $ 198,333 | $ 80,000 |
| Lee, Georgia | 6 | $ 890,000 | $ 148,333 | $ 49,000 |
| Pulaski, Kentucky | 6 | $ 680,000 | $ 113,333 | $ 36,000 |
| Whitley, Kentucky | 6 | $ 740,000 | $ 123,333 | $ 37,000 |
| Iredell, North Carolina | 6 | $ 1,870,000 | $ 311,666 | $ 98,000 |
| Rutherford, Tennessee | 6 | $ 920,000 | $ 153,333 | $ 58,000 |
| Loudoun, Virginia | 6 | $ 2,360,000 | $ 393,333 | $ 80,000 |
| Shelby, Alabama | 5 | $ 1,305,000 | $ 261,000 | $ 148,000 |
| Tuscaloosa, Alabama | 5 | $ 885,000 | $ 177,000 | $ 71,000 |
| Clay, Florida | 5 | $ 1,005,000 | $ 201,000 | $ 84,000 |
| Escambia, Florida | 5 | $ 855,000 | $ 171,000 | $ 95,000 |
| St. Johns, Florida | 5 | $ 1,355,000 | $ 271,000 | $ 143,000 |
| Houston, Georgia | 5 | $ 995,000 | $ 199,000 | $ 62,000 |
| Knox, Kentucky | 5 | $ 815,000 | $ 163,000 | $ 46,000 |
| Brunswick, North Carolina | 5 | $ 975,000 | $ 195,000 | $ 106,000 |
| Lake, Ohio | 5 | $ 995,000 | $ 199,000 | $ 72,000 |
| Montgomery, Pennsylvania | 5 | $ 1,475,000 | $ 295,000 | $ 140,000 |
| Darlington, South Carolina | 5 | $ 805,000 | $ 161,000 | $ 53,000 |
| Greenville, South Carolina | 5 | $ 1,135,000 | $ 227,000 | $ 87,000 |
| Davidson, Tennessee | 5 | $ 1,035,000 | $ 207,000 | $ 58,000 |
| Bedford, Virginia | 5 | $ 1,165,000 | $ 233,000 | $ 79,000 |
| Cullman, Alabama | 4 | $ 750,000 | $ 187,500 | $ 46,000 |
| Bay, Florida | 4 | $ 780,000 | $ 195,000 | $ 90,000 |
| Putnam, Florida | 4 | $ 590,000 | $ 147,500 | $ 55,000 |
| Seminole, Florida | 4 | $ 1,300,000 | $ 325,000 | $ 71,000 |
| Clarke, Georgia | 4 | $ 520,000 | $ 130,000 | $ 36,000 |
| Floyd, Georgia | 4 | $ 910,000 | $ 227,500 | $ 104,000 |
| Gilmer, Georgia | 4 | $ 830,000 | $ 207,500 | $ 57,000 |
| Pike, Georgia | 4 | $ 600,000 | $ 150,000 | $ 68,000 |
| Spalding, Georgia | 4 | $ 1,260,000 | $ 315,000 | $ 159,000 |
| Walton, Georgia | 4 | $ 790,000 | $ 197,500 | $ 46,000 |
| Buncombe, North Carolina | 4 | $ 710,000 | $ 177,500 | $ 79,000 |
| Forsyth, North Carolina | 4 | $ 810,000 | $ 202,500 | $ 57,000 |
| Gaston, North Carolina | 4 | $ 1,200,000 | $ 300,000 | $ 149,000 |
| Guilford, North Carolina | 4 | $ 1,020,000 | $ 255,000 | $ 65,000 |
| Union, North Carolina | 4 | $ 820,000 | $ 205,000 | $ 57,000 |
| Berks, Pennsylvania | 4 | $ 960,000 | $ 240,000 | $ 98,000 |
| Dauphin, Pennsylvania | 4 | $ 640,000 | $ 160,000 | $ 66,000 |
| Delaware, Pennsylvania | 4 | $ 980,000 | $ 245,000 | $ 75,000 |
| Lancaster, Pennsylvania | 4 | $ 930,000 | $ 232,500 | $ 86,000 |
| Montgomery, Texas | 4 | $ 860,000 | $ 215,000 | $ 118,000 |
| Rockingham, Virginia | 4 | $ 650,000 | $ 162,500 | $ 55,000 |
| Virginia Beach, Virginia | 4 | $ 910,000 | $ 227,500 | $ 64,000 |
| Clarke, Alabama | 3 | $ 465,000 | $ 155,000 | $ 70,000 |
| Alachua, Florida | 3 | $ 585,000 | $ 195,000 | $ 76,000 |
| Hernando, Florida | 3 | $ 435,000 | $ 145,000 | $ 34,000 |
| Sumter, Florida | 3 | $ 565,000 | $ 188,333 | $ 113,000 |
| Walton, Florida | 3 | $ 945,000 | $ 315,000 | $ 120,000 |
| Bleckley, Georgia | 3 | $ 675,000 | $ 225,000 | $ 101,000 |
| Catoosa, Georgia | 3 | $ 555,000 | $ 185,000 | $ 40,000 |
| Charlton, Georgia | 3 | $ 435,000 | $ 145,000 | $ 99,000 |
| Columbia, Georgia | 3 | $ 1,015,000 | $ 338,333 | $ 121,000 |
| Crawford, Georgia | 3 | $ 305,000 | $ 101,666 | $ 142,000 |
| Dawson, Georgia | 3 | $ 765,000 | $ 255,000 | $ 55,000 |
| Dodge, Georgia | 3 | $ 545,000 | $ 181,666 | $ 54,000 |
| Liberty, Georgia | 3 | $ 535,000 | $ 178,333 | $ 55,000 |
| Peach, Georgia | 3 | $ 745,000 | $ 248,333 | $ 136,000 |
| Putnam, Georgia | 3 | $ 465,000 | $ 155,000 | $ 57,000 |
| Richmond, Georgia | 3 | $ 365,000 | $ 121,666 | $ 71,000 |
| Schley, Georgia | 3 | $ 445,000 | $ 148,333 | $ 86,000 |
| Terrell, Georgia | 3 | $ 475,000 | $ 158,333 | $ 81,000 |
| Treutlen, Georgia | 3 | $ 495,000 | $ 165,000 | $ 119,000 |
| Jefferson, Kentucky | 3 | $ 535,000 | $ 178,333 | $ 32,000 |
| Anne Arundel, Maryland | 3 | $ 915,000 | $ 305,000 | $ 130,000 |
| Charles, Maryland | 3 | $ 835,000 | $ 278,333 | $ 48,000 |
| Washington, Maryland | 3 | $ 815,000 | $ 271,666 | $ 79,000 |
| Durham, North Carolina | 3 | $ 435,000 | $ 145,000 | $ 73,000 |
| Henderson, North Carolina | 3 | $ 655,000 | $ 218,333 | $ 65,000 |
| Johnston, North Carolina | 3 | $ 535,000 | $ 178,333 | $ 100,000 |
| Delaware, Ohio | 3 | $ 1,035,000 | $ 345,000 | $ 83,000 |
| Medina, Ohio | 3 | $ 475,000 | $ 158,333 | $ 59,000 |
| Montgomery, Ohio | 3 | $ 435,000 | $ 145,000 | $ 67,000 |
| Muskingum, Ohio | 3 | $ 465,000 | $ 155,000 | $ 69,000 |
| York, Pennsylvania | 3 | $ 455,000 | $ 151,666 | $ 63,000 |
| Aiken, South Carolina | 3 | $ 615,000 | $ 205,000 | $ 84,000 |
| Lancaster, South Carolina | 3 | $ 535,000 | $ 178,333 | $ 58,000 |
| York, South Carolina | 3 | $ 575,000 | $ 191,666 | $ 57,000 |
| Robertson, Tennessee | 3 | $ 595,000 | $ 198,333 | $ 55,000 |
| Shelby, Tennessee | 3 | $ 755,000 | $ 251,666 | $ 133,000 |
| Fort Bend, Texas | 3 | $ 705,000 | $ 235,000 | $ 85,000 |
| Amherst, Virginia | 3 | $ 625,000 | $ 208,333 | $ 69,000 |
| Chesterfield, Virginia | 3 | $ 595,000 | $ 198,333 | $ 97,000 |
| Harrisonburg, Virginia | 3 | $ 635,000 | $ 211,666 | $ 35,000 |
| Norfolk, Virginia | 3 | $ 475,000 | $ 158,333 | $ 73,000 |
| Stafford, Virginia | 3 | $ 935,000 | $ 311,666 | $ 55,000 |
| York, Virginia | 3 | $ 615,000 | $ 205,000 | $ 51,000 |
| Blount, Alabama | 2 | $ 340,000 | $ 170,000 | $ 92,000 |
| Houston, Alabama | 2 | $ 360,000 | $ 180,000 | $ 87,000 |
| Jackson, Alabama | 2 | $ 300,000 | $ 150,000 | $ 77,000 |
| Lee, Alabama | 2 | $ 500,000 | $ 250,000 | $ 81,000 |
| Montgomery, Alabama | 2 | $ 520,000 | $ 260,000 | $ 80,000 |
| St. Clair, Alabama | 2 | $ 340,000 | $ 170,000 | $ 41,000 |
| Winston, Alabama | 2 | $ 220,000 | $ 110,000 | $ 59,000 |
| Citrus, Florida | 2 | $ 280,000 | $ 140,000 | $ 55,000 |
| Indian River, Florida | 2 | $ 540,000 | $ 270,000 | $ 71,000 |
| Leon, Florida | 2 | $ 270,000 | $ 135,000 | $ 59,000 |
| Union, Florida | 2 | $ 200,000 | $ 100,000 | $ 42,000 |
| Appling, Georgia | 2 | $ 300,000 | $ 150,000 | $ 159,000 |
| Bacon, Georgia | 2 | $ 580,000 | $ 290,000 | $ 90,000 |
| Butts, Georgia | 2 | $ 340,000 | $ 170,000 | $ 66,000 |
| Fannin, Georgia | 2 | $ 400,000 | $ 200,000 | $ 111,000 |
| Franklin, Georgia | 2 | $ 310,000 | $ 155,000 | $ 49,000 |
| Glynn, Georgia | 2 | $ 310,000 | $ 155,000 | $ 60,000 |
| Hart, Georgia | 2 | $ 310,000 | $ 155,000 | $ 110,000 |
| Laurens, Georgia | 2 | $ 240,000 | $ 120,000 | $ 92,000 |
| McIntosh, Georgia | 2 | $ 260,000 | $ 130,000 | $ 46,000 |
| Meriwether, Georgia | 2 | $ 210,000 | $ 105,000 | $ 54,000 |
| Montgomery, Georgia | 2 | $ 570,000 | $ 285,000 | $ 131,000 |
| Stephens, Georgia | 2 | $ 570,000 | $ 285,000 | $ 232,000 |
| Thomas, Georgia | 2 | $ 370,000 | $ 185,000 | $ 46,000 |
| Troup, Georgia | 2 | $ 490,000 | $ 245,000 | $ 139,000 |
| Shelby, Kentucky | 2 | $ 320,000 | $ 160,000 | $ 49,000 |
| Frederick, Maryland | 2 | $ 610,000 | $ 305,000 | $ 106,000 |
| Harford, Maryland | 2 | $ 360,000 | $ 180,000 | $ 68,000 |
| Alamance, North Carolina | 2 | $ 300,000 | $ 150,000 | $ 53,000 |
| Catawba, North Carolina | 2 | $ 370,000 | $ 185,000 | $ 79,000 |
| Craven, North Carolina | 2 | $ 340,000 | $ 170,000 | $ 85,000 |
| Onslow, North Carolina | 2 | $ 350,000 | $ 175,000 | $ 30,000 |
| Pitt, North Carolina | 2 | $ 250,000 | $ 125,000 | $ 66,000 |
| Richmond, North Carolina | 2 | $ 280,000 | $ 140,000 | $ 86,000 |
| Robeson, North Carolina | 2 | $ 300,000 | $ 150,000 | $ 46,000 |
| Ashtabula, Ohio | 2 | $ 270,000 | $ 135,000 | $ 39,000 |
| Hamilton, Ohio | 2 | $ 280,000 | $ 140,000 | $ 43,000 |
| Lorain, Ohio | 2 | $ 560,000 | $ 280,000 | $ 104,000 |
| Portage, Ohio | 2 | $ 510,000 | $ 255,000 | $ 110,000 |
| Trumbull, Ohio | 2 | $ 340,000 | $ 170,000 | $ 95,000 |
| Chester, Pennsylvania | 2 | $ 500,000 | $ 250,000 | $ 71,000 |
| Philadelphia, Pennsylvania | 2 | $ 470,000 | $ 235,000 | $ 104,000 |
| Beaufort, South Carolina | 2 | $ 500,000 | $ 250,000 | $ 112,000 |
| Cheatham, Tennessee | 2 | $ 380,000 | $ 190,000 | $ 19,000 |
| Cumberland, Tennessee | 2 | $ 360,000 | $ 180,000 | $ 72,000 |
| Hamilton, Tennessee | 2 | $ 530,000 | $ 265,000 | $ 163,000 |
| Knox, Tennessee | 2 | $ 390,000 | $ 195,000 | $ 82,000 |
| Sevier, Tennessee | 2 | $ 380,000 | $ 190,000 | $ 70,000 |
| Trousdale, Tennessee | 2 | $ 430,000 | $ 215,000 | $ 53,000 |
| Williamson, Tennessee | 2 | $ 600,000 | $ 300,000 | $ 58,000 |
| Wilson, Tennessee | 2 | $ 810,000 | $ 405,000 | $ 86,000 |
| Bexar, Texas | 2 | $ 380,000 | $ 190,000 | $ 27,000 |
| Brazoria, Texas | 2 | $ 550,000 | $ 275,000 | $ 140,000 |
| Tarrant, Texas | 2 | $ 430,000 | $ 215,000 | $ 68,000 |
| Albemarle, Virginia | 2 | $ 510,000 | $ 255,000 | $ 71,000 |
| Campbell, Virginia | 2 | $ 470,000 | $ 235,000 | $ 68,000 |
| Chesapeake, Virginia | 2 | $ 410,000 | $ 205,000 | $ 41,000 |
| Fluvanna, Virginia | 2 | $ 450,000 | $ 225,000 | $ 44,000 |
| Henrico, Virginia | 2 | $ 550,000 | $ 275,000 | $ 89,000 |
| Portsmouth, Virginia | 2 | $ 380,000 | $ 190,000 | $ 70,000 |
| Roanoke, Virginia | 2 | $ 520,000 | $ 260,000 | $ 54,000 |
| Washington, Virginia | 2 | $ 230,000 | $ 115,000 | $ 85,000 |
| Cherokee, Alabama | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Coffee, Alabama | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Covington, Alabama | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
| DeKalb, Alabama | 1 | $ 105,000 | $ 105,000 | $ 20,000 |
| Etowah, Alabama | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Henry, Alabama | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Lauderdale, Alabama | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Lawrence, Alabama | 1 | $ 195,000 | $ 195,000 | $ 217,000 |
| Limestone, Alabama | 1 | $ 345,000 | $ 345,000 | $ 86,000 |
| Marshall, Alabama | 1 | $ 475,000 | $ 475,000 | $ 247,000 |
| Randolph, Alabama | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
| Russell, Alabama | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Sumter, Alabama | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Tallapoosa, Alabama | 1 | $ 395,000 | $ 395,000 | $ 103,000 |
| Walker, Alabama | 1 | $ 235,000 | $ 235,000 | $ 117,000 |
| Columbia, Florida | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Flagler, Florida | 1 | $ 235,000 | $ 235,000 | $ 171,000 |
| Hendry, Florida | 1 | $ 265,000 | $ 265,000 | $ 93,000 |
| Holmes, Florida | 1 | $ 225,000 | $ 225,000 | $ 98,000 |
| Martin, Florida | 1 | $ 245,000 | $ 245,000 | $ 81,000 |
| Monroe, Florida | 1 | $ 425,000 | $ 425,000 | $ 118,000 |
| St. Lucie, Florida | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Taylor, Florida | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Brantley, Georgia | 1 | $ 115,000 | $ 115,000 | $ 25,000 |
| Candler, Georgia | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Chattooga, Georgia | 1 | $ 445,000 | $ 445,000 | $ 132,000 |
| Decatur, Georgia | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Elbert, Georgia | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Emanuel, Georgia | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| Gordon, Georgia | 1 | $ 355,000 | $ 355,000 | $ 300,000 |
| Grady, Georgia | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Habersham, Georgia | 1 | $ 165,000 | $ 165,000 | $ 26,000 |
| Harris, Georgia | 1 | $ 295,000 | $ 295,000 | $ 140,000 |
| Heard, Georgia | 1 | $ 275,000 | $ 275,000 | $ 58,000 |
| Johnson, Georgia | 1 | $ 185,000 | $ 185,000 | $ 114,000 |
| Lamar, Georgia | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Lowndes, Georgia | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Morgan, Georgia | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Oconee, Georgia | 1 | $ 455,000 | $ 455,000 | $ 360,000 |
| Polk, Georgia | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Screven, Georgia | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Stewart, Georgia | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Sumter, Georgia | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Talbot, Georgia | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Taylor, Georgia | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Tift, Georgia | 1 | $ 285,000 | $ 285,000 | $ 89,000 |
| Walker, Georgia | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Ware, Georgia | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Wayne, Georgia | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Webster, Georgia | 1 | $ 255,000 | $ 255,000 | $ 96,000 |
| Worth, Georgia | 1 | $ 265,000 | $ 265,000 | $ 91,000 |
| Allen, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Bullitt, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Fayette, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Garrard, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Grayson, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Greenup, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Scott, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Warren, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Washington, Kentucky | 1 | $ 335,000 | $ 335,000 | $ 116,000 |
| Wayne, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Baltimore City, Maryland | 1 | $ 185,000 | $ 185,000 | $ 187,000 |
| Calvert, Maryland | 1 | $ 325,000 | $ 325,000 | $ 95,000 |
| Carroll, Maryland | 1 | $ 385,000 | $ 385,000 | $ 196,000 |
| Howard, Maryland | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Montgomery, Maryland | 1 | $ 575,000 | $ 575,000 | $ 266,000 |
| St. Mary's, Maryland | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Wicomico, Maryland | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Avery, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 135,000 |
| Cabarrus, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Carteret, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 54,000 |
| Chatham, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 85,000 |
| Dare, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 133,000 |
| Granville, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 144,000 |
| Halifax, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Harnett, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Jackson, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Macon, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Madison, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Moore, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| New Hanover, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Rockingham, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Stokes, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Surry, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 139,000 |
| Yadkin, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
| Auglaize, Ohio | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Carroll, Ohio | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
| Champaign, Ohio | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Clermont, Ohio | 1 | $ 145,000 | $ 145,000 | $ 88,000 |
| Clinton, Ohio | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Geauga, Ohio | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Greene, Ohio | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Huron, Ohio | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Lucas, Ohio | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Madison, Ohio | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Mahoning, Ohio | 1 | $ 295,000 | $ 295,000 | $ 93,000 |
| Marion, Ohio | 1 | $ 215,000 | $ 215,000 | $ 103,000 |
| Miami, Ohio | 1 | $ 195,000 | $ 195,000 | $ 69,000 |
| Richland, Ohio | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Ross, Ohio | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
| Scioto, Ohio | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Stark, Ohio | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Tuscarawas, Ohio | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Union, Ohio | 1 | $ 305,000 | $ 305,000 | $ 232,000 |
| Wayne, Ohio | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Wood, Ohio | 1 | $ 215,000 | $ 215,000 | $ 88,000 |
| Bradford, Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 88,000 |
| Crawford, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 27,000 |
| Cumberland, Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 161,000 |
| Franklin, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Lawrence, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Luzerne, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Monroe, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Northampton, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Schuylkill, Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 99,000 |
| Washington, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Westmoreland, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Anderson, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Berkeley, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Charleston, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 42,000 |
| Dillon, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Dorchester, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Kershaw, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Laurens, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 67,000 |
| Lexington, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Newberry, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Richland, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Sumter, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Williamsburg, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Bedford, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Blount, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 158,000 |
| Bradley, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| Carter, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| DeKalb, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| Hamblen, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 30,000 |
| Haywood, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 281,000 |
| Jefferson, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 81,000 |
| Loudon, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
| Macon, Tennessee | 1 | $ 425,000 | $ 425,000 | $ 108,000 |
| Madison, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 218,000 |
| Maury, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 70,000 |
| Montgomery, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Putnam, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Sullivan, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Tipton, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Van Buren, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Collin, Texas | 1 | $ 215,000 | $ 215,000 | $ 51,000 |
| Denton, Texas | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| Ector, Texas | 1 | $ 95,000 | $ 95,000 | $ 202,000 |
| Ellis, Texas | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Galveston, Texas | 1 | $ 445,000 | $ 445,000 | $ 180,000 |
| Smith, Texas | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Travis, Texas | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Alexandria, Virginia | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Appomattox, Virginia | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Bland, Virginia | 1 | $ 145,000 | $ 145,000 | $ 129,000 |
| Charlottesville, Virginia | 1 | $ 255,000 | $ 255,000 | $ 156,000 |
| Gloucester, Virginia | 1 | $ 175,000 | $ 175,000 | $ 122,000 |
| Hampton, Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Henry, Virginia | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| James City, Virginia | 1 | $ 215,000 | $ 215,000 | $ 99,000 |
| King George, Virginia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Manassas, Virginia | 1 | $ 275,000 | $ 275,000 | $ 30,000 |
| Montgomery, Virginia | 1 | $ 425,000 | $ 425,000 | $ 114,000 |
| Orange, Virginia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Prince George, Virginia | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Pulaski, Virginia | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Richmond City, Virginia | 1 | $ 215,000 | $ 215,000 | $ 43,000 |
| Roanoke City, Virginia | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Rockbridge, Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Smyth, Virginia | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Southampton, Virginia | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Spotsylvania, Virginia | 1 | $ 305,000 | $ 305,000 | $ 42,000 |
| Suffolk, Virginia | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Sussex, Virginia | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| Winchester, Virginia | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Wise, Virginia | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Southpoint Financial Services, Inc. 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 | 839 | $193,235,000 | $230,000 | $745,000 | $79,000 | $569,000 |
| Refinancing | 719 | $164,455,000 | $228,000 | $1,175,000 | $90,000 | $1,200,000 |
| Cash-out Refinancing | 510 | $109,160,000 | $214,000 | $515,000 | $83,000 | $470,000 |
| Home Improvement | 7 | $175,000 | $25,000 | $145,000 | $61,000 | $80,000 |
| Other Purpose | 1 | $5,000 | $5,000 | $5,000 | $74,000 | $74,000 |
| 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 | 1,267 | $280,235,000 | $221,000 | $745,000 | $88,000 | $569,000 |
| Black or African American | 472 | $102,020,000 | $216,000 | $1,175,000 | $74,000 | $561,000 |
| Hispanic | 171 | $41,935,000 | $245,000 | $515,000 | $74,000 | $1,200,000 |
| Asian | 115 | $30,425,000 | $264,000 | $575,000 | $88,000 | $316,000 |
| Not Provided | 39 | $8,865,000 | $227,000 | $455,000 | $80,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,975,000 | $282,000 | $515,000 | $126,000 | $315,000 |
| American Indian or Alaskan Native | 4 | $1,410,000 | $352,000 | $495,000 | $99,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,116 | $259,740,000 | $232,000 | $1,175,000 | $99,000 | $569,000 |
| FHA-insured (Federal Housing Administration) | 712 | $153,860,000 | $216,000 | $725,000 | $67,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 164 | $40,430,000 | $246,000 | $465,000 | $66,000 | $312,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $13,000,000 | $154,000 | $315,000 | $46,000 | $105,000 |
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 | 1,443 | $323,305,000 | $224,000 | $745,000 | $85,000 | $569,000 |
| Application Withdrawn By Applicant | 605 | $137,385,000 | $227,000 | $1,175,000 | $81,000 | $1,200,000 |
| Application Denied By Financial Institution | 28 | $6,340,000 | $226,000 | $455,000 | $58,000 | $186,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| 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 | 2,048 | $460,690,000 | $224,000 | $1,175,000 | $84,000 | $1,200,000 |
| Other | 10 | $2,170,000 | $217,000 | $415,000 | $43,000 | $102,000 |
| Credit History | 6 | $1,120,000 | $186,000 | $245,000 | $58,000 | $135,000 |
| Debt-To-Income Ratio | 4 | $1,130,000 | $282,000 | $335,000 | $83,000 | $186,000 |
| Collateral | 4 | $800,000 | $200,000 | $255,000 | $69,000 | $89,000 |
| Unverifiable Information | 2 | $580,000 | $290,000 | $455,000 | $65,000 | $96,000 |
| Employment History | 2 | $540,000 | $270,000 | $295,000 | $49,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Financial Services, Inc.'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 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.
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