Southpoint Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Southpoint Financial Services, Inc. 2022 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 | 977 |
| Total Mortgage Loan Application Amount | $260,305,000 |
| Average Mortgage Loan Application Amount | $257,333 |
| Highest Mortgage Loan Application Amount | $2,665,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $3,611,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 44 | $ 14,280,000 | $ 324,000 | $ 117,000 |
| Chatham County Georgia | 38 | $ 11,140,000 | $ 293,000 | $ 93,000 |
| Cobb County Georgia | 32 | $ 10,200,000 | $ 318,000 | $ 99,000 |
| Fulton County Georgia | 32 | $ 9,000,000 | $ 281,000 | $ 111,000 |
| Paulding County Georgia | 28 | $ 8,300,000 | $ 296,000 | $ 86,000 |
| Erie County Pennsylvania | 23 | $ 5,015,000 | $ 218,000 | $ 101,000 |
| DeKalb County Georgia | 21 | $ 5,885,000 | $ 280,000 | $ 85,000 |
| Douglas County Georgia | 21 | $ 6,255,000 | $ 297,000 | $ 92,000 |
| Orange County Florida | 19 | $ 5,755,000 | $ 302,000 | $ 99,000 |
| Dougherty County Georgia | 17 | $ 3,075,000 | $ 180,000 | $ 60,000 |
| Henry County Georgia | 17 | $ 5,945,000 | $ 349,000 | $ 115,000 |
| Santa Rosa County Florida | 16 | $ 4,700,000 | $ 293,000 | $ 171,000 |
| Clayton County Georgia | 16 | $ 3,910,000 | $ 244,000 | $ 68,000 |
| Cherokee County Georgia | 15 | $ 5,315,000 | $ 354,000 | $ 100,000 |
| Forsyth County Georgia | 13 | $ 5,865,000 | $ 451,000 | $ 154,000 |
| Effingham County Georgia | 12 | $ 3,760,000 | $ 313,000 | $ 91,000 |
| Hillsborough County Florida | 10 | $ 2,820,000 | $ 282,000 | $ 111,000 |
| Osceola County Florida | 10 | $ 3,650,000 | $ 365,000 | $ 111,000 |
| Polk County Florida | 10 | $ 2,750,000 | $ 275,000 | $ 68,000 |
| Upson County Georgia | 10 | $ 1,810,000 | $ 181,000 | $ 77,000 |
| Volusia County Florida | 9 | $ 2,405,000 | $ 267,000 | $ 98,000 |
| Coffee County Georgia | 9 | $ 1,685,000 | $ 187,000 | $ 87,000 |
| Fayette County Georgia | 9 | $ 2,455,000 | $ 272,000 | $ 72,000 |
| Grady County Georgia | 9 | $ 2,075,000 | $ 230,000 | $ 98,000 |
| Sumner County Tennessee | 9 | $ 2,965,000 | $ 329,000 | $ 90,000 |
| Pasco County Florida | 8 | $ 2,820,000 | $ 352,000 | $ 107,000 |
| Jefferson County Alabama | 7 | $ 1,425,000 | $ 203,000 | $ 58,000 |
| Okaloosa County Florida | 7 | $ 2,805,000 | $ 400,000 | $ 118,000 |
| Walton County Georgia | 7 | $ 2,125,000 | $ 303,000 | $ 80,000 |
| Prince George's County Maryland | 7 | $ 1,785,000 | $ 255,000 | $ 62,000 |
| Orangeburg County South Carolina | 7 | $ 1,155,000 | $ 165,000 | $ 66,000 |
| Mobile County Alabama | 6 | $ 1,300,000 | $ 216,000 | $ 86,000 |
| Clay County Florida | 6 | $ 1,710,000 | $ 285,000 | $ 97,000 |
| Pinellas County Florida | 6 | $ 1,120,000 | $ 186,000 | $ 50,000 |
| Barrow County Georgia | 6 | $ 1,990,000 | $ 331,000 | $ 79,000 |
| Bibb County Georgia | 6 | $ 1,440,000 | $ 240,000 | $ 98,000 |
| Jackson County Georgia | 6 | $ 1,940,000 | $ 323,000 | $ 79,000 |
| Newton County Georgia | 6 | $ 1,720,000 | $ 286,000 | $ 86,000 |
| Georgetown County South Carolina | 6 | $ 1,010,000 | $ 168,000 | $ 51,000 |
| Bay County Florida | 5 | $ 1,055,000 | $ 211,000 | $ 89,000 |
| Brevard County Florida | 5 | $ 1,165,000 | $ 233,000 | $ 98,000 |
| Seminole County Florida | 5 | $ 1,515,000 | $ 303,000 | $ 75,000 |
| Bartow County Georgia | 5 | $ 1,255,000 | $ 251,000 | $ 98,000 |
| Carroll County Georgia | 5 | $ 1,245,000 | $ 249,000 | $ 73,000 |
| Clarke County Georgia | 5 | $ 1,495,000 | $ 299,000 | $ 129,000 |
| Coweta County Georgia | 5 | $ 1,455,000 | $ 291,000 | $ 109,000 |
| Houston County Georgia | 5 | $ 1,275,000 | $ 255,000 | $ 111,000 |
| Lee County Georgia | 5 | $ 1,235,000 | $ 247,000 | $ 77,000 |
| Treutlen County Georgia | 5 | $ 1,095,000 | $ 219,000 | $ 76,000 |
| Pulaski County Kentucky | 5 | $ 905,000 | $ 181,000 | $ 61,000 |
| Anne Arundel County Maryland | 5 | $ 2,015,000 | $ 403,000 | $ 135,000 |
| Crawford County Pennsylvania | 5 | $ 505,000 | $ 101,000 | $ 73,000 |
| Darlington County South Carolina | 5 | $ 885,000 | $ 177,000 | $ 73,000 |
| Florence County South Carolina | 5 | $ 725,000 | $ 145,000 | $ 42,000 |
| Shelby County Tennessee | 5 | $ 1,055,000 | $ 211,000 | $ 64,000 |
| Virginia Beach County Virginia | 5 | $ 1,275,000 | $ 255,000 | $ 69,000 |
| Marion County Florida | 4 | $ 980,000 | $ 245,000 | $ 46,000 |
| Miami-Dade County Florida | 4 | $ 1,400,000 | $ 350,000 | $ 105,000 |
| Hall County Georgia | 4 | $ 1,130,000 | $ 282,000 | $ 99,000 |
| Liberty County Georgia | 4 | $ 1,000,000 | $ 250,000 | $ 62,000 |
| Montgomery County Georgia | 4 | $ 810,000 | $ 202,000 | $ 81,000 |
| Rockdale County Georgia | 4 | $ 1,250,000 | $ 312,000 | $ 73,000 |
| Wilcox County Georgia | 4 | $ 880,000 | $ 220,000 | $ 67,000 |
| Essex County Massachusetts | 4 | $ 1,490,000 | $ 372,000 | $ 89,000 |
| Gaston County North Carolina | 4 | $ 740,000 | $ 185,000 | $ 48,000 |
| Guilford County North Carolina | 4 | $ 1,040,000 | $ 260,000 | $ 62,000 |
| Cuyahoga County Ohio | 4 | $ 610,000 | $ 152,000 | $ 57,000 |
| Davidson County Tennessee | 4 | $ 860,000 | $ 215,000 | $ 40,000 |
| Chesterfield County Virginia | 4 | $ 940,000 | $ 235,000 | $ 59,000 |
| Madison County Alabama | 3 | $ 515,000 | $ 171,000 | $ 88,000 |
| Marshall County Alabama | 3 | $ 415,000 | $ 138,000 | $ 42,000 |
| Duval County Florida | 3 | $ 915,000 | $ 305,000 | $ 103,000 |
| Escambia County Florida | 3 | $ 575,000 | $ 191,000 | $ 77,000 |
| Jackson County Florida | 3 | $ 435,000 | $ 145,000 | $ 54,000 |
| Lake County Florida | 3 | $ 655,000 | $ 218,000 | $ 77,000 |
| Lee County Florida | 3 | $ 855,000 | $ 285,000 | $ 71,000 |
| Leon County Florida | 3 | $ 435,000 | $ 145,000 | $ 103,000 |
| Madison County Florida | 3 | $ 465,000 | $ 155,000 | $ 61,000 |
| Union County Florida | 3 | $ 675,000 | $ 225,000 | $ 88,000 |
| Murray County Georgia | 3 | $ 535,000 | $ 178,000 | $ 65,000 |
| Spalding County Georgia | 3 | $ 625,000 | $ 208,000 | $ 53,000 |
| Toombs County Georgia | 3 | $ 455,000 | $ 151,000 | $ 65,000 |
| Frederick County Maryland | 3 | $ 805,000 | $ 268,000 | $ 89,000 |
| Forsyth County North Carolina | 3 | $ 605,000 | $ 201,000 | $ 70,000 |
| Lincoln County North Carolina | 3 | $ 655,000 | $ 218,000 | $ 99,000 |
| Wake County North Carolina | 3 | $ 1,075,000 | $ 358,000 | $ 89,000 |
| Hamilton County Ohio | 3 | $ 3,255,000 | $ 1,085,000 | $ 1,616,000 |
| Philadelphia County Pennsylvania | 3 | $ 695,000 | $ 231,000 | $ 48,000 |
| Harris County Texas | 3 | $ 855,000 | $ 285,000 | $ 77,000 |
| Frederick County Virginia | 3 | $ 755,000 | $ 251,000 | $ 56,000 |
| Colbert County Alabama | 2 | $ 300,000 | $ 150,000 | $ 54,000 |
| Covington County Alabama | 2 | $ 280,000 | $ 140,000 | $ 75,000 |
| Dale County Alabama | 2 | $ 160,000 | $ 80,000 | $ 33,000 |
| Lee County Alabama | 2 | $ 450,000 | $ 225,000 | $ 57,000 |
| Montgomery County Alabama | 2 | $ 400,000 | $ 200,000 | $ 117,000 |
| Broward County Florida | 2 | $ 580,000 | $ 290,000 | $ 75,000 |
| Collier County Florida | 2 | $ 1,190,000 | $ 595,000 | $ 214,000 |
| Manatee County Florida | 2 | $ 410,000 | $ 205,000 | $ 52,000 |
| Palm Beach County Florida | 2 | $ 570,000 | $ 285,000 | $ 78,000 |
| Bulloch County Georgia | 2 | $ 340,000 | $ 170,000 | $ 45,000 |
| Floyd County Georgia | 2 | $ 520,000 | $ 260,000 | $ 81,000 |
| Habersham County Georgia | 2 | $ 570,000 | $ 285,000 | $ 101,000 |
| Haralson County Georgia | 2 | $ 380,000 | $ 190,000 | $ 63,000 |
| Harris County Georgia | 2 | $ 640,000 | $ 320,000 | $ 79,000 |
| Lamar County Georgia | 2 | $ 440,000 | $ 220,000 | $ 65,000 |
| Laurens County Georgia | 2 | $ 940,000 | $ 470,000 | $ 326,000 |
| Lumpkin County Georgia | 2 | $ 720,000 | $ 360,000 | $ 100,000 |
| Muscogee County Georgia | 2 | $ 330,000 | $ 165,000 | $ 60,000 |
| Richmond County Georgia | 2 | $ 350,000 | $ 175,000 | $ 47,000 |
| Seminole County Georgia | 2 | $ 470,000 | $ 235,000 | $ 94,000 |
| Knox County Kentucky | 2 | $ 400,000 | $ 200,000 | $ 61,000 |
| Laurel County Kentucky | 2 | $ 270,000 | $ 135,000 | $ 53,000 |
| St. Martin County Louisiana | 2 | $ 330,000 | $ 165,000 | $ 80,000 |
| Barnstable County Massachusetts | 2 | $ 660,000 | $ 330,000 | $ 89,000 |
| Hampden County Massachusetts | 2 | $ 510,000 | $ 255,000 | $ 126,000 |
| Worcester County Massachusetts | 2 | $ 700,000 | $ 350,000 | $ 85,000 |
| Nash County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 31,000 |
| Rowan County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 38,000 |
| Athens County Ohio | 2 | $ 250,000 | $ 125,000 | $ 62,000 |
| Franklin County Ohio | 2 | $ 380,000 | $ 190,000 | $ 61,000 |
| Spartanburg County South Carolina | 2 | $ 400,000 | $ 200,000 | $ 58,000 |
| Loudoun County Virginia | 2 | $ 490,000 | $ 245,000 | $ 92,000 |
| Portsmouth County Virginia | 2 | $ 310,000 | $ 155,000 | $ 47,000 |
| Blount County Alabama | 1 | $ 165,000 | $ 165,000 | $ 34,000 |
| Cherokee County Alabama | 1 | $ 95,000 | $ 95,000 | $ 151,000 |
| Chilton County Alabama | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Clarke County Alabama | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Clay County Alabama | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Coffee County Alabama | 1 | $ 175,000 | $ 175,000 | $ 152,000 |
| Escambia County Alabama | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Houston County Alabama | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Jackson County Alabama | 1 | $ 155,000 | $ 155,000 | $ 30,000 |
| Lauderdale County Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Marion County Alabama | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Shelby County Alabama | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Talladega County Alabama | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Tuscaloosa County Alabama | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Bradford County Florida | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Calhoun County Florida | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Charlotte County Florida | 1 | $ 225,000 | $ 225,000 | $ 51,000 |
| Citrus County Florida | 1 | $ 215,000 | $ 215,000 | $ 136,000 |
| Columbia County Florida | 1 | $ 185,000 | $ 185,000 | $ 76,000 |
| Flagler County Florida | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Hernando County Florida | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Jefferson County Florida | 1 | $ 375,000 | $ 375,000 | $ 76,000 |
| Martin County Florida | 1 | $ 395,000 | $ 395,000 | $ 311,000 |
| Putnam County Florida | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Sumter County Florida | 1 | $ 325,000 | $ 325,000 | $ 79,000 |
| Taylor County Florida | 1 | $ 265,000 | $ 265,000 | $ 118,000 |
| Bacon County Georgia | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Bryan County Georgia | 1 | $ 325,000 | $ 325,000 | $ 105,000 |
| Butts County Georgia | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Catoosa County Georgia | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Cook County Georgia | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Crisp County Georgia | 1 | $ 305,000 | $ 305,000 | $ 267,000 |
| Decatur County Georgia | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Emanuel County Georgia | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Gilmer County Georgia | 1 | $ 455,000 | $ 455,000 | $ 105,000 |
| Gordon County Georgia | 1 | $ 315,000 | $ 315,000 | $ 80,000 |
| Heard County Georgia | 1 | $ 315,000 | $ 315,000 | $ 106,000 |
| Irwin County Georgia | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Lincoln County Georgia | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Long County Georgia | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Meriwether County Georgia | 1 | $ 365,000 | $ 365,000 | $ 87,000 |
| Mitchell County Georgia | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Monroe County Georgia | 1 | $ 285,000 | $ 285,000 | $ 137,000 |
| Oconee County Georgia | 1 | $ 485,000 | $ 485,000 | $ 87,000 |
| Pickens County Georgia | 1 | $ 75,000 | $ 75,000 | $ 18,000 |
| Pike County Georgia | 1 | $ 385,000 | $ 385,000 | $ 682,000 |
| Polk County Georgia | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Screven County Georgia | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Taliaferro County Georgia | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Tattnall County Georgia | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Thomas County Georgia | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Warren County Georgia | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Washington County Georgia | 1 | $ 425,000 | $ 425,000 | $ 273,000 |
| Wheeler County Georgia | 1 | $ 405,000 | $ 405,000 | $ 147,000 |
| White County Georgia | 1 | $ 385,000 | $ 385,000 | $ 83,000 |
| Whitfield County Georgia | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Vermillion County Indiana | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Campbell County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Madison County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| McCreary County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Russell County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 39,000 |
| Trigg County Kentucky | 1 | $ 325,000 | $ 325,000 | $ 107,000 |
| Whitley County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 139,000 |
| East Baton Rouge County Louisiana | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Grant County Louisiana | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Orleans County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 0 |
| St. Landry County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| Tangipahoa County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Vermilion County Louisiana | 1 | $ 365,000 | $ 365,000 | $ 134,000 |
| Allegany County Maryland | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Baltimore City County Maryland | 1 | $ 275,000 | $ 275,000 | $ 78,000 |
| Charles County Maryland | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Somerset County Maryland | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Washington County Maryland | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Wicomico County Maryland | 1 | $ 185,000 | $ 185,000 | $ 166,000 |
| Worcester County Maryland | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| Bristol County Massachusetts | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Norfolk County Massachusetts | 1 | $ 395,000 | $ 395,000 | $ 108,000 |
| Plymouth County Massachusetts | 1 | $ 335,000 | $ 335,000 | $ 83,000 |
| Buncombe County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Cabarrus County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 189,000 |
| Caldwell County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 34,000 |
| Chatham County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 67,000 |
| Columbus County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Craven County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Cumberland County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Durham County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 51,000 |
| Franklin County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 73,000 |
| Granville County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 46,000 |
| Harnett County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Hoke County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 23,000 |
| Mecklenburg County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Pamlico County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 67,000 |
| Rockingham County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 94,000 |
| Rutherford County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 94,000 |
| Surry County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 51,000 |
| Union County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Watauga County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Yancey County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 139,000 |
| Brown County Ohio | 1 | $ 285,000 | $ 285,000 | $ 368,000 |
| Clermont County Ohio | 1 | $ 195,000 | $ 195,000 | $ 113,000 |
| Gallia County Ohio | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Lucas County Ohio | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Miami County Ohio | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Portage County Ohio | 1 | $ 505,000 | $ 505,000 | $ 113,000 |
| Ross County Ohio | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Summit County Ohio | 1 | $ 405,000 | $ 405,000 | $ 75,000 |
| Tuscarawas County Ohio | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Wood County Ohio | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Allegheny County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Beaver County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Butler County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Lancaster County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| McKean County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 144,000 |
| Mercer County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 85,000 |
| Monroe County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Aiken County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Berkeley County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Charleston County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Dorchester County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 34,000 |
| Greenville County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 66,000 |
| Hampton County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Horry County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Jasper County South Carolina | 1 | $ 375,000 | $ 375,000 | $ 242,000 |
| Lexington County South Carolina | 1 | $ 385,000 | $ 385,000 | $ 82,000 |
| Oconee County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Richland County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Sumter County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 242,000 |
| Carroll County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 29,000 |
| Dickson County Tennessee | 1 | $ 495,000 | $ 495,000 | $ 187,000 |
| Fentress County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Greene County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Hamblen County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Hawkins County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Lake County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Madison County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 357,000 |
| Marion County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Maury County Tennessee | 1 | $ 475,000 | $ 475,000 | $ 149,000 |
| McMinn County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Montgomery County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 80,000 |
| Obion County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Roane County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Robertson County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Rutherford County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Sevier County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| Smith County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Union County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Weakley County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Wilson County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 60,000 |
| Fort Bend County Texas | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Galveston County Texas | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Montgomery County Texas | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| San Jacinto County Texas | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Tarrant County Texas | 1 | $ 325,000 | $ 325,000 | $ 114,000 |
| Augusta County Virginia | 1 | $ 235,000 | $ 235,000 | $ 43,000 |
| Brunswick County Virginia | 1 | $ 175,000 | $ 175,000 | $ 104,000 |
| Charlottesville County Virginia | 1 | $ 305,000 | $ 305,000 | $ 54,000 |
| Chesapeake County Virginia | 1 | $ 315,000 | $ 315,000 | $ 78,000 |
| Fairfax County Virginia | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Floyd County Virginia | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| Franklin County Virginia | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Fredericksburg County Virginia | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Halifax County Virginia | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Harrisonburg County Virginia | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Henrico County Virginia | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| New Kent County Virginia | 1 | $ 525,000 | $ 525,000 | $ 148,000 |
| Powhatan County Virginia | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Prince William County Virginia | 1 | $ 295,000 | $ 295,000 | $ 51,000 |
| Roanoke County Virginia | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Shenandoah County Virginia | 1 | $ 425,000 | $ 425,000 | $ 42,000 |
| Washington County Virginia | 1 | $ 405,000 | $ 405,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Southpoint Financial Services, Inc. in 2022
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 | 571 | $158,505,000 | $277,000 | $945,000 | $96,000 | $3,611,000 |
| Cash-out Refinancing | 349 | $87,885,000 | $251,000 | $2,665,000 | $88,000 | $1,581,000 |
| Refinancing | 57 | $13,915,000 | $244,000 | $645,000 | $113,000 | $682,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 497 | $126,545,000 | $254,000 | $645,000 | $94,000 | $1,581,000 |
| Black or African American | 330 | $90,160,000 | $273,000 | $2,665,000 | $89,000 | $1,200,000 |
| Hispanic | 72 | $20,190,000 | $280,000 | $535,000 | $84,000 | $249,000 |
| Asian | 33 | $11,165,000 | $338,000 | $645,000 | $96,000 | $235,000 |
| Not Provided | 33 | $8,775,000 | $265,000 | $485,000 | $185,000 | $3,611,000 |
| Not applicable | 7 | $1,565,000 | $223,000 | $355,000 | $58,000 | $189,000 |
| American Indian or Alaskan Native | 4 | $1,730,000 | $432,000 | $615,000 | $127,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $82,000 | $82,000 |
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) | 475 | $119,625,000 | $251,000 | $555,000 | $76,000 | $368,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 357 | $101,575,000 | $284,000 | $2,665,000 | $123,000 | $3,611,000 |
| VA-guaranteed (Veterans Administration) | 96 | $30,370,000 | $316,000 | $715,000 | $96,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $8,735,000 | $178,000 | $275,000 | $61,000 | $102,000 |
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 | 693 | $184,845,000 | $266,000 | $705,000 | $93,000 | $1,581,000 |
| Application Withdrawn By Applicant | 275 | $73,945,000 | $268,000 | $2,665,000 | $99,000 | $3,611,000 |
| Application Denied By Financial Institution | 9 | $1,515,000 | $168,000 | $275,000 | $60,000 | $139,000 |
| 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 | 968 | $258,790,000 | $267,000 | $2,665,000 | $95,000 | $3,611,000 |
| Other | 4 | $680,000 | $170,000 | $275,000 | $45,000 | $75,000 |
| Collateral | 2 | $240,000 | $120,000 | $185,000 | $36,000 | $44,000 |
| Debt-To-Income Ratio | 2 | $330,000 | $165,000 | $195,000 | $103,000 | $139,000 |
| Credit History | 1 | $265,000 | $265,000 | $265,000 | $83,000 | $83,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southpoint Financial Services, Inc.'s 2022 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.