Southpoint Financial Services, Inc. Mortgage Lending & HMDA Data, 2011
In 2011, Southpoint Financial Services, Inc. of Alpharetta, GA reported 611 mortgage applications totaling $88.1 million, down 16% from 2010. The average application was for $144,235, and applicants reported an average income of $59,325. 91% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (157), Memphis, TN-MS-AR (84) and Orlando-Kissimmee-Sanford, FL (33) (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 | 611 |
| Total Mortgage Loan Application Amount | $88,128,000 |
| Average Mortgage Loan Application Amount | $144,235 |
| Highest Mortgage Loan Application Amount | $742,000 |
| Average Applicant Income | $59,325 |
| Highest Applicant Income | $391,000 |
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Southpoint Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 157 | $ 24,281,000 | $ 154,656 | $ 61,000 |
| Memphis, TN-MS-AR | 84 | $ 13,207,000 | $ 157,226 | $ 66,714 |
| Orlando-Kissimmee-Sanford, FL | 33 | $ 4,262,000 | $ 129,151 | $ 45,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 29 | $ 5,074,000 | $ 174,965 | $ 60,000 |
| Chattanooga, TN-GA | 19 | $ 2,493,000 | $ 131,210 | $ 53,421 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 12 | $ 1,901,000 | $ 158,416 | $ 69,583 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 2,080,000 | $ 173,333 | $ 78,000 |
| Knoxville, TN | 7 | $ 833,000 | $ 119,000 | $ 60,000 |
| Savannah, GA | 7 | $ 1,103,000 | $ 157,571 | $ 58,000 |
| Florence, SC | 6 | $ 670,000 | $ 111,666 | $ 30,000 |
| Greenville-Mauldin-Easley, SC | 6 | $ 755,000 | $ 125,833 | $ 71,000 |
| San Antonio-New Braunfels, TX | 6 | $ 521,000 | $ 86,833 | $ 41,000 |
| Anderson, SC | 5 | $ 439,000 | $ 87,800 | $ 40,000 |
| Columbia, SC | 5 | $ 879,000 | $ 175,800 | $ 76,000 |
| Houston-Sugar Land-Baytown, TX | 5 | $ 610,000 | $ 122,000 | $ 58,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 883,000 | $ 176,600 | $ 77,000 |
| Birmingham-Hoover, AL | 4 | $ 425,000 | $ 106,250 | $ 37,000 |
| Fayetteville, NC | 4 | $ 824,000 | $ 206,000 | $ 88,000 |
| Fort Collins-Loveland, CO | 4 | $ 630,000 | $ 157,500 | $ 70,000 |
| Columbus, GA-AL | 3 | $ 471,000 | $ 157,000 | $ 71,000 |
| Fort Worth-Arlington, TX | 3 | $ 679,000 | $ 226,333 | $ 183,000 |
| Montgomery, AL | 3 | $ 616,000 | $ 205,333 | $ 84,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 477,000 | $ 159,000 | $ 70,000 |
| Texarkana, Tx-Texarkana, AR | 3 | $ 381,000 | $ 127,000 | $ 55,000 |
| Warner Robins, GA | 3 | $ 443,000 | $ 147,666 | $ 57,000 |
| Albany, GA | 2 | $ 316,000 | $ 158,000 | $ 47,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 280,000 | $ 140,000 | $ 91,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 244,000 | $ 122,000 | $ 82,000 |
| Clarksville, TN-KY | 2 | $ 153,000 | $ 76,500 | $ 46,000 |
| Dallas-Plano-Irving, TX | 2 | $ 220,000 | $ 110,000 | $ 43,000 |
| Mobile, AL | 2 | $ 259,000 | $ 129,500 | $ 49,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 243,000 | $ 121,500 | $ 46,000 |
| Spartanburg, SC | 2 | $ 231,000 | $ 115,500 | $ 33,000 |
| Valdosta, GA | 2 | $ 264,000 | $ 132,000 | $ 57,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 216,000 | $ 108,000 | $ 77,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 144,000 | $ 144,000 | $ 55,000 |
| Beaumont-Port Arthur, TX | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Brunswick, GA | 1 | $ 375,000 | $ 375,000 | $ 113,000 |
| Cleveland, TN | 1 | $ 211,000 | $ 211,000 | $ 88,000 |
| Colorado Springs, CO | 1 | $ 198,000 | $ 198,000 | $ 84,000 |
| Corpus Christi, TX | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 221,000 | $ 221,000 | $ 79,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 270,000 | $ 270,000 | $ 106,000 |
| Gainesville, GA | 1 | $ 176,000 | $ 176,000 | $ 86,000 |
| Greensboro-High Point, NC | 1 | $ 124,000 | $ 124,000 | $ 65,000 |
| Jacksonville, FL | 1 | $ 133,000 | $ 133,000 | $ 59,000 |
| Jacksonville, NC | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 221,000 | $ 221,000 | $ 92,000 |
| Lubbock, TX | 1 | $ 133,000 | $ 133,000 | $ 62,000 |
| Port St. Lucie, FL | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
| Pueblo, CO | 1 | $ 79,000 | $ 79,000 | $ 31,000 |
| Raleigh-Cary, NC | 1 | $ 268,000 | $ 268,000 | $ 110,000 |
| Rome, GA | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| San Angelo, TX | 1 | $ 138,000 | $ 138,000 | $ 61,000 |
| Sherman-Denison, TX | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Southpoint Financial Services, Inc. in 2011
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 | 352 | $44,634,000 | $126,000 | $431,000 | $50,000 | $190,000 |
| Refinancing | 259 | $43,494,000 | $167,000 | $742,000 | $72,000 | $391,000 |
| 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 | 381 | $56,953,000 | $149,000 | $742,000 | $62,000 | $391,000 |
| Black or African American | 177 | $24,237,000 | $136,000 | $431,000 | $55,000 | $190,000 |
| Hispanic | 29 | $3,864,000 | $133,000 | $273,000 | $59,000 | $153,000 |
| Asian | 15 | $1,978,000 | $131,000 | $223,000 | $52,000 | $131,000 |
| Not Provided | 7 | $708,000 | $101,000 | $143,000 | $41,000 | $69,000 |
| American Indian or Alaskan Native | 1 | $112,000 | $112,000 | $112,000 | $53,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $276,000 | $276,000 | $276,000 | $115,000 | $115,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 296 | $39,717,000 | $134,000 | $437,000 | $54,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 163 | $25,820,000 | $158,000 | $431,000 | $67,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 97 | $11,096,000 | $114,000 | $250,000 | $39,000 | $95,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 55 | $11,495,000 | $209,000 | $742,000 | $102,000 | $391,000 |
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 | 557 | $78,831,000 | $141,000 | $437,000 | $59,000 | $391,000 |
| Application Withdrawn By Applicant | 27 | $4,872,000 | $180,000 | $660,000 | $63,000 | $224,000 |
| Application Denied By Financial Institution | 26 | $4,111,000 | $158,000 | $742,000 | $53,000 | $172,000 |
| Application Approved But Not Accepted | 1 | $314,000 | $314,000 | $314,000 | $100,000 | $100,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 8 | $1,265,000 | $158,000 | $375,000 | $67,000 | $113,000 |
| Debt-To-Income Ratio | 7 | $991,000 | $141,000 | $342,000 | $40,000 | $65,000 |
| Collateral | 5 | $1,301,000 | $260,000 | $742,000 | $83,000 | $172,000 |
| Other | 3 | $274,000 | $91,000 | $126,000 | $29,000 | $35,000 |
| Unverifiable Information | 1 | $121,000 | $121,000 | $121,000 | $26,000 | $26,000 |
| Credit Application Incomplete | 1 | $101,000 | $101,000 | $101,000 | $27,000 | $27,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southpoint Financial Services, Inc.'s 2011 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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