Southpoint Financial Services, Inc. Mortgage Lending & HMDA Data, 2019
In 2019, Southpoint Financial Services, Inc. of Alpharetta, GA reported 1,626 mortgage applications totaling $312.2 million, up 41% from 2018. The average application was for $191,980, and applicants reported an average income of $72,015. 65% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (576), Pensacola-Ferry Pass-Brent, FL (62) and Savannah, GA (56) (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 | 1,626 |
| Total Mortgage Loan Application Amount | $312,160,000 |
| Average Mortgage Loan Application Amount | $191,980 |
| Highest Mortgage Loan Application Amount | $1,185,000 |
| Average Applicant Income | $72,015 |
| Highest Applicant Income | $1,014,000 |
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Southpoint Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Roswell, GA | 576 | $ 112,110,000 | $ 194,635 | $ 73,000 |
| Outside any metro area | 227 | $ 34,445,000 | $ 151,740 | $ 61,242 |
| Pensacola-Ferry Pass-Brent, FL | 62 | $ 13,180,000 | $ 212,580 | $ 91,000 |
| Savannah, GA | 56 | $ 10,510,000 | $ 187,678 | $ 64,000 |
| Orlando-Kissimmee-Sanford, FL | 42 | $ 9,620,000 | $ 229,047 | $ 83,000 |
| Houston-The Woodlands-Sugar Land, TX | 36 | $ 9,280,000 | $ 257,777 | $ 123,000 |
| Tampa-St. Petersburg-Clearwater, FL | 33 | $ 7,455,000 | $ 225,909 | $ 93,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 29 | $ 6,725,000 | $ 231,896 | $ 78,000 |
| Birmingham-Hoover, AL | 27 | $ 3,645,000 | $ 135,000 | $ 45,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 23 | $ 6,125,000 | $ 266,304 | $ 97,956 |
| Charlotte-Concord-Gastonia, NC-SC | 20 | $ 4,140,000 | $ 207,000 | $ 66,550 |
| Lakeland-Winter Haven, FL | 19 | $ 3,955,000 | $ 208,157 | $ 62,000 |
| Albany, GA | 16 | $ 2,110,000 | $ 131,875 | $ 55,000 |
| Miami-Miami Beach-Kendall, FL | 16 | $ 4,810,000 | $ 300,625 | $ 86,000 |
| Jacksonville, FL | 15 | $ 2,695,000 | $ 179,666 | $ 68,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 15 | $ 2,855,000 | $ 190,333 | $ 71,000 |
| Florence, SC | 14 | $ 1,510,000 | $ 107,857 | $ 43,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 3,810,000 | $ 272,142 | $ 116,000 |
| Montgomery County-Bucks County-Chester County, PA | 14 | $ 3,210,000 | $ 229,285 | $ 86,000 |
| Ocala, FL | 13 | $ 2,215,000 | $ 170,384 | $ 61,000 |
| Raleigh, NC | 13 | $ 2,845,000 | $ 218,846 | $ 68,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 13 | $ 3,125,000 | $ 240,384 | $ 68,000 |
| Crestview-Fort Walton Beach-Destin, FL | 12 | $ 2,670,000 | $ 222,500 | $ 69,000 |
| North Port-Sarasota-Bradenton, FL | 11 | $ 2,365,000 | $ 215,000 | $ 59,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 2,265,000 | $ 205,909 | $ 93,000 |
| Warner Robins, GA | 11 | $ 1,125,000 | $ 102,272 | $ 51,000 |
| Baltimore-Columbia-Towson, MD | 10 | $ 2,490,000 | $ 249,000 | $ 96,000 |
| Richmond, VA | 10 | $ 2,090,000 | $ 209,000 | $ 72,000 |
| Daphne-Fairhope-Foley, AL | 9 | $ 1,705,000 | $ 189,444 | $ 77,000 |
| Louisville/Jefferson County, KY-IN | 9 | $ 1,205,000 | $ 133,888 | $ 48,000 |
| Dallas-Plano-Irving, TX | 8 | $ 1,890,000 | $ 236,250 | $ 70,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,300,000 | $ 162,500 | $ 55,000 |
| Macon-Bibb County, GA | 8 | $ 1,320,000 | $ 165,000 | $ 102,000 |
| Philadelphia, PA | 8 | $ 1,330,000 | $ 166,250 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 1,325,000 | $ 189,285 | $ 59,000 |
| Chattanooga, TN-GA | 7 | $ 1,255,000 | $ 179,285 | $ 59,714 |
| Fort Worth-Arlington, TX | 7 | $ 1,295,000 | $ 185,000 | $ 58,000 |
| Gainesville, GA | 7 | $ 1,435,000 | $ 205,000 | $ 72,000 |
| Pittsburgh, PA | 7 | $ 1,185,000 | $ 169,285 | $ 92,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 1,260,000 | $ 210,000 | $ 69,000 |
| Clarksville, TN-KY | 6 | $ 880,000 | $ 146,666 | $ 52,000 |
| Columbia, SC | 6 | $ 980,000 | $ 163,333 | $ 42,000 |
| Durham-Chapel Hill, NC | 6 | $ 1,040,000 | $ 173,333 | $ 55,000 |
| Memphis, TN-MS-AR | 6 | $ 1,220,000 | $ 203,333 | $ 65,000 |
| Winston-Salem, NC | 6 | $ 730,000 | $ 121,666 | $ 35,000 |
| Athens-Clarke County, GA | 5 | $ 535,000 | $ 107,000 | $ 43,000 |
| Cincinnati, OH-KY-IN | 5 | $ 1,335,000 | $ 267,000 | $ 144,000 |
| Greensboro-High Point, NC | 5 | $ 795,000 | $ 159,000 | $ 52,000 |
| Hinesville, GA | 5 | $ 905,000 | $ 181,000 | $ 47,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 775,000 | $ 155,000 | $ 42,600 |
| Asheville, NC | 4 | $ 900,000 | $ 225,000 | $ 46,000 |
| Charlottesville, VA | 4 | $ 760,000 | $ 190,000 | $ 59,000 |
| Cleveland-Elyria, OH | 4 | $ 560,000 | $ 140,000 | $ 55,000 |
| Columbus, GA-AL | 4 | $ 610,000 | $ 152,500 | $ 68,000 |
| Lancaster, PA | 4 | $ 570,000 | $ 142,500 | $ 80,000 |
| Roanoke, VA | 4 | $ 550,000 | $ 137,500 | $ 51,000 |
| Decatur, AL | 3 | $ 455,000 | $ 151,666 | $ 80,000 |
| Florence-Muscle Shoals, AL | 3 | $ 665,000 | $ 221,666 | $ 92,000 |
| Gainesville, FL | 3 | $ 445,000 | $ 148,333 | $ 58,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 1,365,000 | $ 455,000 | $ 141,000 |
| Huntsville, AL | 3 | $ 585,000 | $ 195,000 | $ 39,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 425,000 | $ 141,666 | $ 39,333 |
| Mobile, AL | 3 | $ 425,000 | $ 141,666 | $ 43,000 |
| Panama City, FL | 3 | $ 595,000 | $ 198,333 | $ 81,000 |
| Port St. Lucie, FL | 3 | $ 535,000 | $ 178,333 | $ 37,000 |
| San Antonio-New Braunfels, TX | 3 | $ 745,000 | $ 248,333 | $ 98,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 465,000 | $ 155,000 | $ 59,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 705,000 | $ 235,000 | $ 35,000 |
| Brunswick, GA | 2 | $ 230,000 | $ 115,000 | $ 62,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 450,000 | $ 225,000 | $ 74,000 |
| Columbus, OH | 2 | $ 250,000 | $ 125,000 | $ 24,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 130,000 | $ 65,000 | $ 46,000 |
| Erie, PA | 2 | $ 460,000 | $ 230,000 | $ 112,000 |
| Gadsden, AL | 2 | $ 330,000 | $ 165,000 | $ 70,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 630,000 | $ 315,000 | $ 73,000 |
| Homosassa Springs, FL | 2 | $ 260,000 | $ 130,000 | $ 31,000 |
| Killeen-Temple, TX | 2 | $ 400,000 | $ 200,000 | $ 50,000 |
| Lexington-Fayette, KY | 2 | $ 360,000 | $ 180,000 | $ 27,000 |
| Montgomery, AL | 2 | $ 450,000 | $ 225,000 | $ 148,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 590,000 | $ 295,000 | $ 90,000 |
| Reading, PA | 2 | $ 380,000 | $ 190,000 | $ 61,000 |
| Valdosta, GA | 2 | $ 320,000 | $ 160,000 | $ 49,000 |
| Williamsport, PA | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Wilmington, NC | 2 | $ 590,000 | $ 295,000 | $ 63,000 |
| York-Hanover, PA | 2 | $ 370,000 | $ 185,000 | $ 160,000 |
| Altoona, PA | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Austin-Round Rock, TX | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Charleston-North Charleston, SC | 1 | $ 205,000 | $ 205,000 | $ 44,000 |
| College Station-Bryan, TX | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Dothan, AL | 1 | $ 235,000 | $ 235,000 | $ 102,000 |
| East Stroudsburg, PA | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Lynchburg, VA | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Mansfield, OH | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| New Bern, NC | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Newark, NJ-PA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Owensboro, KY | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Punta Gorda, FL | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Rocky Mount, NC | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Sebastian-Vero Beach, FL | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Springfield, OH | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Staunton-Waynesboro, VA | 1 | $ 265,000 | $ 265,000 | $ 49,000 |
| Sumter, SC | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Tallahassee, FL | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Toledo, OH | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
| Tuscaloosa, AL | 1 | $ 235,000 | $ 235,000 | $ 157,000 |
Mortgage Loan Application Detail Totals for Southpoint Financial Services, Inc. in 2019
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 | 880 | $170,790,000 | $194,000 | $755,000 | $73,000 | $1,014,000 |
| Cash-out Refinancing | 433 | $90,635,000 | $209,000 | $1,185,000 | $74,000 | $427,000 |
| Refinancing | 242 | $50,350,000 | $208,000 | $515,000 | $69,000 | $348,000 |
| Other Purpose | 71 | $385,000 | $5,000 | $25,000 | $58,000 | $127,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 819 | $164,625,000 | $201,000 | $1,185,000 | $78,000 | $1,014,000 |
| Black or African American | 583 | $105,315,000 | $180,000 | $515,000 | $65,000 | $340,000 |
| Hispanic | 128 | $25,400,000 | $198,000 | $435,000 | $67,000 | $300,000 |
| Not Provided | 52 | $8,190,000 | $157,000 | $505,000 | $60,000 | $180,000 |
| Asian | 28 | $6,070,000 | $216,000 | $485,000 | $108,000 | $293,000 |
| American Indian or Alaskan Native | 9 | $1,295,000 | $143,000 | $285,000 | $57,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $790,000 | $197,000 | $285,000 | $68,000 | $75,000 |
| Not applicable | 2 | $330,000 | $165,000 | $185,000 | $51,000 | $64,000 |
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) | 810 | $151,860,000 | $187,000 | $525,000 | $64,000 | $340,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 542 | $106,790,000 | $197,000 | $1,185,000 | $89,000 | $1,014,000 |
| VA-guaranteed (Veterans Administration) | 191 | $41,805,000 | $218,000 | $515,000 | $68,000 | $245,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 83 | $11,705,000 | $141,000 | $325,000 | $51,000 | $106,000 |
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 | 1,049 | $207,435,000 | $197,000 | $1,185,000 | $75,000 | $1,014,000 |
| Application Withdrawn By Applicant | 442 | $81,160,000 | $183,000 | $555,000 | $64,000 | $384,000 |
| Application Approved But Not Accepted | 84 | $15,520,000 | $184,000 | $515,000 | $69,000 | $185,000 |
| Application Denied By Financial Institution | 45 | $7,105,000 | $157,000 | $325,000 | $73,000 | $507,000 |
| File Closed For Incompleteness | 5 | $755,000 | $151,000 | $195,000 | $46,000 | $70,000 |
| Preapproval Denied by Financial Institution | 1 | $185,000 | $185,000 | $185,000 | $52,000 | $52,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 1,580 | $304,870,000 | $192,000 | $1,185,000 | $72,000 | $1,014,000 |
| Debt-To-Income Ratio | 15 | $2,655,000 | $177,000 | $325,000 | $68,000 | $151,000 |
| Credit History | 11 | $1,625,000 | $147,000 | $235,000 | $55,000 | $96,000 |
| Collateral | 8 | $980,000 | $122,000 | $185,000 | $69,000 | $168,000 |
| Other | 5 | $825,000 | $165,000 | $255,000 | $157,000 | $507,000 |
| Employment History | 5 | $835,000 | $167,000 | $225,000 | $53,000 | $94,000 |
| Unverifiable Information | 2 | $370,000 | $185,000 | $185,000 | $64,000 | $72,000 |
| Credit Application Incomplete | 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 2019 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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