Southpoint Financial Services, Inc. Mortgage Lending & HMDA Data, 2023
In 2023, Southpoint Financial Services, Inc. of Alpharetta, GA reported 1,122 mortgage applications totaling $299.5 million, up 15% from 2022. The average application was for $266,916, and applicants reported an average income of $97,811. 56% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (316), Savannah, GA (82) and Orlando-Kissimmee-Sanford, FL (54) (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 | 1,122 |
| Total Mortgage Loan Application Amount | $299,480,000 |
| Average Mortgage Loan Application Amount | $266,916 |
| Highest Mortgage Loan Application Amount | $1,235,000 |
| Average Applicant Income | $97,811 |
| Highest Applicant Income | $889,000 |
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Southpoint Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 316 | $ 100,050,000 | $ 316,613 | $ 115,000 |
| Outside any metro area | 185 | $ 35,895,000 | $ 194,027 | $ 76,502 |
| Savannah, GA | 82 | $ 23,310,000 | $ 284,268 | $ 109,000 |
| Orlando-Kissimmee-Sanford, FL | 54 | $ 17,540,000 | $ 324,814 | $ 108,000 |
| Albany, GA | 21 | $ 4,395,000 | $ 209,285 | $ 89,000 |
| Charlotte-Concord-Gastonia, NC-SC | 18 | $ 5,540,000 | $ 307,777 | $ 98,500 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 6,330,000 | $ 351,666 | $ 119,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 7,550,000 | $ 419,444 | $ 148,500 |
| Erie, PA | 15 | $ 2,655,000 | $ 177,000 | $ 84,000 |
| Hinesville, GA | 14 | $ 3,760,000 | $ 268,571 | $ 80,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 3,630,000 | $ 259,285 | $ 101,000 |
| Pittsburgh, PA | 14 | $ 2,950,000 | $ 210,714 | $ 74,000 |
| Greenville-Anderson-Mauldin, SC | 11 | $ 3,025,000 | $ 275,000 | $ 97,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 3,235,000 | $ 294,090 | $ 78,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 3,225,000 | $ 293,181 | $ 98,000 |
| Cleveland-Elyria, OH | 10 | $ 1,420,000 | $ 142,000 | $ 104,000 |
| Lafayette, LA | 10 | $ 1,710,000 | $ 171,000 | $ 66,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 10 | $ 2,160,000 | $ 216,000 | $ 62,000 |
| Lakeland-Winter Haven, FL | 9 | $ 2,825,000 | $ 313,888 | $ 96,000 |
| Baltimore-Columbia-Towson, MD | 8 | $ 2,470,000 | $ 308,750 | $ 91,000 |
| Birmingham-Hoover, AL | 8 | $ 2,360,000 | $ 295,000 | $ 67,000 |
| Cincinnati, OH-KY-IN | 8 | $ 1,270,000 | $ 158,750 | $ 66,000 |
| Columbus, OH | 7 | $ 2,365,000 | $ 337,857 | $ 162,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 2,285,000 | $ 326,428 | $ 97,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 2,085,000 | $ 297,857 | $ 112,000 |
| Gainesville, GA | 7 | $ 2,185,000 | $ 312,142 | $ 100,000 |
| Philadelphia, PA | 7 | $ 975,000 | $ 139,285 | $ 61,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 1,890,000 | $ 315,000 | $ 90,000 |
| Florence, SC | 6 | $ 1,070,000 | $ 178,333 | $ 59,000 |
| Huntsville, AL | 6 | $ 1,800,000 | $ 300,000 | $ 91,000 |
| Jacksonville, FL | 6 | $ 2,000,000 | $ 333,333 | $ 133,000 |
| Macon-Bibb County, GA | 6 | $ 1,770,000 | $ 295,000 | $ 132,000 |
| New Orleans-Metairie, LA | 6 | $ 1,290,000 | $ 215,000 | $ 74,000 |
| Raleigh, NC | 6 | $ 2,120,000 | $ 353,333 | $ 78,000 |
| Richmond, VA | 6 | $ 1,170,000 | $ 195,000 | $ 85,000 |
| Spartanburg, SC | 6 | $ 1,700,000 | $ 283,333 | $ 98,000 |
| Asheville, NC | 5 | $ 1,135,000 | $ 227,000 | $ 89,000 |
| Athens-Clarke County, GA | 5 | $ 1,755,000 | $ 351,000 | $ 93,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,625,000 | $ 325,000 | $ 174,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 1,400,000 | $ 350,000 | $ 134,000 |
| Charlottesville, VA | 4 | $ 830,000 | $ 207,500 | $ 73,000 |
| Chattanooga, TN-GA | 4 | $ 770,000 | $ 192,500 | $ 51,000 |
| Memphis, TN-MS-AR | 4 | $ 740,000 | $ 185,000 | $ 64,250 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 790,000 | $ 197,500 | $ 79,000 |
| Rome, GA | 4 | $ 850,000 | $ 212,500 | $ 82,000 |
| Springfield, MA | 4 | $ 1,080,000 | $ 270,000 | $ 72,000 |
| The Villages, FL | 4 | $ 890,000 | $ 222,500 | $ 64,000 |
| Washington-Baltimore-Arlington, DC | 4 | $ 1,360,000 | $ 340,000 | $ 97,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 800,000 | $ 200,000 | $ 65,000 |
| Akron, OH | 3 | $ 475,000 | $ 158,333 | $ 77,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,065,000 | $ 355,000 | $ 191,000 |
| Columbia, SC | 3 | $ 835,000 | $ 278,333 | $ 73,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 595,000 | $ 198,333 | $ 78,000 |
| Mobile, AL | 3 | $ 435,000 | $ 145,000 | $ 84,000 |
| Montgomery, AL | 3 | $ 445,000 | $ 148,333 | $ 122,000 |
| Port St. Lucie, FL | 3 | $ 1,055,000 | $ 351,666 | $ 102,000 |
| San Antonio-New Braunfels, TX | 3 | $ 895,000 | $ 298,333 | $ 138,000 |
| Warner Robins, GA | 3 | $ 525,000 | $ 175,000 | $ 102,000 |
| Winston-Salem, NC | 3 | $ 535,000 | $ 178,333 | $ 82,000 |
| Baton Rouge, LA | 2 | $ 310,000 | $ 155,000 | $ 77,000 |
| Bloomsburg-Berwick, PA | 2 | $ 300,000 | $ 150,000 | $ 44,000 |
| Boston, MA | 2 | $ 490,000 | $ 245,000 | $ 62,000 |
| Canton-Massillon, OH | 2 | $ 340,000 | $ 170,000 | $ 79,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 510,000 | $ 255,000 | $ 139,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 490,000 | $ 245,000 | $ 75,000 |
| Charleston-North Charleston, SC | 2 | $ 330,000 | $ 165,000 | $ 67,000 |
| Columbus, GA-AL | 2 | $ 290,000 | $ 145,000 | $ 44,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 510,000 | $ 255,000 | $ 65,000 |
| Decatur, AL | 2 | $ 480,000 | $ 240,000 | $ 110,000 |
| Durham-Chapel Hill, NC | 2 | $ 360,000 | $ 180,000 | $ 81,000 |
| Fayetteville, NC | 2 | $ 570,000 | $ 285,000 | $ 111,000 |
| Florence-Muscle Shoals, AL | 2 | $ 370,000 | $ 185,000 | $ 45,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 370,000 | $ 185,000 | $ 61,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 360,000 | $ 180,000 | $ 55,000 |
| Houma-Thibodaux, LA | 2 | $ 320,000 | $ 160,000 | $ 73,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 320,000 | $ 160,000 | $ 51,000 |
| Lake Charles, LA | 2 | $ 380,000 | $ 190,000 | $ 73,000 |
| Ocala, FL | 2 | $ 570,000 | $ 285,000 | $ 96,000 |
| Reading, PA | 2 | $ 430,000 | $ 215,000 | $ 52,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 580,000 | $ 290,000 | $ 168,000 |
| York-Hanover, PA | 2 | $ 280,000 | $ 140,000 | $ 60,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 290,000 | $ 145,000 | $ 63,000 |
| Alexandria, LA | 1 | $ 225,000 | $ 225,000 | $ 149,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| Barnstable Town, MA | 1 | $ 295,000 | $ 295,000 | $ 101,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 195,000 | $ 195,000 | $ 144,000 |
| Dalton, GA | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 335,000 | $ 335,000 | $ 131,000 |
| Dothan, AL | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| East Stroudsburg, PA | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Evansville, IN-KY | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Gainesville, FL | 1 | $ 195,000 | $ 195,000 | $ 96,000 |
| Goldsboro, NC | 1 | $ 275,000 | $ 275,000 | $ 38,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Jackson, MS | 1 | $ 145,000 | $ 145,000 | $ 33,000 |
| Knoxville, TN | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Lancaster, PA | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Lexington-Fayette, KY | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Lima, OH | 1 | $ 175,000 | $ 175,000 | $ 179,000 |
| Lynchburg, VA | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Mansfield, OH | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Monroe, LA | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| Morristown, TN | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| New Bern, NC | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Newark, NJ-PA | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Panama City, FL | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Pittsfield, MA | 1 | $ 215,000 | $ 215,000 | $ 37,000 |
| Roanoke, VA | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Rocky Mount, NC | 1 | $ 215,000 | $ 215,000 | $ 35,000 |
| Salisbury, MD-DE | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| Sebring, FL | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Shreveport-Bossier City, LA | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Sumter, SC | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Toledo, OH | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Valdosta, GA | 1 | $ 405,000 | $ 405,000 | $ 245,000 |
| Wilmington, DE-MD-NJ | 1 | $ 135,000 | $ 135,000 | $ 19,000 |
| Winchester, VA-WV | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Southpoint Financial Services, Inc. in 2023
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 | 745 | $210,975,000 | $283,000 | $1,235,000 | $104,000 | $889,000 |
| Cash-out Refinancing | 329 | $76,285,000 | $231,000 | $655,000 | $81,000 | $313,000 |
| Refinancing | 48 | $12,220,000 | $254,000 | $575,000 | $117,000 | $410,000 |
| 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 | 536 | $137,890,000 | $257,000 | $1,025,000 | $98,000 | $889,000 |
| Black or African American | 427 | $116,885,000 | $273,000 | $1,235,000 | $96,000 | $357,000 |
| Hispanic | 87 | $23,965,000 | $275,000 | $555,000 | $106,000 | $273,000 |
| Not Provided | 41 | $11,095,000 | $270,000 | $605,000 | $86,000 | $234,000 |
| Asian | 22 | $7,910,000 | $359,000 | $1,005,000 | $129,000 | $325,000 |
| American Indian or Alaskan Native | 4 | $620,000 | $155,000 | $215,000 | $55,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $65,000 | $65,000 |
| 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) | 574 | $147,590,000 | $257,000 | $645,000 | $84,000 | $343,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 390 | $109,350,000 | $280,000 | $1,235,000 | $121,000 | $889,000 |
| VA-guaranteed (Veterans Administration) | 102 | $32,690,000 | $320,000 | $715,000 | $105,000 | $349,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 56 | $9,850,000 | $175,000 | $475,000 | $66,000 | $114,000 |
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 | 623 | $170,915,000 | $274,000 | $725,000 | $104,000 | $889,000 |
| Application Withdrawn By Applicant | 485 | $124,635,000 | $256,000 | $1,235,000 | $90,000 | $436,000 |
| Application Denied By Financial Institution | 14 | $3,930,000 | $280,000 | $555,000 | $111,000 | $289,000 |
| 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 | 1,108 | $295,550,000 | $266,000 | $1,235,000 | $98,000 | $889,000 |
| Other | 5 | $1,305,000 | $261,000 | $365,000 | $113,000 | $289,000 |
| Credit History | 3 | $1,035,000 | $345,000 | $555,000 | $123,000 | $239,000 |
| Debt-To-Income Ratio | 3 | $865,000 | $288,000 | $335,000 | $96,000 | $108,000 |
| Collateral | 2 | $530,000 | $265,000 | $315,000 | $126,000 | $159,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $86,000 | $86,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southpoint Financial Services, Inc.'s 2023 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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