SOUTHERN BANK
SOUTHERN BANK received 31 applications in 2025 and made 21 mortgages, in 13 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 28 decisions, 7 were denials — 25.0%.
| Legal Entity Identifier | 549300MQKEHKJXUWM405 |
|---|---|
| Applications received | 31 |
| Mortgages made | 21 |
| Denied | 7 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Southern Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 11 | Not published | $175,000 | 15.4% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 66.7% |
Where SOUTHERN BANK lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Aiken County, SC | 6 | Under 10 loans | 0.0% |
| Burke County, GA | 5 | Under 10 loans | 44.4% |
| Glascock County, GA | 2 | Under 10 loans | 0.0% |
| Richmond County, GA | 2 | Under 10 loans | 0.0% |
| Charleston County, SC | 2 | Under 10 loans | 0.0% |
| Muscogee County, GA | 1 | Under 10 loans | 0.0% |
| Chester County, SC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Spartanburg County, SC | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 0 | Under 10 loans | 100.0% |
| Screven County, GA | 0 | Under 10 loans | Not published |
| Washington County, GA | 0 | Under 10 loans | 100.0% |
| Mecklenburg County, NC | 0 | Under 10 loans | 100.0% |
Get told when this changes
When SOUTHERN BANK’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.