SouthPoint Bank
SouthPoint Bank received 834 applications in 2025 and made 632 mortgages, in 49 counties across 5 states. The median rate its borrowers got was 6.250% on a median loan of $235,000. Of 672 decisions, 28 were denials — 4.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900E9QYJ6OX8QXL76 |
|---|---|
| Applications received | 834 |
| Mortgages made | 632 |
| Denied | 28 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 162 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | 0.106 points |
| FDIC-insured bank | Yes: SouthPoint Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 584 | 6.250% | $235,000 | 3.3% |
| Refinancing | 26 | 6.688% | $250,000 | 15.6% |
| Cash-out refinancing | 15 | 6.375% | $215,000 | 16.7% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 0.0% |
Where SouthPoint Bank lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, AL | 126 | 6.250% | 3.7% |
| Shelby County, AL | 109 | 6.375% | 6.0% |
| St. Clair County, AL | 83 | 6.250% | 6.6% |
| Morgan County, AL | 52 | 6.500% | 1.9% |
| Calhoun County, AL | 44 | 6.000% | 2.1% |
| Limestone County, AL | 29 | 5.750% | 0.0% |
| Madison County, AL | 23 | 5.750% | 0.0% |
| Montgomery County, AL | 19 | 6.000% | 4.6% |
| Lawrence County, AL | 17 | 6.625% | 5.3% |
| Talladega County, AL | 16 | 6.313% | 0.0% |
| Autauga County, AL | 15 | 6.000% | 6.3% |
| Cullman County, AL | 14 | 6.813% | 0.0% |
| Elmore County, AL | 14 | 5.750% | 12.5% |
| Blount County, AL | 8 | Under 10 loans | 0.0% |
| Bay County, FL | 7 | Under 10 loans | 0.0% |
| Colbert County, AL | 6 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 5 | Under 10 loans | 0.0% |
| Baldwin County, AL | 4 | Under 10 loans | 20.0% |
| Chilton County, AL | 4 | Under 10 loans | 0.0% |
| Etowah County, AL | 4 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 4 | Under 10 loans | 0.0% |
| Walker County, AL | 4 | Under 10 loans | 0.0% |
| Marshall County, AL | 3 | Under 10 loans | 0.0% |
| Walton County, FL | 3 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 2 | Under 10 loans | 0.0% |
| Barbour County, AL | 1 | Under 10 loans | 0.0% |
| Bibb County, AL | 1 | Under 10 loans | 0.0% |
| Clay County, AL | 1 | Under 10 loans | 0.0% |
| Coffee County, AL | 1 | Under 10 loans | 0.0% |
| Coosa County, AL | 1 | Under 10 loans | 0.0% |
| Dallas County, AL | 1 | Under 10 loans | 0.0% |
| Escambia County, AL | 1 | Under 10 loans | 0.0% |
| Jackson County, AL | 1 | Under 10 loans | 0.0% |
| Randolph County, AL | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Madison County, MS | 1 | Under 10 loans | 0.0% |
| Hickman County, TN | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Shelby County, TN | 1 | Under 10 loans | 0.0% |
| Sumner County, TN | 1 | Under 10 loans | 0.0% |
| Cleburne County, AL | 0 | Under 10 loans | Not published |
| Lee County, AL | 0 | Under 10 loans | Not published |
| Macon County, AL | 0 | Under 10 loans | Not published |
| Mobile County, AL | 0 | Under 10 loans | Not published |
| Monroe County, AL | 0 | Under 10 loans | Not published |
| Escambia County, FL | 0 | Under 10 loans | 100.0% |
| Bartow County, GA | 0 | Under 10 loans | 100.0% |
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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.