SOUTHPOINT FINANCIAL
SOUTHPOINT FINANCIAL received 418 applications in 2025 and made 311 mortgages, in 49 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 351 decisions, 40 were denials — 11.4%.
| Legal Entity Identifier | 549300VPYRW4D9VH0G53 |
|---|---|
| Applications received | 418 |
| Mortgages made | 311 |
| Denied | 40 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 67 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 191 | Not published | $205,000 | 5.0% |
| Refinancing | 70 | Not published | $85,000 | 22.2% |
| Cash-out refinancing | 22 | Not published | $120,000 | 12.0% |
| Other purposes | 28 | Not published | $65,000 | 20.0% |
Where SOUTHPOINT FINANCIAL 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 |
|---|---|---|---|
| Brown County, MN | 107 | Not published | 6.1% |
| McLeod County, MN | 23 | Not published | 14.8% |
| Nicollet County, MN | 22 | Not published | 12.0% |
| Redwood County, MN | 19 | Not published | 32.1% |
| Carver County, MN | 18 | Not published | 5.3% |
| Blue Earth County, MN | 16 | Not published | 5.9% |
| Hennepin County, MN | 15 | Not published | 0.0% |
| Wright County, MN | 7 | Under 10 loans | 36.4% |
| Anoka County, MN | 6 | Under 10 loans | 0.0% |
| Meeker County, MN | 6 | Under 10 loans | 14.3% |
| Renville County, MN | 6 | Under 10 loans | 33.3% |
| Sibley County, MN | 6 | Under 10 loans | 0.0% |
| Watonwan County, MN | 5 | Under 10 loans | 37.5% |
| Dakota County, MN | 4 | Under 10 loans | 0.0% |
| Le Sueur County, MN | 4 | Under 10 loans | 20.0% |
| Kandiyohi County, MN | 3 | Under 10 loans | 0.0% |
| Martin County, MN | 3 | Under 10 loans | 0.0% |
| Ramsey County, MN | 3 | Under 10 loans | 0.0% |
| Stearns County, MN | 3 | Under 10 loans | 0.0% |
| Waseca County, MN | 3 | Under 10 loans | 0.0% |
| Cass County, MN | 2 | Under 10 loans | 0.0% |
| Cottonwood County, MN | 2 | Under 10 loans | 0.0% |
| Kittson County, MN | 2 | Under 10 loans | 0.0% |
| Rock County, MN | 2 | Under 10 loans | 0.0% |
| Scott County, MN | 2 | Under 10 loans | 33.3% |
| Custer County, SD | 2 | Under 10 loans | 0.0% |
| Lawrence County, IN | 1 | Under 10 loans | 0.0% |
| Linn County, IA | 1 | Under 10 loans | 0.0% |
| Osceola County, IA | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Chippewa County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 1 | Under 10 loans | 0.0% |
| Douglas County, MN | 1 | Under 10 loans | 0.0% |
| Faribault County, MN | 1 | Under 10 loans | 0.0% |
| Lyon County, MN | 1 | Under 10 loans | 50.0% |
| Mille Lacs County, MN | 1 | Under 10 loans | 0.0% |
| Morrison County, MN | 1 | Under 10 loans | 0.0% |
| Murray County, MN | 1 | Under 10 loans | 0.0% |
| Nobles County, MN | 1 | Under 10 loans | 0.0% |
| Steele County, MN | 1 | Under 10 loans | 0.0% |
| Todd County, MN | 1 | Under 10 loans | 0.0% |
| Wabasha County, MN | 1 | Under 10 loans | 0.0% |
| Codington County, SD | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Pipestone County, MN | 0 | Under 10 loans | Not published |
| Rice County, MN | 0 | Under 10 loans | 100.0% |
| Oneida County, WI | 0 | Under 10 loans | Not published |
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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.