Southside Bank
Southside Bank received 743 applications in 2025 and made 312 mortgages, in 74 counties across 4 states. The median rate its borrowers got was 6.875% on a median loan of $215,000. Of 545 decisions, 230 were denials — 42.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300BEM32ZRV7MJ178 |
|---|---|
| Applications received | 743 |
| Mortgages made | 312 |
| Denied | 230 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 198 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.463 points |
| FDIC-insured bank | Yes: Southside Bank, 58 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 198 | 6.750% | $265,000 | 39.6% |
| Refinancing | 16 | 6.875% | $220,000 | 44.8% |
| Cash-out refinancing | 35 | 6.875% | $185,000 | 46.2% |
| Other purposes | 63 | 7.250% | $95,000 | 46.7% |
Where Southside Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Smith County, TX | 90 | 6.875% | 37.9% |
| Angelina County, TX | 32 | 6.750% | 37.3% |
| Tarrant County, TX | 32 | 6.750% | 36.0% |
| Nacogdoches County, TX | 13 | 6.875% | 38.1% |
| Harris County, TX | 12 | 7.113% | 12.5% |
| Parker County, TX | 12 | 6.938% | 20.0% |
| Montgomery County, TX | 11 | 7.000% | 56.0% |
| Johnson County, TX | 10 | 6.688% | 33.3% |
| Dallas County, TX | 9 | Under 10 loans | 40.0% |
| Gregg County, TX | 7 | Under 10 loans | 36.4% |
| Travis County, TX | 7 | Under 10 loans | 22.2% |
| Henderson County, TX | 5 | Under 10 loans | 66.7% |
| Hood County, TX | 5 | Under 10 loans | 16.7% |
| Jasper County, TX | 5 | Under 10 loans | 54.6% |
| Anderson County, TX | 4 | Under 10 loans | 42.9% |
| Grayson County, TX | 4 | Under 10 loans | 20.0% |
| Liberty County, TX | 4 | Under 10 loans | 55.6% |
| Denton County, TX | 3 | Under 10 loans | 25.0% |
| San Jacinto County, TX | 3 | Under 10 loans | 62.5% |
| Upshur County, TX | 3 | Under 10 loans | 0.0% |
| Brazos County, TX | 2 | Under 10 loans | 0.0% |
| Cherokee County, TX | 2 | Under 10 loans | 84.6% |
| Ellis County, TX | 2 | Under 10 loans | 66.7% |
| Polk County, TX | 2 | Under 10 loans | 25.0% |
| Sabine County, TX | 2 | Under 10 loans | 66.7% |
| Trinity County, TX | 2 | Under 10 loans | 0.0% |
| Williamson County, TX | 2 | Under 10 loans | 33.3% |
| Wise County, TX | 2 | Under 10 loans | 60.0% |
| Wood County, TX | 2 | Under 10 loans | 75.0% |
| Bossier Parish, LA | 1 | Under 10 loans | 0.0% |
| Iberia Parish, LA | 1 | Under 10 loans | 0.0% |
| Jefferson Parish, LA | 1 | Under 10 loans | 0.0% |
| Bastrop County, TX | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Comanche County, TX | 1 | Under 10 loans | 0.0% |
| Fannin County, TX | 1 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 50.0% |
| Freestone County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Grimes County, TX | 1 | Under 10 loans | 0.0% |
| Hamilton County, TX | 1 | Under 10 loans | 0.0% |
| Harrison County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Kaufman County, TX | 1 | Under 10 loans | 85.7% |
| Navarro County, TX | 1 | Under 10 loans | 0.0% |
| Newton County, TX | 1 | Under 10 loans | 0.0% |
| San Augustine County, TX | 1 | Under 10 loans | 50.0% |
| Titus County, TX | 1 | Under 10 loans | 0.0% |
| Tom Green County, TX | 1 | Under 10 loans | 0.0% |
| Tyler County, TX | 1 | Under 10 loans | 0.0% |
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When Southside 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.