Lender in Alabama · HMDA 2025
SouthPoint Bank mortgages in Alabama
SouthPoint Bank's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
SouthPoint Bank originated 508 owner-occupied single-family loans in Alabama from 538 completed applications.
Its median conventional purchase loan costs were $3,560 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.50% (Alabama: 6.562%).
Loans in AL
508
of 538 applications
Denial rate
3.3%
Purchase · AL 9.1%
Rate spread
+0.04 pts
Conv. · AL +0.17 pts
Loan amount
$255,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 492 | 471 | 3.3% | 6.500% | +0.04 pts | $3,560 | $255,000 |
| Refinance | 28 | 22 | 17.9% | — | — | — | $235,000 |
| Cash-out refinance | 18 | 15 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where SouthPoint Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| St. Clair County | 4 | 68 | 4.2% |
| Lawrence County | 4 | 16 | 4.8% |
| Morgan County | 9 | 50 | 2.9% |
| Calhoun County | 9 | 33 | 2.4% |
| Shelby County | 10 | 97 | 2.3% |
| Talladega County | 16 | 12 | 1.4% |
| Jefferson County | 18 | 106 | 1.4% |
| Clay County | 19 | 1 | 1.2% |
| Autauga County | 21 | 13 | 1.3% |
| Limestone County | 25 | 25 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology