Southpoint Bank Mortgage Rates, Fees & Info

Birmingham, AL

LEI: 254900E9QYJ6OX8QXL76

Tax ID: 65-1260993

Latest/2023 | 2022 Data | 2021 Data | 2020 Data |

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Mortgage Data

Bank Data

Review & Overview

Southpoint Bank is a smaller bank specializing in Home Purchase and Refi loans. Southpoint Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Birmingham, Decatur, Daphne, Montgomery, and Alexander City among others. We have data for 47 markets. (Some data included below & more in-depth data is available with an active subscription.)

Southpoint Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Southpoint Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.72% 3/27/24
30 Year Conventional Refi 6.51% 3/27/24
30 Year Cash-out Refi 6.80% 3/27/24
30 Year FHA Purchase 7.24% 3/27/24
30 Year FHA Refi 6.83% 3/27/24
30 Year VA Purchase 6.16% 3/27/24
30 Year VA Refi 6.27% 3/27/24
30 Year USDA Purchase 6.68% 3/27/24
15 Year Conventional Purchase 6.27% 3/27/24
15 Year Conventional Refi 7.12% 3/27/24
15 Year Cash-out Refi 7.12% 3/27/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Southpoint Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Southpoint Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,509

Origination Dollar Volume (All Markets)

$333,965,000

Employee count

99 Show all (23) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 740 $183,180,000 $247,541 $2,748 3.18%
DECATUR, AL (FHA|USDA|VA) 194 $32,280,000 $166,392 $3,500 3.09%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 98 $21,290,000 $217,245 $3,107 3.19%
MONTGOMERY, AL (FHA|USDA|VA) 98 $15,940,000 $162,653 $2,692 3.00%
Alexander City, AL (FHA|USDA|VA) 56 $14,910,000 $266,250 $3,106 3.26%
HUNTSVILLE, AL (FHA|USDA|VA) 41 $8,425,000 $205,488 $3,411 4.02%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 47 $8,045,000 $171,170 $2,631 2.57%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 18 $6,660,000 $370,000 $3,934 2.92%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 48 $6,290,000 $131,042 $2,773 3.09%
Talladega-Sylacauga, AL (FHA|USDA|VA) 25 $4,785,000 $191,400 $2,414 3.02%
MOBILE, AL (FHA|USDA|VA) 21 $4,495,000 $214,048 $3,750 2.95%
Outside of Metro Areas 24 $4,080,000 $170,000 $3,614 3.29%
TUSCALOOSA, AL (FHA|USDA|VA) 22 $3,910,000 $177,727 $2,505 3.67%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 15 $3,625,000 $241,667 $2,230 2.83%
PANAMA CITY, FL (FHA|USDA|VA) 8 $3,070,000 $383,750 $5,291 3.50%
Cullman, AL (FHA|USDA|VA) 8 $1,530,000 $191,250 $3,112 3.20%
Jasper, AL (FHA|USDA|VA) 5 $1,335,000 $267,000 $2,459 3.32%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $1,190,000 $595,000 $18,024 2.69%
HATTIESBURG, MS (FHA|USDA|VA) 4 $760,000 $190,000 $2,826 3.09%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $670,000 $335,000 $2,574 2.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $610,000 $305,000 $5,654 3.08%
LaGrange, GA-AL (FHA|USDA|VA) 1 $515,000 $515,000 $4,047 3.25%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $500,000 $250,000 $5,039 3.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $435,000 $435,000 $2,578 2.38%
Selma, AL (FHA|USDA|VA) 2 $430,000 $215,000 $4,943 3.00%
Atmore, AL (FHA|USDA|VA) 2 $400,000 $200,000 $4,642 3.56%
Cullowhee, NC (FHA|USDA|VA) 1 $395,000 $395,000 $2,691 2.75%
Laurel, MS (FHA|USDA|VA) 1 $385,000 $385,000 $5,431 2.38%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $355,000 $355,000 $4,044 2.88%
Lawrenceburg, TN (FHA|USDA|VA) 1 $315,000 $315,000 $2,437 2.63%
West Point, MS (FHA|USDA|VA) 1 $305,000 $305,000 $2,337 2.75%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $280,000 $140,000 $2,789 4.19%
GADSDEN, AL (FHA|USDA|VA) 2 $260,000 $130,000 $38 3.19%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $245,000 $245,000 $2,054 3.50%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $53 3.25%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $235,000 $235,000 $3,154 2.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $215,000 $215,000 $2,288 3.38%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,955 2.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $185,000 $185,000 $3,379 3.75%
Fort Payne, AL (FHA|USDA|VA) 1 $175,000 $175,000 $5,539 4.63%
Troy, AL (FHA|USDA|VA) 1 $175,000 $175,000 $4,891 3.25%
DOTHAN, AL (FHA|USDA|VA) 1 $155,000 $155,000 $3,620 2.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $115,000 $115,000 $4 2.88%
Albertville, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,010 3.00%
Eufaula, AL-GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,245 3.00%
Rio Grande City-Roma, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,890 4.00%
JACKSON, MS (FHA|USDA|VA) 1 $65,000 $65,000 $1,859 3.75%
Southpoint Bank's top markets include Birmingham, Decatur, Daphne, Montgomery, and Alexander City among others.

Their top states include:
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,013 $242,645,000 $239,531 $2,628 3.25%
    FHA 311 $53,175,000 $170,981 $3,807 3.04%
    VA 93 $23,575,000 $253,495 $4,624 2.78%
    USDA 92 $14,570,000 $158,370 $2,106 2.97%

    For 2020, Southpoint Bank's most frequently originated type of loan was Conventional, with 1,013 originations. Their 2nd most popular type was FHA, with 311 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,018 $214,920,000 $211,120 $2,782 3.25%
    Refi 357 $90,945,000 $254,748 $3,096 2.91%
    Cash Out Refi 117 $25,765,000 $220,214 $4,104 3.11%
    Other 12 $1,630,000 $135,833 $3,320 3.25%
    Home Improvement 5 $705,000 $141,000 $3,864 4.00%

    For 2020, Southpoint Bank's most frequently cited loan purpose was Home Purchase, with 1,018 originations. The 2nd most popular reason was Refi, with 357 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,323 $289,995,000 $219,195 $3,005 3.16%
    15 Year 105 $20,005,000 $190,524 $2,737 2.71%
    20 Year 35 $12,035,000 $343,857 $3,546 3.59%
    10 Year 19 $635,000 $33,421 $429 3.21%
    5 Year 13 $7,405,000 $569,615 $317 4.64%
    Other 9 $3,025,000 $336,111 $3,695 3.79%
    1 Year 4 $760,000 $190,000 $0 4.88%
    3 Year 1 $105,000 $105,000 $4,919 5.95%

    For 2020, Southpoint Bank's most frequently cited loan duration was 30 Year, with 1,323 originations. The 2nd most popular length was 15 Year, with 105 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,056 $225,810,000 $213,835
    $1k-2k 179 $30,835,000 $172,263
    $2k-3k 123 $24,815,000 $201,748
    $3k-4k 66 $14,860,000 $225,152
    $4k-5k 33 $8,015,000 $242,879
    $5k+ 30 $14,330,000 $477,667

    Southpoint Bank's average total fees were $3,005, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,056 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 698 $150,430,000 $215,516
    3-4% 502 $112,870,000 $224,841
    <2.5% 183 $41,615,000 $227,404
    4-5% 79 $23,425,000 $296,519
    5-6% 47 $5,625,000 $119,681

    During 2020, Southpoint Bank's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 2.5-3%, with 698 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 622 $169,420,000 $272,379 $3,268 3.04%
    $100k-200k 620 $93,670,000 $151,081 $2,752 3.19%
    $100,000 or less 169 $11,805,000 $69,852 $2,059 3.44%
    $400k-600k 87 $41,835,000 $480,862 $3,155 3.06%
    $1MM+ 6 $13,500,000 $2,250,000 $23,602 4.35%
    $600k-1MM 5 $3,735,000 $747,000 $16,358 4.18%

    2020 saw Southpoint Bank place emphasis on $200k-400k loans with 622 originations, totaling $169,420,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 397 $71,205,000 $179,358 $2,763 3.13%
    $50k or less 370 $51,750,000 $139,865 $2,353 3.10%
    $100k-150k 282 $75,520,000 $267,801 $3,476 3.22%
    $75k-100k 247 $55,105,000 $223,097 $3,188 3.17%
    $150k-250k 134 $44,670,000 $333,358 $3,494 3.11%
    $250k+ 31 $14,535,000 $468,871 $4,214 3.25%

    Southpoint Bank lent most frequently to those with incomes in the $50k-75k range, with 397 originations. The second most popular income band? $50k or less, with 370 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 353 $75,335,000 $213,414 $2,976 3.14%
    30-36% 294 $63,630,000 $216,429 $2,838 3.10%
    <20% 172 $32,270,000 $187,616 $2,992 3.30%
    50-60% 76 $17,610,000 $231,711 $3,863 3.06%
    43% 70 $15,140,000 $216,286 $2,909 3.18%
    42% 63 $12,915,000 $205,000 $3,078 3.20%
    40% 58 $13,000,000 $224,138 $3,482 3.29%
    36% 49 $8,955,000 $182,755 $2,789 3.18%
    38% 45 $10,495,000 $233,222 $2,740 2.99%
    37% 43 $10,095,000 $234,767 $3,360 3.28%
    39% 42 $9,450,000 $225,000 $2,391 3.06%
    44% 39 $8,185,000 $209,872 $2,599 3.16%
    41% 38 $10,270,000 $270,263 $2,592 3.06%
    45% 36 $7,780,000 $216,111 $2,844 3.02%
    46% 26 $5,170,000 $198,846 $2,606 3.14%
    48% 24 $5,150,000 $214,583 $2,761 2.93%
    49% 24 $5,470,000 $227,917 $2,762 3.03%
    47% 13 $2,755,000 $211,923 $3,203 3.13%
    >60% 1 $235,000 $235,000 $4,198 2.75%

    Southpoint Bank lent most frequently to those with DTI ratios of 20-30%, with 353 originations. The next most common DTI ratio? 30-36%, with 294 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,276 $276,480,000 $216,677 $3,006 3.16%
    Black 153 $29,575,000 $193,301 $2,820 3.04%
    Not applicable 21 $15,145,000 $721,190 $0 4.52%
    Not provided 37 $8,145,000 $220,135 $2,871 3.05%
    Asian 14 $3,040,000 $217,143 $1,629 3.09%
    American Indian 7 $1,395,000 $199,286 $2,653 2.89%
    Asian Indian 1 $185,000 $185,000 $0 3.50%

    Approval Rates

    Total approvals of all applications
    97.00%

    Southpoint Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    79.79%

    Southpoint Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,509 $333,965,000 $221,315

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $6,835,000 $2,278,333
    Single Family (1-4 Units):Site-Built 1,506 $327,130,000 $217,218

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 30 $4,520,000 $150,667 $2,289 2.72%
    40-60% 93 $17,105,000 $183,925 $2,938 3.29%
    60-80% 435 $109,945,000 $252,747 $3,199 3.34%
    80-100% 904 $195,180,000 $215,907 $2,815 3.08%
    Over 100% 24 $6,760,000 $281,667 $8,148 2.72%
    Under 20% 23 $455,000 $19,783 $245 3.46%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    1ST FINANCIAL, INC. Conventional home mortgage Closing on a mortgage 1 33.3%
    1ST FINANCIAL, INC. FHA mortgage Trouble during payment process 1 33.3%
    1ST FINANCIAL, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Southpoint Bank 1101 Main Street Gardendale, AL 35071 Full Service B&M $41,204
    Southpoint Bank 3501 Grandview Parkway Birmingham, AL 35243 Full Service B&M $269,249
    Southpoint Bank 7278 Gadsden Highway Trussville, AL 35173 Full Service B&M $50,824
    Southpoint Bank 9833 North Main Street Wilsonville, AL 35186 Full Service B&M $53,088

    For 2020, Southpoint Bank had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $22,121
    Net interest income $17,681
    Total noninterest income $15,181
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $284
    Trading account gains and fees $0
    Additional Noninterest Income $14,897
    Pre-tax net operating income $9,471
    Securities gains (or losses, -) $86
    Income before extraordinary items $7,448
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,448
    Minority interest net income $0
    Net income $7,448
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,380

    Southpoint Bank's gross interest income from loans was $22,121,000.
    Southpoint Bank's net interest income from loans was $17,681,000.
    Southpoint Bank's fee based income from loans was $284,000.
    Southpoint Bank's net income from loans was $7,448,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,440
    Provision for credit losses $2,252
    Total noninterest expense $21,139
    Salaries and employee benefits $14,831
    Premises and equipment expense $878
    Additional noninterest expense $5,430
    Applicable income taxes $2,109
    Net charge-offs $105
    Cash dividends $1,000

    Southpoint Bank's interest expense for loans was $4,440,000.
    Southpoint Bank's payroll and benefits expense were $14,831,000.
    Southpoint Bank's property, plant and equipment expenses $878,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $433,487
    Deposits held in domestic offices $433,487
    Deposits by Individuals, partnerships, and corporations $373,686
    Deposits by U.S. Government $27,545
    Deposits by States and political subdivisions in the U.S. $30,524
    Deposits by Commercial banks and other depository institutions in U.S. $1,732
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $23,605
    Demand deposits $19,032
    Nontransaction accounts $409,882
    Money market deposit accounts (MMDAs) $252,487
    Other savings deposits (excluding MMDAs) $13,185
    Total time deposits $144,210
    Total time and savings deposits $414,455
    Noninterest-bearing deposits $92,500
    Interest-bearing deposits $340,988
    Retail deposits $340,732
    IRAs and Keogh plan accounts $4,126
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $576,023
    Cash & Balances due from depository institutions $15,631
    Interest-bearing balances $12,357
    Total securities $79,615
    Federal funds sold & reverse repurchase $0
    Net loans and leases $455,052
    Loan and leases loss allowance $5,733
    Trading account assets $0
    Bank premises and fixed assets $12,127
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $13,598

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $576,023
    Total Liabilities $529,069
    Total deposits $433,487
    Interest-bearing deposits $340,988
    Deposits held in domestic offices $433,487
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $80,454
    Subordinated debt $0
    All other liabilities $15,128

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $455,052
    Loan and leases loss allowance $5,733
    Total loans and leases (domestic) $460,785
    All real estate loans $294,850
    Real estate loans in domestic offices $294,850
    Construction and development loans $65,913
    Residential 1-4 family construction $37,893
    Other construction, all land development and other land $28,020
    Loans secured by nonfarm nonresidential properties $128,469
    Nonfarm nonresidential secured by owner-occupied properties $69,273
    Commercial real estate & other non-farm, non-residential $59,196
    Multifamily residential real estate $17,842
    1-4 family residential loans $81,551
    Farmland loans $1,075
    Loans held in foreign offices $0
    Farm loans $17
    Commercial and industrial loans $159,071
    To non-U.S. addressees $0
    Loans to individuals $2,993
    Credit card loans $0
    Related Plans $30
    Consumer Auto Loans $69
    Other loans to individuals $2,894
    All other loans & leases $3,853
    Loans to foreign governments and official institutions $0
    Other loans $3,853
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $17,674
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    SouthPoint Bank had $455,052,000 of loans outstanding in 2020. $294,850,000 of loans were in real estate loans. $65,913,000 of loans were in development loans. $17,842,000 of loans were in multifamily mortgage loans. $81,551,000 of loans were in 1-4 family mortgage loans. $17,000 of loans were in farm loans. $0 of loans were in credit card loans. $69,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 103 $34,144 $331,495
    Nonfarm, nonresidential loans - <$100k 11 $544 $49,455
    Nonfarm, nonresidential loans - $100-250k 21 $2,559 $121,857
    Nonfarm, nonresidential loans - $250k-1MM 71 $31,041 $437,197
    Commercial & Industrial, US addressed loans - <$1MM 1,007 $99,719 $99,026
    Commercial & Industrial, US addressed loans - <$100k 633 $20,376 $32,190
    Commercial & Industrial, US addressed loans - $100-250k 199 $24,047 $120,839
    Commercial & Industrial, US addressed loans - $250k-1MM 175 $55,296 $315,977
    Farmland loans - <$1MM 1 $14 $14,000
    Farmland loans - <$100k 1 $14 $14,000
    Agriculture operations loans - <$1MM 1 $17 $17,000
    Agriculture operations loans - <$100k 1 $17 $17,000