Southern Hills Community Bank Mortgage Rates, Fees & Info

Leesburg, OH

LEI: 549300LYVRGGGBBPPV22

Tax ID: 31-0352755

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Southern Hills Community Bank is a smaller bank specializing in Refi and Home Purchase loans. Southern Hills Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Cincinnati, Wilmington, Washington Court House, Chillicothe, and Dayton among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Southern Hills Community Bank has an average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

    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.

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    Originations

    58

    Origination Dollar Volume (All Markets)

    $8,280,000

    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
    Outside of Metro Areas 35 $4,635,000 $132,429 $0 0.00%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 9 $1,435,000 $159,444 $0 0.00%
    Wilmington, OH (FHA|USDA|VA) 6 $1,160,000 $193,333 $0 0.00%
    Washington Court House, OH (FHA|USDA|VA) 4 $530,000 $132,500 $0 0.00%
    Chillicothe, OH (FHA|USDA|VA) 2 $290,000 $145,000 $0 0.00%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    Portsmouth, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    Southern Hills Community Bank's top markets include Cincinnati, Wilmington, Washington Court House, Chillicothe, and Dayton among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 58 $8,280,000 $142,759 $0 0.00%

    For 2024, Southern Hills Community Bank's most frequently originated type of loan was Conventional, with 58 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 23 $4,175,000 $181,522 $0 0.00%
    Home Purchase 21 $2,965,000 $141,190 $0 0.00%
    Other 8 $550,000 $68,750 $0 0.00%
    Home Improvement 6 $590,000 $98,333 $0 0.00%

    For 2024, Southern Hills Community Bank's most frequently cited loan purpose was Refi, with 23 originations. The 2nd most popular reason was Home Purchase, with 21 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 58 $8,280,000 $142,759 $0 0.00%

    For 2024, Southern Hills Community Bank's most frequently cited loan duration was Other, with 58 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 23 $1,295,000 $56,304 $0 0.00%
    $100k-200k 20 $2,710,000 $135,500 $0 0.00%
    $200k-400k 13 $3,395,000 $261,154 $0 0.00%
    $400k-600k 2 $880,000 $440,000 $0 0.00%

    2024 saw Southern Hills Community Bank place emphasis on $100,000 or less loans with 23 originations, totaling $1,295,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 14 $2,330,000 $166,429 $0 0.00%
    $75k-100k 12 $1,360,000 $113,333 $0 0.00%
    $50k-75k 10 $980,000 $98,000 $0 0.00%
    $150k-250k 6 $1,180,000 $196,667 $0 0.00%
    $50k or less 6 $350,000 $58,333 $0 0.00%
    $250k+ 4 $1,210,000 $302,500 $0 0.00%

    Southern Hills Community Bank lent most frequently to those with incomes in the $100k-150k range, with 14 originations. The second most popular income band? $75k-100k, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 58 $8,280,000 $142,759 $0 0.00%

    Southern Hills Community Bank lent most frequently to those with DTI ratios of Exempt%, with 58 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 53 $7,545,000 $142,358 $0 0.00%
    Not applicable 5 $735,000 $147,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.24%

    Southern Hills Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    96.55%

    Southern Hills Community Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 58 $8,280,000 $142,759

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    58 $8,280,000 $142,759