Southern Hills Community Bank Mortgage Rates, Fees & Info
Leesburg, OHLEI: 549300LYVRGGGBBPPV22
Tax ID: 31-0352755
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
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: Wilmington, Cincinnati, Washington Court House, Chillicothe, and Dayton among others. We have data for 6 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 average pick rate when compared to similar lenders.
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Originations
71Origination Dollar Volume (All Markets)
$9,165,000Top 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 | 46 | $6,010,000 | $130,652 | $0 | 0.00% |
| Wilmington, OH (FHA|USDA|VA) | 9 | $1,285,000 | $142,778 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 11 | $1,035,000 | $94,091 | $0 | 0.00% |
| Washington Court House, OH (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $0 | 0.00% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 71 | $9,165,000 | $129,085 | $0 | 0.00% |
For 2023, Southern Hills Community Bank's most frequently originated type of loan was Conventional, with 71 originations.
Loan Reason
For 2023, Southern Hills Community Bank's most frequently cited loan purpose was Refi, with 30 originations. The 2nd most popular reason was Home Purchase, with 24 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 71 | $9,165,000 | $129,085 | $0 | 0.00% |
For 2023, Southern Hills Community Bank's most frequently cited loan duration was Other, with 71 originations.
Loan Sizing
2023 saw Southern Hills Community Bank place emphasis on $100,000 or less loans with 41 originations, totaling $2,435,000 in origination value.
Applicant Income
Southern Hills Community Bank lent most frequently to those with incomes in the $50k-75k range, with 20 originations. The second most popular income band? $50k or less, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 71 | $9,165,000 | $129,085 | $0 | 0.00% |
Southern Hills Community Bank lent most frequently to those with DTI ratios of Exempt%, with 71 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 60 | $8,120,000 | $135,333 | $0 | 0.00% |
| Not applicable | 10 | $980,000 | $98,000 | $0 | 0.00% |
| Black | 1 | $65,000 | $65,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications84.44%
Southern Hills Community Bank has a below average approval rate.
Pick Rate
Approvals leading to origination92.96%
Southern Hills Community Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 71 | $9,165,000 | $129,085 |