Southpoint Financial Services Mortgage Rates, Fees & Info

Lawrenceville, GA

LEI: 549300XXIJ7WMGY22535

Tax ID: 58-2363251

4.8 stars - Updated: 6/23/24 - out of 5 stars, based on 25 reviews

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

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Mortgage Data

Review & Overview

Southpoint Financial Services is a smaller mortgage company specializing in Home Purchase loans. They have a a high proportion of FHA loans. Southpoint Financial Services has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Atlanta, Savannah, Orlando, Tampa, and Hinesville among others. We have data for 109 markets. (Some data included below & more in-depth data is available with an active subscription.)

Southpoint Financial Services 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 Financial Services is typically a high 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 relatively high 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.85% 6/23/24
30 Year Conventional Refi 6.88% 6/23/24
30 Year Cash-out Refi 7.00% 6/23/24
30 Year FHA Purchase 7.50% 6/23/24
30 Year FHA Refi 7.65% 6/23/24
30 Year VA Purchase 6.42% 6/23/24
30 Year USDA Purchase 6.99% 6/23/24
30 Year USDA Refi 5.94% 6/23/24
15 Year Conventional Purchase 5.20% 6/23/24
15 Year Conventional Refi 5.90% 6/23/24
15 Year Cash-out Refi 5.90% 6/23/24
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 Financial Services Mortgage Calculator






Your Estimates

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

This is not an official calculator from Southpoint Financial Services. 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

623

Origination Dollar Volume (All Markets)

$170,915,000
Show all (9) awards

Relative Rate

Southpoint Financial Services's average 30 year fixed mortgage rate was 6.76%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.28%.

Relative Fees (Closing Costs)

Southpoint Financial Services's average total fees/closing costs for a 30 year fixed rate mortgage were $8,405.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 208 $68,050,000 $327,163 $9,076 6.62%
SAVANNAH, GA (FHA|USDA|VA) 52 $14,920,000 $286,923 $9,494 7.18%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 34 $11,420,000 $335,882 $8,497 7.03%
Outside of Metro Areas 32 $5,450,000 $170,313 $5,215 6.74%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 15 $5,435,000 $362,333 $9,808 6.94%
HINESVILLE, GA (FHA|USDA|VA) 11 $3,065,000 $278,636 $8,610 7.00%
ALBANY, GA (FHA|USDA|VA) 14 $2,920,000 $208,571 $7,779 7.09%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $2,745,000 $305,000 $7,947 6.50%
Natchitoches, LA (FHA|USDA|VA) 10 $2,440,000 $244,000 $5,034 6.81%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,410,000 $241,000 $6,966 6.88%
Thomaston, GA (FHA|USDA|VA) 13 $2,305,000 $177,308 $5,287 6.74%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 8 $2,100,000 $262,500 $7,535 6.95%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $2,040,000 $340,000 $9,733 6.56%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $2,000,000 $333,333 $8,677 6.88%
ERIE, PA (FHA|USDA|VA) 10 $1,750,000 $175,000 $7,646 6.55%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,675,000 $335,000 $8,888 6.75%
PITTSBURGH, PA (FHA|USDA|VA) 9 $1,595,000 $177,222 $6,372 6.35%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $1,550,000 $387,500 $6,041 6.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 5 $1,545,000 $309,000 $9,086 6.75%
GAINESVILLE, GA (FHA|USDA|VA) 4 $1,500,000 $375,000 $12,078 5.91%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $1,440,000 $240,000 $11,352 7.05%
Douglas, GA (FHA|USDA|VA) 8 $1,400,000 $175,000 $5,716 6.72%
LAFAYETTE, LA (FHA|USDA|VA) 7 $1,315,000 $187,857 $4,108 6.38%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $945,000 $315,000 $19,157 7.04%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $940,000 $470,000 $10,243 6.69%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $845,000 $281,667 $16,515 6.88%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $785,000 $261,667 $11,450 6.50%
Orangeburg, SC (FHA|USDA|VA) 3 $765,000 $255,000 $8,334 7.58%
Moultrie, GA (FHA|USDA|VA) 2 $760,000 $380,000 $7,738 6.63%
COLUMBUS, OH (FHA|USDA|VA) 2 $760,000 $380,000 $17,810 5.69%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $705,000 $235,000 $10,990 6.46%
ASHEVILLE, NC (FHA|USDA|VA) 3 $685,000 $228,333 $6,005 6.50%
ROME, GA (FHA|USDA|VA) 3 $665,000 $221,667 $7,903 7.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $660,000 $330,000 $10,552 7.06%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $630,000 $315,000 $12,814 7.19%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $610,000 $305,000 $17,050 5.87%
Meadville, PA (FHA|USDA|VA) 4 $600,000 $150,000 $3,391 6.50%
Calhoun, GA (FHA|USDA|VA) 2 $600,000 $300,000 $6,885 4.88%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $525,000 $175,000 $6,512 7.08%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $520,000 $260,000 $14,930 6.00%
Somerset, KY (FHA|USDA|VA) 3 $505,000 $168,333 $6,282 6.33%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $500,000 $125,000 $9,221 6.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $495,000 $165,000 $9,353 6.71%
Indiana, PA (FHA|USDA|VA) 2 $490,000 $245,000 $6,069 6.38%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $465,000 $155,000 $6,722 7.21%
COLUMBIA, SC (FHA|USDA|VA) 2 $450,000 $225,000 $4,763 7.13%
FLORENCE, SC (FHA|USDA|VA) 3 $445,000 $148,333 $5,040 7.17%
Statesboro, GA (FHA|USDA|VA) 2 $430,000 $215,000 $9,165 6.50%
VALDOSTA, GA (FHA|USDA|VA) 1 $405,000 $405,000 $9,157 6.38%
Jesup, GA (FHA|USDA|VA) 1 $405,000 $405,000 $7,999 7.50%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $400,000 $200,000 $8,729 7.06%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $395,000 $395,000 $3,380 7.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $380,000 $190,000 $10,406 7.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $375,000 $375,000 $11,030 6.63%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $370,000 $185,000 $7,319 6.00%
Crossville, TN (FHA|USDA|VA) 1 $355,000 $355,000 $13,800 6.63%
LOUISVILLE, KY (FHA|USDA|VA) 2 $350,000 $175,000 $12,152 6.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $345,000 $345,000 $1,210 6.75%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $345,000 $345,000 $13,513 6.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $335,000 $335,000 $8,970 5.25%
THE VILLAGES, FL (FHA|USDA|VA) 2 $330,000 $165,000 $5,077 6.63%
Jefferson, GA (FHA|USDA|VA) 1 $325,000 $325,000 $13,489 6.13%
Opelousas, LA (FHA|USDA|VA) 1 $325,000 $325,000 $6,264 7.00%
Sanford, NC (FHA|USDA|VA) 1 $315,000 $315,000 $10,372 6.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $315,000 $315,000 $20,030 6.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $300,000 $150,000 $12,437 7.44%
Morgan City, LA (FHA|USDA|VA) 2 $300,000 $150,000 $3,143 6.56%
OCALA, FL (FHA|USDA|VA) 1 $295,000 $295,000 $16,673 6.50%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $290,000 $145,000 $2,973 7.25%
DECATUR, AL (FHA|USDA|VA) 1 $285,000 $285,000 $5,582 7.50%
Dublin, GA (FHA|USDA|VA) 2 $280,000 $140,000 $3,977 6.43%
AKRON, OH (FHA|USDA|VA) 2 $270,000 $135,000 $4,561 6.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $245,000 $245,000 $15,479 7.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $245,000 $245,000 $5,789 6.75%
Cedartown, GA (FHA|USDA|VA) 1 $235,000 $235,000 $10,037 7.00%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $225,000 $225,000 $11,891 7.50%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $225,000 $225,000 $13,400 7.25%
LaGrange, GA-AL (FHA|USDA|VA) 1 $225,000 $225,000 $10,349 5.75%
Dyersburg, TN (FHA|USDA|VA) 1 $215,000 $215,000 $11,927 5.75%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $215,000 $215,000 $4,265 6.88%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $215,000 $215,000 $14,110 6.38%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $205,000 $205,000 $2,177 6.63%
GAINESVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $9,304 7.13%
Americus, GA (FHA|USDA|VA) 1 $195,000 $195,000 $8,756 6.75%
Newberry, SC (FHA|USDA|VA) 1 $195,000 $195,000 $5,476 7.63%
Athens, TN (FHA|USDA|VA) 1 $185,000 $185,000 $13,915 6.75%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $185,000 $185,000 $12,017 7.25%
SPARTANBURG, SC (FHA|USDA|VA) 1 $175,000 $175,000 $3,255 6.13%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $10,796 7.25%
Tifton, GA (FHA|USDA|VA) 1 $175,000 $175,000 $5,715 7.13%
KNOXVILLE, TN (FHA|USDA|VA) 1 $165,000 $165,000 $12,150 6.75%
North Wilkesboro, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,513 6.99%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,812 7.25%
RICHMOND, VA (FHA|USDA|VA) 1 $155,000 $155,000 $11,997 6.38%
Toccoa, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,051 5.00%
Kinston, NC (FHA|USDA|VA) 1 $145,000 $145,000 $7,973 6.00%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $145,000 $145,000 $9,149 6.99%
MONTGOMERY, AL (FHA|USDA|VA) 1 $135,000 $135,000 $5,595 7.88%
MONROE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $10,020 7.13%
Pottsville, PA (FHA|USDA|VA) 1 $115,000 $115,000 $2,627 7.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $105,000 $105,000 $8,838 6.75%
Central City, KY (FHA|USDA|VA) 1 $95,000 $95,000 $8,722 7.63%
Fremont, OH (FHA|USDA|VA) 1 $95,000 $95,000 $2,510 7.25%
Cordele, GA (FHA|USDA|VA) 1 $95,000 $95,000 $6,810 7.99%
Zanesville, OH (FHA|USDA|VA) 1 $95,000 $95,000 $1,849 7.38%
Norwalk, OH (FHA|USDA|VA) 1 $85,000 $85,000 $1,903 6.25%
Shelby, NC (FHA|USDA|VA) 1 $75,000 $75,000 $7,835 7.38%
DuBois, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,111 6.50%
Paducah, KY-IL (FHA|USDA|VA) 1 $55,000 $55,000 $4,957 5.50%
Southpoint Financial Services's top markets include Atlanta, Savannah, Orlando, Tampa, and Hinesville among others.

Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 321 $85,305,000 $265,748 $9,856 6.71%
    Conventional 199 $56,625,000 $284,548 $7,272 6.81%
    VA 62 $21,900,000 $353,226 $7,645 6.85%
    USDA 39 $6,635,000 $170,128 $4,015 6.55%
    HELOC 1 $225,000 $225,000 n/a 7.00%
    FHA 1 $225,000 $225,000 $0 8.17%

    For 2023, Southpoint Financial Services's most frequently originated type of loan was FHA, with 321 originations. Their 2nd most popular type was Conventional, with 199 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 510 $145,840,000 $285,961 $7,641 6.77%
    Cash Out Refi 101 $21,835,000 $216,188 $12,429 6.66%
    Refi 12 $3,240,000 $270,000 $9,082 6.66%

    For 2023, Southpoint Financial Services's most frequently cited loan purpose was Home Purchase, with 510 originations. The 2nd most popular reason was Cash Out Refi, with 101 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 611 $167,805,000 $274,640 $8,405 6.76%
    15 Year 7 $1,905,000 $272,143 $10,530 5.89%
    20 Year 3 $465,000 $155,000 $10,399 6.54%
    Other 2 $740,000 $370,000 $10,264 7.40%

    For 2023, Southpoint Financial Services's most frequently cited loan duration was 30 Year, with 611 originations. The 2nd most popular length was 15 Year, with 7 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 185 $54,875,000 $296,622
    $3k-4k 73 $18,405,000 $252,123
    $4k-5k 46 $11,810,000 $256,739
    $1k-2k 42 $10,980,000 $261,429
    $<1k 37 $8,145,000 $220,135
    $2k-3k 34 $9,920,000 $291,765

    Southpoint Financial Services's average total fees were $8,405, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 185 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 283 $77,205,000 $272,809
    7-8% 225 $59,435,000 $264,156
    5-6% 101 $29,985,000 $296,881
    Over 8% 7 $2,165,000 $309,286
    4-5% 6 $1,810,000 $301,667
    3-4% 1 $315,000 $315,000

    During 2023, Southpoint Financial Services's average interest rate for loans was 6.76%, while their most frequently originated rate bucket for loans was 6-7%, with 283 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 320 $91,760,000 $286,750 $8,799 6.72%
    $100k-200k 173 $26,665,000 $154,133 $6,406 6.80%
    $400k-600k 92 $43,510,000 $472,935 $12,111 6.68%
    $100,000 or less 28 $2,290,000 $81,786 $5,025 6.93%
    $600k-1MM 10 $6,690,000 $669,000 $7,578 6.76%

    2023 saw Southpoint Financial Services place emphasis on $200k-400k loans with 320 originations, totaling $91,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 162 $34,090,000 $210,432 $7,354 6.69%
    $100k-150k 150 $48,850,000 $325,667 $9,737 6.77%
    $75k-100k 141 $39,945,000 $283,298 $8,473 6.78%
    $150k-250k 81 $31,855,000 $393,272 $9,412 6.84%
    $50k or less 73 $9,885,000 $135,411 $6,555 6.65%
    $250k+ 16 $6,290,000 $393,125 $10,552 6.80%

    Southpoint Financial Services lent most frequently to those with incomes in the $50k-75k range, with 162 originations. The second most popular income band? $100k-150k, with 150 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 104 $31,960,000 $307,308 $10,403 6.58%
    30-36% 73 $18,605,000 $254,863 $7,004 6.77%
    20-30% 53 $12,105,000 $228,396 $7,482 6.66%
    45% 37 $11,205,000 $302,838 $9,253 6.84%
    46% 36 $10,340,000 $287,222 $7,492 6.76%
    49% 36 $9,830,000 $273,056 $9,123 6.74%
    48% 32 $8,890,000 $277,813 $9,068 6.83%
    43% 31 $8,135,000 $262,419 $8,688 6.81%
    47% 30 $8,220,000 $274,000 $8,080 6.95%
    40% 30 $8,170,000 $272,333 $7,290 6.82%
    41% 30 $8,630,000 $287,667 $7,293 6.76%
    44% 27 $8,595,000 $318,333 $9,881 6.71%
    38% 19 $4,395,000 $231,316 $7,188 6.86%
    <20% 18 $5,200,000 $288,889 $8,013 6.77%
    37% 18 $4,600,000 $255,556 $7,537 6.77%
    42% 17 $4,445,000 $261,471 $9,498 6.89%
    39% 14 $3,570,000 $255,000 $8,789 6.87%
    36% 14 $3,360,000 $240,000 $7,551 6.58%
    >60% 4 $660,000 $165,000 $4,039 6.63%

    Southpoint Financial Services lent most frequently to those with DTI ratios of 50-60%, with 104 originations. The next most common DTI ratio? 30-36%, with 73 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 342 $91,070,000 $266,287 $7,792 6.66%
    Black 265 $74,945,000 $282,811 $9,242 6.87%
    Asian 11 $3,745,000 $340,455 $9,813 6.67%
    Native Hawaiian or Islander 1 $485,000 $485,000 $21,377 6.88%
    American Indian 3 $455,000 $151,667 $4,010 6.46%
    Asian Indian 1 $215,000 $215,000 $3,244 6.13%

    Approval Rates

    Total approvals of all applications
    98.75%

    Southpoint Financial Services 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
    22.15%

    Southpoint Financial Services has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 623 $170,915,000 $274,342

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    623 $170,915,000 $274,342

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 13 $1,875,000 $144,231 $7,555 6.48%
    40-60% 39 $7,545,000 $193,462 $8,122 6.59%
    60-80% 103 $24,155,000 $234,515 $9,805 6.74%
    80-100% 443 $130,965,000 $295,632 $8,195 6.77%
    Over 100% 25 $6,375,000 $255,000 $8,136 6.80%