We analyzed every closed loan from SouthPoint Bank — 526 loans across 727 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
SouthPoint Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+21.9 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
261 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
FHA
210 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
VA
33 loans · 0.19% below market
Strong
Top 40% of lenders
4/5
USDA
19 loans · 0.03% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
500 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
Refinance
26 loans · 0.15% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 261 | 49.6% | +0.178%Above | $3,059Fees | ||||
FHA Loans | 210 | 39.9% | +0.394%Above | $937Fees | ||||
VA Loans | — | 33 | 6.3% | -0.192%Below | $3,050Fees | |||
USDA Loans | — | 19 | 3.6% | -0.033%Below | $1,108Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume261
Mix49.6%
Spread
+0.178%Above
Fees
$3,059Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume210
Mix39.9%
Spread
+0.394%Above
Fees
$937Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume33
Mix6.3%
Spread
-0.192%Below
Fees
$3,050Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix3.6%
Spread
-0.033%Below
Fees
$1,108Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 500 | 95.1% | +0.225%Above | $2,194Fees | ||||
Refinance | 26 | 4.9% | +0.148%Above | $4,411Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume500
Mix95.1%
Spread
+0.225%Above
Fees
$2,194Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughSound
Volume26
Mix4.9%
Spread
+0.148%Above
Fees
$4,411Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
526
Applications
727
Volume
$142 million
Pricing & Closing
Avg Rate Spread
+0.219%
vs. market APOR
Avg Net Fees
$2,381
Origination − Credits
Pullthrough Rate
72.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$271,122
Avg Borrower Income
$104,221
Avg Property Value
$327,129
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 500500+None
South5
ALFLGAMSTN
West1
AZ
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.