What loan types does Southside Bank offer?

Southside Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Southside Bank offer mortgages?

Southside Bank offers mortgages in 5 states: CO, HI, NM, OK, TX.

How competitive are Southside Bank's mortgage rates?

Southside Bank has an overall pricing score of 50.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Southside Bank?

Southside Bank is a Bank headquartered in Tyler, TX.

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Southside Bank

Bank•Tyler, TXHQ•Direct•Reviews near you on Google

Southside Bank has 185 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

FHA · Conventional · Jumbo

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Southside Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+50.1 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

157 loans · 0.51% above market

Sound

Top 60% of lenders

3/5

FHA

12 loans · 0.40% above market

Sound

Top 60% of lenders

3/5

Jumbo

16 loans · 0.47% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

150 loans · 0.45% above market

Sound

Top 60% of lenders

3/5

Refinance

35 loans · 0.66% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Acceptable	157	84.9%	+0.513%Above	$1,126Fees
FHA Loans	Sound	Sound	—	Acceptable	12	6.5%	+0.401%Above	$727Fees
Jumbo Loans	Sound	Strong	—	Sound	16	8.6%	+0.466%Above	$4,165Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume157

Mix84.9%

Spread

+0.513%Above

Fees

$1,126Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Acceptable

Volume12

Mix6.5%

Spread

+0.401%Above

Fees

$727Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume16

Mix8.6%

Spread

+0.466%Above

Fees

$4,165Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	150	81.1%	+0.453%Above	$1,008Fees
Refinance	Acceptable	Acceptable	Acceptable	Acceptable	35	18.9%	+0.661%Above	$1,891Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume150

Mix81.1%

Spread

+0.453%Above

Fees

$1,008Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume35

Mix18.9%

Spread

+0.661%Above

Fees

$1,891Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

185

Applications

439

Volume

$67 million

Pricing & Closing

Avg Rate Spread

+0.501%

vs. market APOR

Avg Net Fees

$1,213

Origination − Credits

Pullthrough Rate

42.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$366,838

Avg Borrower Income

$216,903

Avg Property Value

$503,486

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

All statesNone

South2

OKTX

West3

COHINM

Top Metro Areas by Place Specialization Score

Tyler, TXMetro

Volume 35Mix 18.92% of portfolio

72/100

Strong

Fort Worth, TXMetro

Volume 38Mix 20.54% of portfolio

62/100

Strong

Dallas, TXMetro

Volume 17Mix 9.19% of portfolio

48/100

Sound

Top States by Place Specialization Score

TexasState

Volume 181Mix 97.84% of portfolio

70/100

Strong

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.