# BANKSOUTH MORTGAGE COMPANY, LLC

> **Canonical URL:** https://saferate.com/lenders/banksouth-mortgage-company


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BANKSOUTH MORTGAGE COMPANY, LLC is a independent mortgage company, headquartered in Greensboro, GA, serving borrowers across 14 states, with 2,299 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 16% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ZN5MIVRMVHJS09
- **Headquarters:** Greensboro, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AL, CO, FL, GA, IA, KY, LA, MO, NC, SC, TN, TX, VA, WI
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.253%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,175
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,299
- **Dollar Volume:** $890 million
- **Applications Received:** 2,866
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $386,910
- **Average Borrower Income:** $163,866
- **Average Property Value:** $499,093

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (76%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 1,349 | +0.329% | $4,380 | Strong 😀 |
| FHA | 82/100 | 636 | +0.214% | $3,959 | Exceptional 🤩 |
| VA | 78/100 | 211 | -0.303% | $3,062 | Strong 😀 |
| Jumbo | 77/100 | 72 | +0.249% | $4,842 | Strong 😀 |
| USDA | 79/100 | 31 | +0.248% | $2,846 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,276 loans, Score: 79/100 (Strong)
- Refinance: 73 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 626 loans, Score: 82/100 (Exceptional)

**VA:**
- Purchase: 204 loans, Score: 78/100 (Strong)

**Jumbo:**
- Purchase: 60 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 31 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 2,197 | $837M | +0.253% | Exceptional 🤩 |
| Refinance | 54/100 | 102 | $52M | +0.248% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 2,119 | 1.53% | 94/100 |
| SC | 85 | 0.11% | 61/100 |
| FL | 33 | 0.01% | 42/100 |
| TN | 20 | 0.02% | 42/100 |
| NC | 13 | 0.01% | 37/100 |
| AL | 11 | 0.02% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 893 | 91/100 |
| Marietta, GA | GA | 474 | 94/100 |
| Non |  | 256 | 62/100 |
| Savannah, GA | GA | 126 | 85/100 |
| Athens | GA | 107 | 94/100 |
| Augusta | GA-SC | 101 | 77/100 |
| Valdosta, GA | GA | 85 | 85/100 |
| Gainesville, GA | GA | 39 | 69/100 |
| Rome, GA | GA | 37 | 75/100 |
| Dalton, GA | GA | 36 | 71/100 |
| Greenville | SC | 22 | 50/100 |
| Hinesville, GA | GA | 15 | 52/100 |
| Nashville | TN | 12 | 40/100 |

## Where This Lender Ranks

BANKSOUTH MORTGAGE COMPANY, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Athens for FHA Loans
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Athens for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Valdosta, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/valdosta-ga/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Valdosta, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/valdosta-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Rome, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/rome-ga/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Rome, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rome-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Dalton, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/dalton-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Marietta, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Marietta, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Savannah, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/savannah-ga/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Savannah, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/savannah-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Dalton, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/dalton-ga/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Valdosta, GA Mortgage Companies
  - [View Full Rankings](https://saferate.com/valdosta-ga/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Gainesville, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Gainesville, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Atlanta for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Athens Mortgage Companies
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Augusta for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Georgia for FHA Loans
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Georgia for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does BANKSOUTH MORTGAGE COMPANY, LLC offer?

BANKSOUTH MORTGAGE COMPANY, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BANKSOUTH MORTGAGE COMPANY, LLC offer mortgages?

BANKSOUTH MORTGAGE COMPANY, LLC offers mortgages in 14 states: AL, CO, FL, GA, IA, KY, LA, MO, NC, SC, TN, TX, VA, WI.

### How competitive are BANKSOUTH MORTGAGE COMPANY, LLC's mortgage rates?

BANKSOUTH MORTGAGE COMPANY, LLC has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.253% above market average.

### What type of lender is BANKSOUTH MORTGAGE COMPANY, LLC?

BANKSOUTH MORTGAGE COMPANY, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Greensboro, GA.

### What is BANKSOUTH MORTGAGE COMPANY, LLC's loan approval success rate?

BANKSOUTH MORTGAGE COMPANY, LLC has a pull-through score of 84/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/banksouth-mortgage-company

### How to Cite

> "BANKSOUTH MORTGAGE COMPANY, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/banksouth-mortgage-company

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