# SOUTHPOINT FINANCIAL SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/southpoint-financial-services


> **📋 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


SOUTHPOINT FINANCIAL SERVICES, INC. is a independent mortgage company, headquartered in Lawrenceville, GA, serving borrowers across 15 states, with 491 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300XXIJ7WMGY22535
- **Headquarters:** Lawrenceville, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** AL, FL, GA, IN, KY, LA, MD, MS, NC, OH, PA, SC, TN, TX, VA
- **Markets (MSAs):** 10
- **Primary Channel:** mix
- **Direct Origination:** 39.7%
- **Brokered/Wholesale:** 60.3%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.470%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,607
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 491
- **Dollar Volume:** $134 million
- **Applications Received:** 650
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $272,556
- **Average Borrower Income:** $100,825
- **Average Property Value:** $316,446

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 120 | +0.221% | $3,803 | Acceptable 🙂 |
| FHA | 74/100 | 278 | +0.690% | $3,334 | Strong 😀 |
| VA | 68/100 | 59 | +0.060% | $4,087 | Strong 😀 |
| USDA | 78/100 | 34 | +1.319% | $8,235 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 29/100 (Acceptable)
- Refinance: 40 loans, Score: 41/100 (Sound)

**FHA:**
- Purchase: 232 loans, Score: 74/100 (Strong)
- Refinance: 46 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 55 loans, Score: 68/100 (Strong)

**USDA:**
- Purchase: 34 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 401 | $113M | +0.502% | Sound ☺️ |
| Refinance | 47/100 | 90 | $21M | +0.370% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 247 | 0.18% | 75/100 |
| SC | 97 | 0.12% | 67/100 |
| FL | 52 | 0.02% | 52/100 |
| PA | 31 | 0.03% | 50/100 |
| AL | 21 | 0.04% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 103 | 68/100 |
| Non |  | 89 | 52/100 |
| Greenville | SC | 51 | 67/100 |
| Marietta, GA | GA | 31 | 58/100 |
| Orlando | FL | 28 | 53/100 |
| Savannah, GA | GA | 21 | 59/100 |
| Erie, PA | PA | 18 | 52/100 |
| Spartanburg, SC | SC | 18 | 53/100 |
| Albany, GA | GA | 12 | 49/100 |
| Columbia, SC | SC | 12 | 45/100 |

## Where This Lender Ranks

SOUTHPOINT FINANCIAL SERVICES, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Erie, PA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#9** in Erie, PA for VA Loans
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/va-loans)
- 🏆 **#10** in Albany, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Erie, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Erie, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#15** in Albany, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/albany-ga/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does SOUTHPOINT FINANCIAL SERVICES, INC. offer?

SOUTHPOINT FINANCIAL SERVICES, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SOUTHPOINT FINANCIAL SERVICES, INC. offer mortgages?

SOUTHPOINT FINANCIAL SERVICES, INC. offers mortgages in 15 states: AL, FL, GA, IN, KY, LA, MD, MS, NC, OH, PA, SC, TN, TX, VA.

### How competitive are SOUTHPOINT FINANCIAL SERVICES, INC.'s mortgage rates?

SOUTHPOINT FINANCIAL SERVICES, INC. has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.470% above market average.

### What type of lender is SOUTHPOINT FINANCIAL SERVICES, INC.?

SOUTHPOINT FINANCIAL SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Lawrenceville, GA.

### What is SOUTHPOINT FINANCIAL SERVICES, INC.'s loan approval success rate?

SOUTHPOINT FINANCIAL SERVICES, INC. has a pull-through score of 63/100 (Strong). 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/southpoint-financial-services

### How to Cite

> "SOUTHPOINT FINANCIAL SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southpoint-financial-services

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