# Southside Bank

> **Canonical URL:** https://saferate.com/lenders/southside-bank


> **📋 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


Southside Bank is a bank, headquartered in Tyler, TX, serving borrowers across 5 states, with 185 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300BEM32ZRV7MJ178
- **Headquarters:** Tyler, TX
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CO, HI, NM, OK, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.501%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,213
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 185
- **Dollar Volume:** $68 million
- **Applications Received:** 439
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $366,838
- **Average Borrower Income:** $216,903
- **Average Property Value:** $503,486

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 157 | +0.513% | $1,126 | Sound ☺️ |
| FHA | 49/100 | 12 | +0.401% | $727 | Sound ☺️ |
| Jumbo | 63/100 | 16 | +0.466% | $4,165 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 122 loans, Score: 49/100 (Sound)
- Refinance: 35 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 150 | $61M | +0.453% | Sound ☺️ |
| Refinance | 35/100 | 35 | $6M | +0.661% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 181 | 0.05% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 69 | 53/100 |
| Fort Worth | TX | 38 | 62/100 |
| Tyler, TX | TX | 35 | 72/100 |
| Dallas | TX | 17 | 48/100 |

## Where This Lender Ranks

Southside Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Tyler, TX Banks
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/banks)
- 🏆 **#10** in Tyler, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Tyler, TX
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Southside Bank offer?

Southside Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.501% above market average.

### What type of lender is Southside Bank?

Southside Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Tyler, TX.

### What is Southside Bank's loan approval success rate?

Southside Bank has a pull-through score of 30/100 (Acceptable). 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/southside-bank

### How to Cite

> "Southside Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southside-bank

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