# PrimeSouth Bank

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

PrimeSouth Bank is a bank, headquartered in Blackshear, GA, serving borrowers across 2 states, with 102 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 93% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300C4YZ9QY31U5912
- **Headquarters:** Blackshear, GA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, GA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 7/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.458%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,848
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 102
- **Dollar Volume:** $58 million
- **Applications Received:** 113
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $569,608
- **Average Borrower Income:** $315,578

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 76 | +0.468% | $4,804 | Sound ☺️ |
| Jumbo | 73/100 | 25 | +0.033% | $6,594 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 48 loans, Score: 41/100 (Sound)
- Refinance: 28 loans, Score: 37/100 (Acceptable)

**Jumbo:**
- Purchase: 20 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 68 | $47M | +0.316% | Sound ☺️ |
| Refinance | 36/100 | 34 | $11M | +0.898% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 81 | 0.06% | 67/100 |
| FL | 21 | 0.01% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 42 | 48/100 |
| Brunswick | GA | 39 | 77/100 |
| Jacksonville, FL | FL | 20 | 55/100 |

## Frequently Asked Questions

### What loan types does PrimeSouth Bank offer?

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

### Where does PrimeSouth Bank offer mortgages?

PrimeSouth Bank offers mortgages in 2 states: FL, GA.

### How competitive are PrimeSouth Bank's mortgage rates?

PrimeSouth Bank has a pricing score of 7/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.458% above market average.

### What type of lender is PrimeSouth Bank?

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

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

PrimeSouth Bank has a pull-through score of 42/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/primesouth-bank

### How to Cite

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

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