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
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
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 157 | 84.9% | +0.513%Above | $1,126Fees | ||||
FHA Loans | — | 12 | 6.5% | +0.401%Above | $727Fees | |||
Jumbo Loans | — | 16 | 8.6% | +0.466%Above | $4,165Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume157
Mix84.9%
Spread
+0.513%Above
Fees
$1,126Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume12
Mix6.5%
Spread
+0.401%Above
Fees
$727Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
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 | 150 | 81.1% | +0.453%Above | $1,008Fees | ||||
Refinance | 35 | 18.9% | +0.661%Above | $1,891Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume150
Mix81.1%
Spread
+0.453%Above
Fees
$1,008Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
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
3
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
5South2
OKTX
West3
COHINM
Top Metro Areas by Place Specialization Score
Volume 35Mix 18.92% of portfolio
72/100
Strong
2© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 38Mix 20.54% of portfolio
62/100
Strong
Volume 17Mix 9.19% of portfolio
48/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 181Mix 97.84% of portfolio
70/100
StrongHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.
Looking for a different lender?
Are you the owner of Southside Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.