BankSouth at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
81st3.4% deniedProcesswithdrawn + incomplete share, weight 15%
52nd11.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 244 | 203 | 3.7% | 4.2% | — | $119M |
| 2024 | 255 | 201 | 4.7% | 5.4% | — | $112M |
| 2025 | 235 | 200 | 3.0% | 3.4% | — | $89M |
What BankSouth lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 25 manufactured homes, 48 investment properties.
Who gets approved at BankSouth
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 44 | 37 | 5.0% |
| $100k – $150k | 34 | 32 | 0.0% |
| $150k – $250k | 34 | 33 | 0.0% |
| Over $250k | 62 | 55 | 1.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 19 | 5.0% |
| 35–44 | 41 | 34 | 2.8% |
| 45–54 | 38 | 30 | 3.2% |
| 55–64 | 47 | 44 | 2.2% |
| 65–74 | 31 | 25 | 3.9% |
| Over 74 | 23 | 19 | 4.8% |
Where BankSouth lends
4 states and 44 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 230 | 195 | 3.0% | — | #230 |
Frequently asked questions
BankSouth denied 3.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 81st percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 31% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.