Lender profile · HMDA 2023–2025
Southern Heritage Bank mortgage approval rates & lending data
Southern Heritage Bank decided 406 mortgage applications and funded 386 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 33 / 38 | 94% | $185K | 31 |
| Cash-out refinance | 84% | 21 / 25 | 100% | $95K | 21 |
| Refinance | 98% | 56 / 57 | 100% | $125K | 56 |
| Investment property purchase | 99% | 133 / 135 | 100% | $115K | 133 |
| Investment cash-out refinance | 93% | 28 / 30 | 100% | $115K | 28 |
| Investment refinance | 99% | 98 / 99 | 100% | $105K | 98 |
Southern Heritage Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 96% | $115K | 406 | 386 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.