Applications / Mortgage Analytics / Lenders / Alabama / SouthPoint Bank / Competition
SouthPoint Bank
Birmingham, AL · State non-member bank · FDIC · $1.6 billion assets · 632 loans in 2025
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632
loans originated, 2025
834
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Who SouthPoint Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BIRMINGHAM, AL, 2025
SouthPoint Bank ranks 18th of 523 lenders in Birmingham, AL, with $94.7M lent: 1.3% of a $7.02B market.
Birmingham, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — DECATUR, AL, 2025
SouthPoint Bank ranks 9th of 240 lenders in Decatur, AL, with $16.2M lent: 2.2% of a $729.3M market.
Decatur, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO ALABAMA, 2025
SouthPoint Bank ranks 61st of 523 lenders in non-metro Alabama, with $14.7M lent: 0.4% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — HUNTSVILLE, AL, 2025
SouthPoint Bank ranks 83rd of 440 lenders in Huntsville, AL, with $11.6M lent: 0.3% of a $4.63B market.
Huntsville, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — MONTGOMERY, AL, 2025
SouthPoint Bank ranks 42nd of 331 lenders in Montgomery, AL, with $9.1M lent: 0.5% of a $1.87B market.
Montgomery, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — TAMPA-ST. PETERSBURG-CLEARWATER, FL, 2025
SouthPoint Bank ranks 766th of 925 lenders in Tampa-St. Petersburg-Clearwater, FL, with $375K lent: 0.0% of a $26.60B market.
Tampa-St. Petersburg-Clearwater, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — JACKSON, MS, 2025
SouthPoint Bank ranks 210th of 306 lenders in Jackson, MS, with $475K lent: 0.0% of a $2.61B market.
Jackson, MS is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — MEMPHIS, AR-MS-TN, 2025
SouthPoint Bank ranks 376th of 515 lenders in Memphis, AR-MS-TN, with $395K lent: 0.0% of a $6.42B market.
Memphis, AR-MS-TN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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