Southern Hills Community Bank
Southern Hills Community Bank received 71 applications in 2025 and made 52 mortgages, in 8 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $95,000. Of 67 decisions, 15 were denials — 22.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LYVRGGGBBPPV22 |
|---|---|
| Applications received | 71 |
| Mortgages made | 52 |
| Denied | 15 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Southern Hills Community Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 14 | Not published | $190,000 | 17.7% |
| Refinancing | 25 | Not published | $95,000 | 10.7% |
| Other purposes | 13 | Not published | $85,000 | 40.9% |
Where Southern Hills Community Bank lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Highland County, OH | 19 | Not published | 13.6% |
| Adams County, OH | 10 | Not published | 23.1% |
| Brown County, OH | 8 | Under 10 loans | 42.9% |
| Fayette County, OH | 6 | Under 10 loans | 0.0% |
| Clinton County, OH | 5 | Under 10 loans | 16.7% |
| Ross County, OH | 2 | Under 10 loans | 50.0% |
| Greene County, OH | 1 | Under 10 loans | 0.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
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When Southern Hills Community Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.