Lender in Arkansas · HMDA 2025
Southern Bancorp Bank mortgages in Arkansas
Southern Bancorp Bank's 2025 home-purchase and refinance lending in Arkansas, compared with all lenders in the state.
Southern Bancorp Bank originated 217 owner-occupied single-family loans in Arkansas from 281 completed applications.
Its median conventional purchase loan costs were $2,450 versus $3,850 for all Arkansas lenders, at a median 30-year fixed rate of 6.50% (Arkansas: 6.625%).
Loans in AR
217
of 281 applications
Denial rate
10.9%
Purchase · AR 8.5%
Rate spread
+0.59 pts
Conv. · AR +0.17 pts
Loan amount
$165,000
Purchase · AR $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 175 | 137 | 10.9% | 6.500% | +0.59 pts | $2,450 | $165,000 |
| Refinance | 97 | 74 | 15.5% | — | +0.57 pts | $1,410 | $145,000 |
| Cash-out refinance | 9 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Arkansas counties where Southern Bancorp Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Phillips County | 1 | 11 | 22.9% |
| Clark County | 2 | 42 | 19.9% |
| Hot Spring County | 2 | 25 | 7.5% |
| Montgomery County | 2 | 8 | 12.3% |
| Pike County | 2 | 6 | 11.3% |
| Chicot County | 2 | 4 | 10.5% |
| Arkansas County | 3 | 13 | 8.2% |
| Ashley County | 6 | 6 | 4.6% |
| Prairie County | 6 | 3 | 4.3% |
| Union County | 10 | 7 | 2.3% |
| Mississippi County | 10 | 6 | 1.7% |
| Monroe County | 10 | 1 | 4.5% |
| Garland County | 11 | 25 | 2.1% |
| Poinsett County | 11 | 6 | 2.3% |
| Sevier County | 12 | 3 | 2.5% |
| Crittenden County | 13 | 5 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology