Lender in Missouri · HMDA 2025
Southern Bank mortgages in Missouri
Southern Bank's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
Southern Bank originated 306 owner-occupied single-family loans in Missouri from 334 completed applications.
Its median conventional purchase loan costs were $2,200 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.95% (Missouri: 6.625%).
Loans in MO
306
of 334 applications
Denial rate
6.7%
Purchase · MO 6.5%
Rate spread
+0.25 pts
Conv. · MO +0.24 pts
Loan amount
$185,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 253 | 234 | 6.7% | 6.950% | +0.25 pts | $2,200 | $185,000 |
| Refinance | 29 | 26 | 10.3% | — | +0.27 pts | $1,830 | $185,000 |
| Cash-out refinance | 52 | 46 | 11.5% | 7.500% | +0.65 pts | $1,930 | $115,000 |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where Southern Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Oregon County | 1 | 11 | 16.7% |
| Carter County | 1 | 9 | 18.0% |
| Ripley County | 2 | 22 | 16.9% |
| Butler County | 3 | 45 | 9.1% |
| Stoddard County | 3 | 28 | 9.4% |
| Dunklin County | 3 | 13 | 7.2% |
| Howell County | 4 | 17 | 4.3% |
| Wayne County | 5 | 7 | 7.5% |
| Reynolds County | 5 | 4 | 6.7% |
| Webster County | 9 | 24 | 3.9% |
| Livingston County | 10 | 4 | 2.6% |
| Pemiscot County | 12 | 2 | 2.5% |
| Cape Girardeau County | 13 | 23 | 2.2% |
| Stone County | 14 | 9 | 1.7% |
| Bollinger County | 14 | 3 | 2.7% |
| Nodaway County | 16 | 3 | 1.5% |
| Scott County | 17 | 7 | 1.7% |
| New Madrid County | 19 | 2 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology