Great Southern Bank Mortgage Lending & HMDA Data, 2005

In 2005, Great Southern Bank of Springfield, MO reported 1,445 mortgage applications totaling $169.0 million, up 10% from 2004. The average application was for $116,957, and applicants reported an average income of $49,288. 66% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Springfield, MO (824), Joplin, MO (58) and Fayetteville-Springdale-Rogers, AR-MO (23) (applications in parentheses).

Mortgage Company & Address Great Southern Bank
218 S Glenstone Ave
Springfield, MO 65802
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 1,445
Total Mortgage Loan Application Amount $169,003,000
Average Mortgage Loan Application Amount $116,957
Highest Mortgage Loan Application Amount $12,000,000
Average Applicant Income $49,288
Highest Applicant Income $1,800,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Great Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Great Southern Bank by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Greene, Missouri 622 $ 69,597,000 $ 111,892 $ 46,000
Christian, Missouri 147 $ 21,641,000 $ 147,217 $ 45,000
Taney, Missouri 84 $ 9,103,000 $ 108,369 $ 39,000
Stone, Missouri 65 $ 8,357,000 $ 128,569 $ 68,000
Jasper, Missouri 35 $ 2,593,000 $ 74,085 $ 37,000
Webster, Missouri 29 $ 2,831,000 $ 97,620 $ 39,000
Camden, Missouri 27 $ 3,627,000 $ 134,333 $ 101,000
Newton, Missouri 23 $ 2,059,000 $ 89,521 $ 63,000
Lawrence, Missouri 22 $ 1,908,000 $ 86,727 $ 34,000
Laclede, Missouri 21 $ 2,366,000 $ 112,666 $ 35,000
Dallas, Missouri 17 $ 851,000 $ 50,058 $ 34,000
Benton, Arkansas 13 $ 2,524,000 $ 194,153 $ 69,000
Washington, Arkansas 10 $ 1,130,000 $ 113,000 $ 27,000
Cedar, Missouri 10 $ 781,000 $ 78,100 $ 30,000
Howell, Missouri 10 $ 736,000 $ 73,600 $ 33,000
Polk, Missouri 9 $ 1,291,000 $ 143,444 $ 46,000
Oregon, Missouri 8 $ 523,000 $ 65,375 $ 35,000
Barry, Missouri 6 $ 641,000 $ 106,833 $ 51,000
Garland, Arkansas 5 $ 1,302,000 $ 260,400 $ 257,000
Morgan, Missouri 5 $ 491,000 $ 98,200 $ 57,000
Texas, Missouri 5 $ 220,000 $ 44,000 $ 31,000
Boone, Arkansas 4 $ 161,000 $ 40,250 $ 65,000
Nassau, Florida 4 $ 302,000 $ 75,500 $ 44,000
Jackson, Missouri 4 $ 494,000 $ 123,500 $ 115,000
Miller, Missouri 4 $ 279,000 $ 69,750 $ 104,000
St. Louis, Missouri 4 $ 12,755,000 $ 3,188,750 $ 6,000
Baldwin, Alabama 3 $ 119,000 $ 39,666 $ 27,000
Madison, Florida 3 $ 154,000 $ 51,333 $ 63,000
Wright, Missouri 3 $ 106,000 $ 35,333 $ 26,000
Cleveland, Arkansas 2 $ 102,000 $ 51,000 $ 33,000
Craighead, Arkansas 2 $ 113,000 $ 56,500 $ 49,000
Fulton, Arkansas 2 $ 129,000 $ 64,500 $ 50,000
Mississippi, Arkansas 2 $ 80,000 $ 40,000 $ 25,000
Hamilton, Florida 2 $ 98,000 $ 49,000 $ 64,000
Suwannee, Florida 2 $ 71,000 $ 35,500 $ 21,000
Cherokee, Kansas 2 $ 176,000 $ 88,000 $ 71,000
Johnson, Kansas 2 $ 779,000 $ 389,500 $ 945,000
Calcasieu, Louisiana 2 $ 82,000 $ 41,000 $ 48,000
Concordia, Louisiana 2 $ 45,000 $ 22,500 $ 40,000
Franklin, Louisiana 2 $ 68,000 $ 34,000 $ 25,000
Lafayette, Louisiana 2 $ 75,000 $ 37,500 $ 65,000
Ouachita, Louisiana 2 $ 100,000 $ 50,000 $ 41,000
Washington, Louisiana 2 $ 105,000 $ 52,500 $ 53,000
Benton, Missouri 2 $ 456,000 $ 228,000 $ 46,000
Dade, Missouri 2 $ 411,000 $ 205,500 $ 69,000
Hickory, Missouri 2 $ 55,000 $ 27,500 $ 38,000
McDonald, Missouri 2 $ 109,000 $ 54,500 $ 33,000
St. Charles, Missouri 2 $ 458,000 $ 229,000 $ 90,000
Franklin, North Carolina 2 $ 135,000 $ 67,500 $ 37,000
Sampson, North Carolina 2 $ 108,000 $ 54,000 $ 32,000
Georgetown, South Carolina 2 $ 108,000 $ 54,000 $ 55,000
Henderson, Tennessee 2 $ 107,000 $ 53,500 $ 43,000
Blount, Alabama 1 $ 62,000 $ 62,000 $ 31,000
Calhoun, Alabama 1 $ 35,000 $ 35,000 $ 93,000
Chilton, Alabama 1 $ 77,000 $ 77,000 $ 60,000
Clay, Alabama 1 $ 30,000 $ 30,000 $ 51,000
Escambia, Alabama 1 $ 19,000 $ 19,000 $ 17,000
Etowah, Alabama 1 $ 62,000 $ 62,000 $ 30,000
Fayette, Alabama 1 $ 78,000 $ 78,000 $ 113,000
Geneva, Alabama 1 $ 55,000 $ 55,000 $ 46,000
Jefferson, Alabama 1 $ 33,000 $ 33,000 $ 41,000
Lamar, Alabama 1 $ 48,000 $ 48,000 $ 26,000
Marion, Alabama 1 $ 25,000 $ 25,000 $ 30,000
Mobile, Alabama 1 $ 48,000 $ 48,000 $ 35,000
Montgomery, Alabama 1 $ 48,000 $ 48,000 $ 38,000
Morgan, Alabama 1 $ 51,000 $ 51,000 $ 41,000
Pickens, Alabama 1 $ 52,000 $ 52,000 $ 66,000
Shelby, Alabama 1 $ 32,000 $ 32,000 $ 31,000
Tallapoosa, Alabama 1 $ 64,000 $ 64,000 $ 31,000
Walker, Alabama 1 $ 23,000 $ 23,000 $ 15,000
Winston, Alabama 1 $ 43,000 $ 43,000 $ 26,000
Maricopa, Arizona 1 $ 79,000 $ 79,000 $ 47,000
Navajo, Arizona 1 $ 55,000 $ 55,000 $ 60,000
Ashley, Arkansas 1 $ 27,000 $ 27,000 $ 32,000
Carroll, Arkansas 1 $ 140,000 $ 140,000 $ 30,000
Conway, Arkansas 1 $ 37,000 $ 37,000 $ 33,000
Dallas, Arkansas 1 $ 56,000 $ 56,000 $ 30,000
Greene, Arkansas 1 $ 64,000 $ 64,000 $ 36,000
Independence, Arkansas 1 $ 52,000 $ 52,000 $ 56,000
Jefferson, Arkansas 1 $ 44,000 $ 44,000 $ 77,000
Montgomery, Arkansas 1 $ 30,000 $ 30,000 $ 94,000
Ouachita, Arkansas 1 $ 68,000 $ 68,000 $ 35,000
Phillips, Arkansas 1 $ 53,000 $ 53,000 $ 43,000
Pike, Arkansas 1 $ 58,000 $ 58,000 $ 46,000
Yell, Arkansas 1 $ 50,000 $ 50,000 $ 67,000
Denver, Colorado 1 $ 491,000 $ 491,000 $ 0
Alachua, Florida 1 $ 40,000 $ 40,000 $ 48,000
Baker, Florida 1 $ 75,000 $ 75,000 $ 42,000
Citrus, Florida 1 $ 92,000 $ 92,000 $ 43,000
Clay, Florida 1 $ 37,000 $ 37,000 $ 44,000
Dixie, Florida 1 $ 54,000 $ 54,000 $ 396,000
Escambia, Florida 1 $ 72,000 $ 72,000 $ 33,000
Gilchrist, Florida 1 $ 65,000 $ 65,000 $ 71,000
Glades, Florida 1 $ 52,000 $ 52,000 $ 38,000
Hernando, Florida 1 $ 53,000 $ 53,000 $ 26,000
Leon, Florida 1 $ 146,000 $ 146,000 $ 42,000
Marion, Florida 1 $ 60,000 $ 60,000 $ 47,000
Taylor, Florida 1 $ 44,000 $ 44,000 $ 122,000
Effingham, Georgia 1 $ 65,000 $ 65,000 $ 32,000
Hancock, Georgia 1 $ 66,000 $ 66,000 $ 47,000
Lanier, Georgia 1 $ 60,000 $ 60,000 $ 41,000
McIntosh, Georgia 1 $ 69,000 $ 69,000 $ 28,000
Stephens, Georgia 1 $ 62,000 $ 62,000 $ 24,000
Ware, Georgia 1 $ 44,000 $ 44,000 $ 31,000
Madison, Illinois 1 $ 3,000,000 $ 3,000,000 $ 0
Marion, Illinois 1 $ 62,000 $ 62,000 $ 34,000
Dickinson, Iowa 1 $ 48,000 $ 48,000 $ 25,000
Morris, Kansas 1 $ 70,000 $ 70,000 $ 49,000
Allen, Louisiana 1 $ 35,000 $ 35,000 $ 36,000
Beauregard, Louisiana 1 $ 29,000 $ 29,000 $ 43,000
Bienville, Louisiana 1 $ 22,000 $ 22,000 $ 151,000
Bossier, Louisiana 1 $ 65,000 $ 65,000 $ 31,000
Caddo, Louisiana 1 $ 27,000 $ 27,000 $ 22,000
Iberia, Louisiana 1 $ 37,000 $ 37,000 $ 25,000
Jefferson, Louisiana 1 $ 38,000 $ 38,000 $ 41,000
Natchitoches, Louisiana 1 $ 52,000 $ 52,000 $ 40,000
Sabine, Louisiana 1 $ 53,000 $ 53,000 $ 67,000
St. Charles, Louisiana 1 $ 49,000 $ 49,000 $ 21,000
St. Helena, Louisiana 1 $ 71,000 $ 71,000 $ 105,000
St. Landry, Louisiana 1 $ 30,000 $ 30,000 $ 16,000
St. Martin, Louisiana 1 $ 32,000 $ 32,000 $ 23,000
Tangipahoa, Louisiana 1 $ 53,000 $ 53,000 $ 28,000
Tensas, Louisiana 1 $ 27,000 $ 27,000 $ 25,000
Union, Louisiana 1 $ 65,000 $ 65,000 $ 42,000
Vermilion, Louisiana 1 $ 42,000 $ 42,000 $ 41,000
West Carroll, Louisiana 1 $ 39,000 $ 39,000 $ 24,000
Winn, Louisiana 1 $ 27,000 $ 27,000 $ 30,000
Wright, Minnesota 1 $ 57,000 $ 57,000 $ 57,000
Adams, Mississippi 1 $ 14,000 $ 14,000 $ 24,000
Carroll, Mississippi 1 $ 77,000 $ 77,000 $ 64,000
Chickasaw, Mississippi 1 $ 29,000 $ 29,000 $ 14,000
Copiah, Mississippi 1 $ 67,000 $ 67,000 $ 31,000
Covington, Mississippi 1 $ 26,000 $ 26,000 $ 30,000
Forrest, Mississippi 1 $ 29,000 $ 29,000 $ 39,000
Grenada, Mississippi 1 $ 66,000 $ 66,000 $ 54,000
Lafayette, Mississippi 1 $ 56,000 $ 56,000 $ 37,000
Lauderdale, Mississippi 1 $ 29,000 $ 29,000 $ 38,000
Monroe, Mississippi 1 $ 78,000 $ 78,000 $ 26,000
Oktibbeha, Mississippi 1 $ 31,000 $ 31,000 $ 58,000
Rankin, Mississippi 1 $ 57,000 $ 57,000 $ 45,000
Tippah, Mississippi 1 $ 38,000 $ 38,000 $ 14,000
Union, Mississippi 1 $ 30,000 $ 30,000 $ 43,000
Walthall, Mississippi 1 $ 59,000 $ 59,000 $ 48,000
Barton, Missouri 1 $ 45,000 $ 45,000 $ 44,000
Boone, Missouri 1 $ 79,000 $ 79,000 $ 95,000
Clay, Missouri 1 $ 130,000 $ 130,000 $ 39,000
Crawford, Missouri 1 $ 52,000 $ 52,000 $ 42,000
Henry, Missouri 1 $ 55,000 $ 55,000 $ 53,000
Phelps, Missouri 1 $ 133,000 $ 133,000 $ 86,000
Saline, Missouri 1 $ 35,000 $ 35,000 $ 0
Vernon, Missouri 1 $ 10,000 $ 10,000 $ 76,000
Warren, Missouri 1 $ 216,000 $ 216,000 $ 43,000
Bernalillo, New Mexico 1 $ 26,000 $ 26,000 $ 26,000
Lea, New Mexico 1 $ 18,000 $ 18,000 $ 16,000
Rio Arriba, New Mexico 1 $ 57,000 $ 57,000 $ 29,000
Santa Fe, New Mexico 1 $ 63,000 $ 63,000 $ 69,000
Cumberland, North Carolina 1 $ 73,000 $ 73,000 $ 70,000
Duplin, North Carolina 1 $ 49,000 $ 49,000 $ 28,000
Hoke, North Carolina 1 $ 61,000 $ 61,000 $ 46,000
Jackson, North Carolina 1 $ 63,000 $ 63,000 $ 36,000
Jones, North Carolina 1 $ 57,000 $ 57,000 $ 42,000
Robeson, North Carolina 1 $ 93,000 $ 93,000 $ 55,000
Cass, North Dakota 1 $ 57,000 $ 57,000 $ 51,000
Scioto, Ohio 1 $ 68,000 $ 68,000 $ 26,000
Cherokee, Oklahoma 1 $ 24,000 $ 24,000 $ 14,000
Creek, Oklahoma 1 $ 72,000 $ 72,000 $ 60,000
Greer, Oklahoma 1 $ 61,000 $ 61,000 $ 72,000
Le Flore, Oklahoma 1 $ 60,000 $ 60,000 $ 61,000
McClain, Oklahoma 1 $ 38,000 $ 38,000 $ 35,000
Muskogee, Oklahoma 1 $ 59,000 $ 59,000 $ 35,000
Pontotoc, Oklahoma 1 $ 31,000 $ 31,000 $ 62,000
Cumberland, Pennsylvania 1 $ 52,000 $ 52,000 $ 39,000
Fayette, Pennsylvania 1 $ 47,000 $ 47,000 $ 28,000
Franklin, Pennsylvania 1 $ 63,000 $ 63,000 $ 56,000
Greene, Pennsylvania 1 $ 37,000 $ 37,000 $ 59,000
Berkeley, South Carolina 1 $ 54,000 $ 54,000 $ 46,000
Dorchester, South Carolina 1 $ 46,000 $ 46,000 $ 64,000
Orangeburg, South Carolina 1 $ 98,000 $ 98,000 $ 64,000
Williamsburg, South Carolina 1 $ 55,000 $ 55,000 $ 40,000
Anderson, Tennessee 1 $ 39,000 $ 39,000 $ 40,000
Carroll, Tennessee 1 $ 81,000 $ 81,000 $ 37,000
Franklin, Tennessee 1 $ 40,000 $ 40,000 $ 72,000
Grundy, Tennessee 1 $ 32,000 $ 32,000 $ 28,000
Hamilton, Tennessee 1 $ 50,000 $ 50,000 $ 30,000
Hardeman, Tennessee 1 $ 95,000 $ 95,000 $ 36,000
Moore, Tennessee 1 $ 36,000 $ 36,000 $ 21,000
Rhea, Tennessee 1 $ 61,000 $ 61,000 $ 18,000
Sequatchie, Tennessee 1 $ 32,000 $ 32,000 $ 36,000
Harrison, Texas 1 $ 29,000 $ 29,000 $ 151,000
Smith, Texas 1 $ 86,000 $ 86,000 $ 88,000
Randolph, West Virginia 1 $ 38,000 $ 38,000 $ 42,000

Mortgage Loan Application Detail Totals for Great Southern Bank in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 847 $101,450,000 $132,434 $12,000,000 $66,347 $1,800,000
Refinancing 532 $66,810,000 $228,750 $2,160,000 $49,750 $393,000
Home Improvement 66 $743,000 $15,000 $150,000 $37,500 $318,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,287 $137,605,000 $68,695 $4,225,000 $63,043 $1,800,000
Not applicable 65 $24,965,000 $1,023,000 $12,000,000 $0 $0
Hispanic 34 $2,573,000 $68,833 $148,000 $40,500 $72,000
Black or African American 27 $1,468,000 $49,111 $110,000 $46,222 $151,000
Not Provided 13 $429,000 $41,666 $203,000 $38,333 $170,000
Asian 11 $1,175,000 $101,000 $188,000 $38,500 $84,000
American Indian or Alaskan Native 7 $580,000 $96,333 $164,000 $53,666 $130,000
Native Hawaiian or Other Pacific Islander 1 $208,000 $208,000 $208,000 $99,000 $99,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,206 $146,549,000 $146,750 $12,000,000 $60,041 $1,800,000
FHA-insured (Federal Housing Administration) 198 $17,404,000 $86,500 $164,000 $35,000 $143,000
VA-guaranteed (Veterans Administration) 41 $5,050,000 $122,000 $307,000 $36,500 $86,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 957 $131,216,000 $808,200 $12,000,000 $125,400 $1,800,000
Loan Purchased By The Institution 170 $8,634,000 $53,454 $146,000 $46,363 $396,000
Application Withdrawn By Applicant 149 $14,804,000 $112,000 $360,000 $86,000 $347,000
Application Denied By Financial Institution 75 $5,895,000 $73,500 $330,000 $39,500 $127,000
Preapproval Denied by Financial Institution 58 $5,174,000 $89,000 $164,000 $33,000 $88,000
Application Approved But Not Accepted 21 $1,757,000 $83,000 $180,000 $64,000 $169,000
File Closed For Incompleteness 15 $1,523,000 $119,000 $300,000 $48,000 $198,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 1 $42,000 $42,000 $42,000 $19,000 $19,000
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Great Southern Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Great Southern Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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