Great Southern Bank Mortgage Lending & HMDA Data, 2015

In 2015, Great Southern Bank of Springfield, MO reported 2,543 mortgage applications totaling $672.0 million, down 15% from 2014. The average application was for $264,239, and applicants reported an average income of $63,572. 64% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Springfield, MO (811), Sioux City, IA-NE-SD (187) and Des Moines-West Des Moines, IA (141) (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 2,543
Total Mortgage Loan Application Amount $671,961,000
Average Mortgage Loan Application Amount $264,239
Highest Mortgage Loan Application Amount $30,115,000
Average Applicant Income $63,572
Highest Applicant Income $2,986,000

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Act (HMDA) records Great Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Greene, Missouri 576 $ 77,018,000 $ 133,711 $ 57,000
Christian, Missouri 176 $ 23,290,000 $ 132,329 $ 59,000
Woodbury, Iowa 135 $ 31,573,000 $ 233,874 $ 63,000
Polk, Iowa 111 $ 24,530,000 $ 220,990 $ 81,000
Scott, Iowa 83 $ 11,432,000 $ 137,734 $ 68,000
Benton, Arkansas 64 $ 10,997,000 $ 171,828 $ 83,000
Camden, Missouri 63 $ 6,772,000 $ 107,492 $ 64,000
Jasper, Iowa 62 $ 5,264,000 $ 84,903 $ 53,000
Lawrence, Missouri 52 $ 8,808,000 $ 169,384 $ 51,000
St. Louis, Missouri 50 $ 29,318,000 $ 586,360 $ 132,000
Taney, Missouri 49 $ 5,343,000 $ 109,040 $ 48,000
Miami, Kansas 42 $ 3,483,000 $ 82,928 $ 78,000
Johnson, Kansas 41 $ 7,544,000 $ 184,000 $ 97,000
Douglas, Missouri 41 $ 3,399,000 $ 82,902 $ 52,000
Stone, Missouri 37 $ 3,580,000 $ 96,756 $ 57,000
Jasper, Missouri 35 $ 8,588,000 $ 245,371 $ 46,000
Newton, Missouri 34 $ 3,890,000 $ 114,411 $ 48,000
Vernon, Missouri 34 $ 2,400,000 $ 70,588 $ 53,000
Howell, Missouri 33 $ 1,843,000 $ 55,848 $ 41,000
Jackson, Missouri 33 $ 11,463,000 $ 347,363 $ 99,000
Webster, Missouri 30 $ 3,111,000 $ 103,700 $ 84,000
Wright, Missouri 27 $ 1,660,000 $ 61,481 $ 40,000
Hennepin, Minnesota 26 $ 9,208,000 $ 354,153 $ 119,000
Marion, Iowa 23 $ 2,017,000 $ 87,695 $ 59,000
Labette, Kansas 23 $ 1,023,000 $ 44,478 $ 46,000
Dakota, Nebraska 23 $ 1,759,000 $ 76,478 $ 59,000
Mahaska, Iowa 22 $ 1,344,000 $ 61,090 $ 47,000
Plymouth, Iowa 21 $ 2,501,000 $ 119,095 $ 50,000
St. Charles, Missouri 21 $ 13,683,000 $ 651,571 $ 112,000
Dallas, Missouri 18 $ 1,403,000 $ 77,944 $ 32,000
Laclede, Missouri 18 $ 1,119,000 $ 62,166 $ 40,000
Reynolds, Missouri 18 $ 1,519,000 $ 84,388 $ 50,000
St. Louis City, Missouri 18 $ 13,330,000 $ 740,555 $ 39,000
Dallas, Iowa 16 $ 2,809,000 $ 175,562 $ 98,000
Cedar, Missouri 16 $ 1,417,000 $ 88,562 $ 43,000
Iron, Missouri 16 $ 809,000 $ 50,562 $ 47,000
Oregon, Missouri 16 $ 986,000 $ 61,625 $ 34,000
Story, Iowa 15 $ 2,916,000 $ 194,400 $ 71,000
Barry, Missouri 14 $ 1,242,000 $ 88,714 $ 48,000
Washington, Arkansas 13 $ 31,943,000 $ 2,457,153 $ 61,000
Monona, Iowa 13 $ 1,247,000 $ 95,923 $ 94,000
Dade, Missouri 13 $ 406,000 $ 31,230 $ 42,000
Madison, Missouri 11 $ 970,000 $ 88,181 $ 54,000
Morgan, Missouri 11 $ 693,000 $ 63,000 $ 28,000
Polk, Missouri 11 $ 895,000 $ 81,363 $ 46,000
Douglas, Nebraska 11 $ 2,042,000 $ 185,636 $ 73,000
Warren, Iowa 10 $ 1,619,000 $ 161,900 $ 57,000
Dakota, Minnesota 10 $ 2,672,000 $ 267,200 $ 159,000
Franklin, Kansas 9 $ 664,000 $ 73,777 $ 52,000
Miller, Missouri 9 $ 1,406,000 $ 156,222 $ 51,000
Boone, Arkansas 8 $ 1,017,000 $ 127,125 $ 47,000
Rock Island, Illinois 8 $ 957,000 $ 119,625 $ 63,000
Allen, Kansas 8 $ 219,000 $ 27,375 $ 45,000
Texas, Missouri 8 $ 495,000 $ 61,875 $ 38,000
St. Francois, Missouri 7 $ 462,000 $ 66,000 $ 51,000
Ozark, Missouri 6 $ 462,000 $ 77,000 $ 33,000
Union, South Dakota 6 $ 871,000 $ 145,166 $ 56,000
Boone, Iowa 5 $ 540,000 $ 108,000 $ 47,000
Anderson, Kansas 5 $ 325,000 $ 65,000 $ 59,000
Wyandotte, Kansas 5 $ 3,163,000 $ 632,600 $ 27,000
Ramsey, Minnesota 5 $ 1,195,000 $ 239,000 $ 86,000
Clay, Missouri 5 $ 718,000 $ 143,600 $ 76,000
Jefferson, Missouri 5 $ 643,000 $ 128,600 $ 67,000
McDonald, Missouri 5 $ 551,000 $ 110,200 $ 67,000
Oklahoma, Oklahoma 5 $ 25,640,000 $ 5,128,000 $ 0
Pottawattamie, Iowa 4 $ 224,000 $ 56,000 $ 38,000
Bourbon, Kansas 4 $ 428,000 $ 107,000 $ 149,000
Scott, Minnesota 4 $ 1,185,000 $ 296,250 $ 88,000
Cass, Missouri 4 $ 905,000 $ 226,250 $ 82,000
Sarpy, Nebraska 4 $ 586,000 $ 146,500 $ 107,000
Dallas, Texas 4 $ 5,496,000 $ 1,374,000 $ 30,000
Henry, Illinois 3 $ 560,000 $ 186,666 $ 94,000
Madison, Iowa 3 $ 286,000 $ 95,333 $ 70,000
Linn, Kansas 3 $ 311,000 $ 103,666 $ 56,000
Shawnee, Kansas 3 $ 10,232,000 $ 3,410,666 $ 0
Baltimore, Maryland 3 $ 708,000 $ 236,000 $ 135,000
Wayne, Michigan 3 $ 3,218,000 $ 1,072,666 $ 0
Anoka, Minnesota 3 $ 517,000 $ 172,333 $ 58,000
Sherburne, Minnesota 3 $ 614,000 $ 204,666 $ 109,000
Washington, Minnesota 3 $ 771,000 $ 257,000 $ 120,000
Barton, Missouri 3 $ 92,000 $ 30,666 $ 30,000
Perry, Missouri 3 $ 590,000 $ 196,666 $ 70,000
St. Clair, Missouri 3 $ 11,000 $ 3,666 $ 35,000
Le Flore, Oklahoma 3 $ 510,000 $ 170,000 $ 90,000
Tulsa, Oklahoma 3 $ 13,150,000 $ 4,383,333 $ 0
Harris, Texas 3 $ 31,685,000 $ 10,561,666 $ 0
Elmore, Alabama 2 $ 186,000 $ 93,000 $ 44,000
Fulton, Arkansas 2 $ 224,000 $ 112,000 $ 56,000
Garland, Arkansas 2 $ 2,007,000 $ 1,003,500 $ 32,000
Marion, Arkansas 2 $ 117,000 $ 58,500 $ 57,000
Clinton, Iowa 2 $ 361,000 $ 180,500 $ 101,000
Marshall, Iowa 2 $ 362,000 $ 181,000 $ 129,000
Sac, Iowa 2 $ 12,000 $ 6,000 $ 73,000
Cherokee, Kansas 2 $ 66,000 $ 33,000 $ 61,000
Neosho, Kansas 2 $ 206,000 $ 103,000 $ 64,000
Carver, Minnesota 2 $ 1,200,000 $ 600,000 $ 109,000
Isanti, Minnesota 2 $ 554,000 $ 277,000 $ 100,000
St. Louis, Minnesota 2 $ 4,770,000 $ 2,385,000 $ 59,000
Wright, Minnesota 2 $ 384,000 $ 192,000 $ 38,000
Benton, Missouri 2 $ 92,000 $ 46,000 $ 18,000
Boone, Missouri 2 $ 345,000 $ 172,500 $ 46,000
Cape Girardeau, Missouri 2 $ 296,000 $ 148,000 $ 85,000
Franklin, Missouri 2 $ 167,000 $ 83,500 $ 67,000
Pulaski, Missouri 2 $ 116,000 $ 58,000 $ 97,000
Warren, Missouri 2 $ 113,000 $ 56,500 $ 50,000
Washington, Missouri 2 $ 247,000 $ 123,500 $ 42,000
Dixon, Nebraska 2 $ 307,000 $ 153,500 $ 63,000
Otoe, Nebraska 2 $ 16,000 $ 8,000 $ 66,000
Saunders, Nebraska 2 $ 512,000 $ 256,000 $ 171,000
Wayne, Nebraska 2 $ 137,000 $ 68,500 $ 30,000
Bell, Texas 2 $ 7,727,000 $ 3,863,500 $ 0
Collin, Texas 2 $ 15,651,000 $ 7,825,500 $ 36,000
Baldwin, Alabama 1 $ 300,000 $ 300,000 $ 98,000
Maricopa, Arizona 1 $ 12,459,000 $ 12,459,000 $ 0
Carroll, Arkansas 1 $ 10,000 $ 10,000 $ 112,000
Craighead, Arkansas 1 $ 102,000 $ 102,000 $ 71,000
Faulkner, Arkansas 1 $ 5,985,000 $ 5,985,000 $ 0
Franklin, Arkansas 1 $ 118,000 $ 118,000 $ 61,000
Izard, Arkansas 1 $ 40,000 $ 40,000 $ 182,000
Madison, Arkansas 1 $ 40,000 $ 40,000 $ 61,000
Sebastian, Arkansas 1 $ 1,656,000 $ 1,656,000 $ 0
Sharp, Arkansas 1 $ 47,000 $ 47,000 $ 41,000
Stone, Arkansas 1 $ 170,000 $ 170,000 $ 133,000
Adams, Colorado 1 $ 286,000 $ 286,000 $ 75,000
El Paso, Colorado 1 $ 317,000 $ 317,000 $ 65,000
Duval, Florida 1 $ 195,000 $ 195,000 $ 768,000
Pasco, Florida 1 $ 221,000 $ 221,000 $ 62,000
Houston, Georgia 1 $ 257,000 $ 257,000 $ 70,000
Cook, Illinois 1 $ 2,000,000 $ 2,000,000 $ 0
Kendall, Illinois 1 $ 226,000 $ 226,000 $ 113,000
Marion, Indiana 1 $ 10,500,000 $ 10,500,000 $ 0
Black Hawk, Iowa 1 $ 288,000 $ 288,000 $ 93,000
Bremer, Iowa 1 $ 205,000 $ 205,000 $ 80,000
Cedar, Iowa 1 $ 159,000 $ 159,000 $ 54,000
Des Moines, Iowa 1 $ 2,000 $ 2,000 $ 22,000
Dickinson, Iowa 1 $ 197,000 $ 197,000 $ 98,000
Guthrie, Iowa 1 $ 364,000 $ 364,000 $ 233,000
Harrison, Iowa 1 $ 276,000 $ 276,000 $ 55,000
Linn, Iowa 1 $ 181,000 $ 181,000 $ 113,000
Muscatine, Iowa 1 $ 276,000 $ 276,000 $ 111,000
Poweshiek, Iowa 1 $ 92,000 $ 92,000 $ 135,000
Ringgold, Iowa 1 $ 108,000 $ 108,000 $ 100,000
Shelby, Iowa 1 $ 79,000 $ 79,000 $ 41,000
Tama, Iowa 1 $ 176,000 $ 176,000 $ 57,000
Coffey, Kansas 1 $ 4,000 $ 4,000 $ 44,000
Crawford, Kansas 1 $ 4,000 $ 4,000 $ 68,000
Douglas, Kansas 1 $ 250,000 $ 250,000 $ 42,000
Montgomery, Kansas 1 $ 47,000 $ 47,000 $ 25,000
Osage, Kansas 1 $ 320,000 $ 320,000 $ 96,000
Wilson, Kansas 1 $ 76,000 $ 76,000 $ 39,000
St. Tammany, Louisiana 1 $ 29,941,000 $ 29,941,000 $ 0
Emmet, Michigan 1 $ 2,000,000 $ 2,000,000 $ 0
Chisago, Minnesota 1 $ 180,000 $ 180,000 $ 40,000
Crow Wing, Minnesota 1 $ 840,000 $ 840,000 $ 0
Stearns, Minnesota 1 $ 374,000 $ 374,000 $ 198,000
DeSoto, Mississippi 1 $ 195,000 $ 195,000 $ 85,000
Bollinger, Missouri 1 $ 70,000 $ 70,000 $ 43,000
Buchanan, Missouri 1 $ 360,000 $ 360,000 $ 153,000
Butler, Missouri 1 $ 69,000 $ 69,000 $ 30,000
Cole, Missouri 1 $ 62,000 $ 62,000 $ 23,000
Crawford, Missouri 1 $ 70,000 $ 70,000 $ 0
Hickory, Missouri 1 $ 120,000 $ 120,000 $ 31,000
Lafayette, Missouri 1 $ 124,000 $ 124,000 $ 38,000
Lincoln, Missouri 1 $ 8,000 $ 8,000 $ 72,000
Pettis, Missouri 1 $ 50,000 $ 50,000 $ 60,000
Phelps, Missouri 1 $ 110,000 $ 110,000 $ 111,000
Pike, Missouri 1 $ 91,000 $ 91,000 $ 35,000
Platte, Missouri 1 $ 176,000 $ 176,000 $ 46,000
Putnam, Missouri 1 $ 101,000 $ 101,000 $ 126,000
Stoddard, Missouri 1 $ 2,000 $ 2,000 $ 81,000
Wayne, Missouri 1 $ 68,000 $ 68,000 $ 29,000
Burt, Nebraska 1 $ 4,000 $ 4,000 $ 35,000
Cuming, Nebraska 1 $ 128,000 $ 128,000 $ 106,000
Polk, Nebraska 1 $ 57,000 $ 57,000 $ 111,000
Washington, Nebraska 1 $ 80,000 $ 80,000 $ 56,000
Bernalillo, New Mexico 1 $ 20,000,000 $ 20,000,000 $ 0
Cherokee, Oklahoma 1 $ 190,000 $ 190,000 $ 75,000
Comanche, Oklahoma 1 $ 2,000 $ 2,000 $ 78,000
Delaware, Oklahoma 1 $ 104,000 $ 104,000 $ 31,000
Payne, Oklahoma 1 $ 11,117,000 $ 11,117,000 $ 0
Rogers, Oklahoma 1 $ 145,000 $ 145,000 $ 48,000
Multnomah, Oregon 1 $ 660,000 $ 660,000 $ 356,000
Clay, South Dakota 1 $ 825,000 $ 825,000 $ 0
Minnehaha, South Dakota 1 $ 340,000 $ 340,000 $ 125,000
Pennington, South Dakota 1 $ 13,600,000 $ 13,600,000 $ 0
Tarrant, Texas 1 $ 342,000 $ 342,000 $ 147,000
Williamson, Texas 1 $ 15,300,000 $ 15,300,000 $ 0
Dunn, Wisconsin 1 $ 1,206,000 $ 1,206,000 $ 0
Milwaukee, Wisconsin 1 $ 157,000 $ 157,000 $ 0
Polk, Wisconsin 1 $ 200,000 $ 200,000 $ 378,000

Mortgage Loan Application Detail Totals for Great Southern Bank in 2015

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 1,329 $507,291,000 $381,000 $30,115,000 $62,000 $2,986,000
Refinancing 805 $145,558,000 $180,000 $11,750,000 $69,000 $644,000
Home Improvement 409 $19,112,000 $46,000 $10,500,000 $58,000 $658,000

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 2,192 $253,362,000 $115,000 $1,875,000 $67,000 $2,986,000
Not applicable 157 $392,631,000 $2,500,000 $30,115,000 $0 $0
Not Provided 57 $8,168,000 $143,000 $600,000 $72,000 $186,000
Hispanic 57 $5,309,000 $93,000 $460,000 $52,000 $155,000
Black or African American 42 $7,217,000 $171,000 $660,000 $96,000 $356,000
Asian 20 $3,739,000 $186,000 $870,000 $80,000 $420,000
American Indian or Alaskan Native 16 $1,375,000 $85,000 $219,000 $43,000 $110,000
Native Hawaiian or Other Pacific Islander 2 $160,000 $80,000 $158,000 $91,000 $102,000

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) 1,856 $591,360,000 $318,000 $30,115,000 $69,000 $2,986,000
FHA-insured (Federal Housing Administration) 359 $41,150,000 $114,000 $352,000 $50,000 $218,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 205 $20,269,000 $98,000 $247,000 $40,000 $130,000
VA-guaranteed (Veterans Administration) 123 $19,182,000 $155,000 $417,000 $63,000 $208,000

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 1,621 $565,699,000 $348,000 $30,115,000 $65,000 $2,986,000
Application Denied By Financial Institution 465 $36,827,000 $79,000 $600,000 $49,000 $224,000
Application Withdrawn By Applicant 295 $52,567,000 $178,000 $5,750,000 $70,000 $485,000
File Closed For Incompleteness 123 $15,897,000 $129,000 $574,000 $79,000 $644,000
Application Approved But Not Accepted 39 $971,000 $24,000 $237,000 $60,000 $222,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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 258 $18,255,000 $70,000 $600,000 $48,000 $218,000
Debt-To-Income Ratio 120 $8,668,000 $72,000 $600,000 $44,000 $149,000
Collateral 46 $5,875,000 $127,000 $464,000 $69,000 $224,000
Other 21 $2,157,000 $102,000 $188,000 $60,000 $125,000
Employment History 13 $919,000 $70,000 $196,000 $26,000 $131,000
Insufficient Cash (Downpayment, Closing Cost) 4 $268,000 $67,000 $101,000 $26,000 $42,000
Unverifiable Information 3 $685,000 $228,000 $320,000 $37,000 $84,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Great Southern Bank's 2015 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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