Great Southern Bank Mortgage Lending & HMDA Data, 2024

In 2024, Great Southern Bank of Springfield, MO reported 1,928 mortgage applications totaling $368.6 million, down 9% from 2023. The average application was for $191,172, and applicants reported an average income of $130,692. 64% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Springfield, MO (703), St. Louis, MO-IL (247) and Sioux City, IA-NE-SD (110) (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
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,928
Total Mortgage Loan Application Amount $368,580,000
Average Mortgage Loan Application Amount $191,172
Highest Mortgage Loan Application Amount $18,255,000
Average Applicant Income $130,692
Highest Applicant Income $3,926,000

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Act (HMDA) records Great Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Greene, Missouri 491 $ 83,985,000 $ 171,048 $ 112,000
Christian, Missouri 155 $ 33,855,000 $ 218,419 $ 127,000
St. Louis, Missouri 134 $ 36,750,000 $ 274,253 $ 244,000
Woodbury, Iowa 97 $ 12,485,000 $ 128,711 $ 95,000
St. Charles, Missouri 55 $ 12,805,000 $ 232,818 $ 185,000
Camden, Missouri 41 $ 7,545,000 $ 184,024 $ 185,000
Stone, Missouri 41 $ 8,895,000 $ 216,951 $ 159,000
Taney, Missouri 41 $ 4,345,000 $ 105,975 $ 83,000
Lawrence, Missouri 40 $ 6,040,000 $ 151,000 $ 86,000
Johnson, Kansas 36 $ 8,140,000 $ 226,111 $ 185,000
Scott, Iowa 33 $ 5,235,000 $ 158,636 $ 103,000
Polk, Iowa 30 $ 3,780,000 $ 126,000 $ 119,000
Newton, Missouri 30 $ 3,650,000 $ 121,666 $ 77,000
Webster, Missouri 28 $ 5,690,000 $ 203,214 $ 97,000
Jasper, Iowa 27 $ 4,135,000 $ 153,148 $ 75,000
St. Louis City, Missouri 26 $ 7,230,000 $ 278,076 $ 177,000
Miami, Kansas 24 $ 2,750,000 $ 114,583 $ 112,000
Vernon, Missouri 24 $ 2,080,000 $ 86,666 $ 76,000
Monona, Iowa 21 $ 2,855,000 $ 135,952 $ 66,000
Cedar, Missouri 20 $ 1,890,000 $ 94,500 $ 56,000
Jasper, Missouri 19 $ 2,155,000 $ 113,421 $ 70,000
Douglas, Missouri 18 $ 1,290,000 $ 71,666 $ 92,000
Mahaska, Iowa 17 $ 2,335,000 $ 137,352 $ 122,000
Wright, Missouri 17 $ 1,655,000 $ 97,352 $ 53,000
Polk, Missouri 16 $ 2,250,000 $ 140,625 $ 86,000
Benton, Arkansas 15 $ 3,235,000 $ 215,666 $ 182,000
Dade, Missouri 14 $ 940,000 $ 67,142 $ 47,000
Howell, Missouri 14 $ 1,800,000 $ 128,571 $ 97,000
Ramsey, Minnesota 13 $ 2,915,000 $ 224,230 $ 160,000
Dallas, Missouri 13 $ 1,455,000 $ 111,923 $ 69,000
Laclede, Missouri 12 $ 1,330,000 $ 110,833 $ 75,000
Jackson, Missouri 11 $ 3,165,000 $ 287,727 $ 185,000
Jefferson, Missouri 11 $ 1,805,000 $ 164,090 $ 124,000
Labette, Kansas 10 $ 520,000 $ 52,000 $ 60,000
Reynolds, Missouri 10 $ 770,000 $ 77,000 $ 78,000
Dallas, Iowa 9 $ 885,000 $ 98,333 $ 160,000
Allen, Kansas 9 $ 505,000 $ 56,111 $ 70,000
Dakota, Minnesota 9 $ 1,485,000 $ 165,000 $ 176,000
Barry, Missouri 9 $ 1,015,000 $ 112,777 $ 93,000
Marion, Iowa 8 $ 940,000 $ 117,500 $ 105,000
Plymouth, Iowa 8 $ 910,000 $ 113,750 $ 83,000
Franklin, Kansas 8 $ 850,000 $ 106,250 $ 54,000
Hennepin, Minnesota 8 $ 2,440,000 $ 305,000 $ 384,000
Lincoln, Missouri 8 $ 1,640,000 $ 205,000 $ 136,000
Dakota, Nebraska 8 $ 1,300,000 $ 162,500 $ 136,000
Iron, Missouri 7 $ 425,000 $ 60,714 $ 48,000
Boone, Arkansas 6 $ 870,000 $ 145,000 $ 55,000
Cherokee, Kansas 6 $ 600,000 $ 100,000 $ 69,000
Warren, Iowa 5 $ 855,000 $ 171,000 $ 117,000
Anderson, Kansas 5 $ 195,000 $ 39,000 $ 48,000
Wyandotte, Kansas 5 $ 535,000 $ 107,000 $ 92,000
Boone, Missouri 5 $ 915,000 $ 183,000 $ 101,000
Cole, Missouri 5 $ 1,095,000 $ 219,000 $ 86,000
Douglas, Nebraska 5 $ 1,595,000 $ 319,000 $ 243,000
Union, South Dakota 5 $ 935,000 $ 187,000 $ 219,000
Monroe, Illinois 4 $ 1,620,000 $ 405,000 $ 287,000
Rock Island, Illinois 4 $ 710,000 $ 177,500 $ 90,000
Bourbon, Kansas 4 $ 240,000 $ 60,000 $ 34,000
Douglas, Kansas 4 $ 800,000 $ 200,000 $ 100,000
Benton, Missouri 4 $ 280,000 $ 70,000 $ 35,000
Cass, Missouri 4 $ 1,170,000 $ 292,500 $ 101,000
Franklin, Missouri 4 $ 410,000 $ 102,500 $ 50,000
McDonald, Missouri 4 $ 580,000 $ 145,000 $ 72,000
Morgan, Missouri 4 $ 490,000 $ 122,500 $ 85,000
Ozark, Missouri 4 $ 560,000 $ 140,000 $ 140,000
Texas, Missouri 4 $ 500,000 $ 125,000 $ 43,000
Warren, Missouri 4 $ 1,840,000 $ 460,000 $ 509,000
Linn, Kansas 3 $ 95,000 $ 31,666 $ 71,000
Scott, Minnesota 3 $ 505,000 $ 168,333 $ 116,000
Barton, Missouri 3 $ 195,000 $ 65,000 $ 60,000
Bates, Missouri 3 $ 125,000 $ 41,666 $ 711,000
Clay, Missouri 3 $ 695,000 $ 231,666 $ 149,000
Wayne, Missouri 3 $ 255,000 $ 85,000 $ 83,000
Washington, Arkansas 2 $ 670,000 $ 335,000 $ 147,000
Douglas, Colorado 2 $ 1,410,000 $ 705,000 $ 291,000
Miami-Dade, Florida 2 $ 2,860,000 $ 1,430,000 $ 865,000
Pasco, Florida 2 $ 410,000 $ 205,000 $ 591,000
Sarasota, Florida 2 $ 1,010,000 $ 505,000 $ 528,000
Dickinson, Iowa 2 $ 300,000 $ 150,000 $ 184,000
Pottawattamie, Iowa 2 $ 450,000 $ 225,000 $ 88,000
Poweshiek, Iowa 2 $ 300,000 $ 150,000 $ 81,000
Sioux, Iowa 2 $ 260,000 $ 130,000 $ 134,000
Chase, Kansas 2 $ 380,000 $ 190,000 $ 81,000
Crawford, Kansas 2 $ 120,000 $ 60,000 $ 87,000
Androscoggin, Maine 2 $ 1,110,000 $ 555,000 $ 338,000
Carver, Minnesota 2 $ 380,000 $ 190,000 $ 269,000
Washington, Minnesota 2 $ 450,000 $ 225,000 $ 108,000
Callaway, Missouri 2 $ 400,000 $ 200,000 $ 131,000
Oregon, Missouri 2 $ 30,000 $ 15,000 $ 75,000
Pulaski, Missouri 2 $ 160,000 $ 80,000 $ 94,000
Harris, Texas 2 $ 1,120,000 $ 560,000 $ 387,000
Baxter, Arkansas 1 $ 105,000 $ 105,000 $ 38,000
Cleburne, Arkansas 1 $ 25,000 $ 25,000 $ 53,000
Craighead, Arkansas 1 $ 345,000 $ 345,000 $ 115,000
Faulkner, Arkansas 1 $ 475,000 $ 475,000 $ 190,000
Fulton, Arkansas 1 $ 85,000 $ 85,000 $ 159,000
Garland, Arkansas 1 $ 505,000 $ 505,000 $ 120,000
Pulaski, Arkansas 1 $ 245,000 $ 245,000 $ 82,000
Denver, Colorado 1 $ 475,000 $ 475,000 $ 137,000
Western Connecticut Planning Region, Connecticut 1 $ 1,915,000 $ 1,915,000 $ 746,000
Charlotte, Florida 1 $ 345,000 $ 345,000 $ 298,000
Collier, Florida 1 $ 205,000 $ 205,000 $ 313,000
Osceola, Florida 1 $ 435,000 $ 435,000 $ 420,000
Pinellas, Florida 1 $ 2,075,000 $ 2,075,000 $ 1,800,000
Santa Rosa, Florida 1 $ 275,000 $ 275,000 $ 91,000
Seminole, Florida 1 $ 765,000 $ 765,000 $ 650,000
Maui, Hawaii 1 $ 625,000 $ 625,000 $ 1,096,000
Clinton, Illinois 1 $ 115,000 $ 115,000 $ 111,000
Cook, Illinois 1 $ 385,000 $ 385,000 $ 1,110,000
Marion, Illinois 1 $ 35,000 $ 35,000 $ 67,000
Winnebago, Illinois 1 $ 125,000 $ 125,000 $ 144,000
Black Hawk, Iowa 1 $ 205,000 $ 205,000 $ 64,000
Buena Vista, Iowa 1 $ 275,000 $ 275,000 $ 86,000
Calhoun, Iowa 1 $ 175,000 $ 175,000 $ 75,000
Clinton, Iowa 1 $ 155,000 $ 155,000 $ 46,000
Davis, Iowa 1 $ 175,000 $ 175,000 $ 73,000
Decatur, Iowa 1 $ 65,000 $ 65,000 $ 62,000
Greene, Iowa 1 $ 175,000 $ 175,000 $ 73,000
Johnson, Iowa 1 $ 875,000 $ 875,000 $ 0
Keokuk, Iowa 1 $ 85,000 $ 85,000 $ 42,000
Linn, Iowa 1 $ 15,000 $ 15,000 $ 60,000
Lyon, Iowa 1 $ 185,000 $ 185,000 $ 85,000
Madison, Iowa 1 $ 205,000 $ 205,000 $ 435,000
Marshall, Iowa 1 $ 155,000 $ 155,000 $ 42,000
Monroe, Iowa 1 $ 65,000 $ 65,000 $ 72,000
Ringgold, Iowa 1 $ 535,000 $ 535,000 $ 140,000
Tama, Iowa 1 $ 195,000 $ 195,000 $ 120,000
Union, Iowa 1 $ 85,000 $ 85,000 $ 20,000
Wapello, Iowa 1 $ 55,000 $ 55,000 $ 199,000
Gray, Kansas 1 $ 55,000 $ 55,000 $ 156,000
Neosho, Kansas 1 $ 25,000 $ 25,000 $ 80,000
Osage, Kansas 1 $ 165,000 $ 165,000 $ 52,000
Sedgwick, Kansas 1 $ 195,000 $ 195,000 $ 53,000
Woodson, Kansas 1 $ 75,000 $ 75,000 $ 52,000
Jefferson, Kentucky 1 $ 345,000 $ 345,000 $ 635,000
Bossier, Louisiana 1 $ 225,000 $ 225,000 $ 87,000
Anoka, Minnesota 1 $ 45,000 $ 45,000 $ 73,000
Crow Wing, Minnesota 1 $ 105,000 $ 105,000 $ 189,000
Douglas, Minnesota 1 $ 225,000 $ 225,000 $ 80,000
Itasca, Minnesota 1 $ 315,000 $ 315,000 $ 367,000
Nicollet, Minnesota 1 $ 45,000 $ 45,000 $ 84,000
Pine, Minnesota 1 $ 55,000 $ 55,000 $ 209,000
Newton, Mississippi 1 $ 55,000 $ 55,000 $ 65,000
Bollinger, Missouri 1 $ 225,000 $ 225,000 $ 152,000
Butler, Missouri 1 $ 155,000 $ 155,000 $ 74,000
Cape Girardeau, Missouri 1 $ 275,000 $ 275,000 $ 300,000
Henry, Missouri 1 $ 35,000 $ 35,000 $ 108,000
Hickory, Missouri 1 $ 35,000 $ 35,000 $ 42,000
Madison, Missouri 1 $ 65,000 $ 65,000 $ 57,000
Miller, Missouri 1 $ 125,000 $ 125,000 $ 35,000
Platte, Missouri 1 $ 585,000 $ 585,000 $ 600,000
Shannon, Missouri 1 $ 15,000 $ 15,000 $ 41,000
St. Francois, Missouri 1 $ 155,000 $ 155,000 $ 95,000
Washington, Missouri 1 $ 315,000 $ 315,000 $ 94,000
Richardson, Nebraska 1 $ 155,000 $ 155,000 $ 70,000
Seward, Nebraska 1 $ 335,000 $ 335,000 $ 142,000
Thurston, Nebraska 1 $ 95,000 $ 95,000 $ 37,000
Rockingham, New Hampshire 1 $ 465,000 $ 465,000 $ 108,000
Bernalillo, New Mexico 1 $ 335,000 $ 335,000 $ 66,000
Durham, North Carolina 1 $ 105,000 $ 105,000 $ 133,000
Rockingham, North Carolina 1 $ 135,000 $ 135,000 $ 35,000
Lucas, Ohio 1 $ 325,000 $ 325,000 $ 130,000
Canadian, Oklahoma 1 $ 305,000 $ 305,000 $ 91,000
Delaware, Oklahoma 1 $ 255,000 $ 255,000 $ 129,000
Ottawa, Oklahoma 1 $ 85,000 $ 85,000 $ 163,000
Tulsa, Oklahoma 1 $ 755,000 $ 755,000 $ 330,000
Richland, South Carolina 1 $ 185,000 $ 185,000 $ 461,000
Sumner, Tennessee 1 $ 225,000 $ 225,000 $ 119,000
Collin, Texas 1 $ 765,000 $ 765,000 $ 575,000
Dallas, Texas 1 $ 2,005,000 $ 2,005,000 $ 0
Montgomery, Texas 1 $ 18,255,000 $ 18,255,000 $ 0
Travis, Texas 1 $ 505,000 $ 505,000 $ 315,000
Douglas, Washington 1 $ 605,000 $ 605,000 $ 174,000
Yakima, Washington 1 $ 135,000 $ 135,000 $ 294,000
Laramie, Wyoming 1 $ 755,000 $ 755,000 $ 360,000

Mortgage Loan Application Detail Totals for Great Southern Bank in 2024

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 841 $245,835,000 $292,000 $18,255,000 $147,000 $3,926,000
Other Purpose 412 $37,140,000 $90,000 $1,385,000 $120,000 $2,721,000
Home Improvement 308 $19,390,000 $62,000 $385,000 $97,000 $598,000
Refinancing 205 $39,985,000 $195,000 $2,345,000 $157,000 $2,056,000
Cash-out Refinancing 162 $26,230,000 $161,000 $1,345,000 $104,000 $604,000
Not Applicable 0 $0 $0 $0 $0 $0

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 1,644 $285,940,000 $173,000 $2,075,000 $128,000 $3,926,000
Not Provided 74 $18,620,000 $251,000 $765,000 $172,000 $843,000
Hispanic 53 $5,395,000 $101,000 $245,000 $89,000 $943,000
Not applicable 51 $42,135,000 $826,000 $18,255,000 $0 $0
Asian 46 $9,840,000 $213,000 $765,000 $255,000 $2,721,000
Black or African American 43 $4,955,000 $115,000 $425,000 $84,000 $276,000
American Indian or Alaskan Native 13 $1,255,000 $96,000 $225,000 $45,000 $125,000
Native Hawaiian or Other Pacific Islander 4 $440,000 $110,000 $215,000 $70,000 $166,000

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) 1,779 $333,655,000 $187,000 $18,255,000 $134,000 $3,926,000
FHA-insured (Federal Housing Administration) 75 $15,495,000 $206,000 $435,000 $75,000 $191,000
VA-guaranteed (Veterans Administration) 42 $13,820,000 $329,000 $1,915,000 $126,000 $746,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 32 $5,610,000 $175,000 $345,000 $70,000 $129,000

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 1,241 $272,555,000 $219,000 $18,255,000 $149,000 $3,926,000
Application Denied By Financial Institution 447 $41,895,000 $93,000 $2,075,000 $76,000 $1,800,000
Application Withdrawn By Applicant 212 $46,700,000 $220,000 $1,305,000 $142,000 $1,100,000
File Closed For Incompleteness 14 $2,280,000 $162,000 $375,000 $90,000 $164,000
Application Approved But Not Accepted 13 $4,785,000 $368,000 $2,005,000 $180,000 $821,000
Loan Purchased By The Institution 1 $365,000 $365,000 $365,000 $197,000 $197,000
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
Not applicable 1,481 $326,685,000 $220,000 $18,255,000 $148,000 $3,926,000
Debt-To-Income Ratio 242 $20,920,000 $86,000 $455,000 $60,000 $263,000
Credit History 99 $6,985,000 $70,000 $325,000 $63,000 $229,000
Collateral 72 $10,890,000 $151,000 $2,075,000 $143,000 $1,800,000
Credit Application Incomplete 26 $1,570,000 $60,000 $205,000 $88,000 $313,000
Other 5 $935,000 $187,000 $265,000 $79,000 $121,000
Insufficient Cash (Downpayment, Closing Cost) 3 $595,000 $198,000 $255,000 $69,000 $84,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Great Southern Bank's 2024 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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