Great Southern Bank Mortgage Lending & HMDA Data, 2022
In 2022, Great Southern Bank of Springfield, MO reported 3,156 mortgage applications totaling $988.4 million, down 22% from 2021. The average application was for $313,190, and applicants reported an average income of $157,944. 67% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Springfield, MO (848), St. Louis, MO-IL (471) and Kansas City, MO-KS (231) (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 | 3,156 |
| Total Mortgage Loan Application Amount | $988,430,000 |
| Average Mortgage Loan Application Amount | $313,190 |
| Highest Mortgage Loan Application Amount | $37,605,000 |
| Average Applicant Income | $157,944 |
| Highest Applicant Income | $6,170,000 |
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Act (HMDA) records Great Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Springfield, MO | 848 | $ 160,480,000 | $ 189,245 | $ 108,000 |
| Outside any metro area | 729 | $ 117,485,000 | $ 161,159 | $ 120,813 |
| St. Louis, MO-IL | 471 | $ 214,295,000 | $ 454,978 | $ 211,936 |
| Kansas City, MO-KS | 231 | $ 62,045,000 | $ 268,593 | $ 202,320 |
| Des Moines-West Des Moines, IA | 146 | $ 21,680,000 | $ 148,493 | $ 112,000 |
| Sioux City, IA-NE-SD | 144 | $ 16,420,000 | $ 114,027 | $ 83,236 |
| Davenport-Moline-Rock Island, IA-IL | 85 | $ 18,845,000 | $ 221,705 | $ 197,352 |
| Joplin, MO | 75 | $ 8,845,000 | $ 117,933 | $ 84,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 73 | $ 67,985,000 | $ 931,301 | $ 276,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 58 | $ 41,450,000 | $ 714,655 | $ 185,000 |
| Omaha-Council Bluffs, NE-IA | 17 | $ 28,445,000 | $ 1,673,235 | $ 133,058 |
| Phoenix-Mesa-Scottsdale, AZ | 17 | $ 11,165,000 | $ 656,764 | $ 205,000 |
| Oklahoma City, OK | 13 | $ 7,575,000 | $ 582,692 | $ 287,000 |
| Columbia, MO | 11 | $ 5,665,000 | $ 515,000 | $ 126,000 |
| Denver-Aurora-Lakewood, CO | 9 | $ 7,345,000 | $ 816,111 | $ 349,000 |
| Tulsa, OK | 9 | $ 20,165,000 | $ 2,240,555 | $ 197,000 |
| Chicago-Naperville, IL | 7 | $ 3,295,000 | $ 470,714 | $ 216,000 |
| Fort Worth-Arlington, TX | 7 | $ 3,045,000 | $ 435,000 | $ 138,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 5,655,000 | $ 807,857 | $ 461,000 |
| Dallas-Plano-Irving, TX | 6 | $ 3,700,000 | $ 616,666 | $ 495,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 4,620,000 | $ 770,000 | $ 420,000 |
| Topeka, KS | 6 | $ 850,000 | $ 141,666 | $ 115,000 |
| Tucson, AZ | 6 | $ 4,100,000 | $ 683,333 | $ 353,000 |
| Reno, NV | 5 | $ 3,235,000 | $ 647,000 | $ 249,000 |
| San Antonio-New Braunfels, TX | 5 | $ 3,525,000 | $ 705,000 | $ 303,000 |
| Ames, IA | 4 | $ 1,030,000 | $ 257,500 | $ 101,000 |
| Boise City, ID | 4 | $ 3,160,000 | $ 790,000 | $ 263,000 |
| Jefferson City, MO | 4 | $ 800,000 | $ 200,000 | $ 102,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 3,370,000 | $ 842,500 | $ 262,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 930,000 | $ 232,500 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 3,170,000 | $ 792,500 | $ 1,178,000 |
| Ogden-Clearfield, UT | 4 | $ 3,250,000 | $ 812,500 | $ 283,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,585,000 | $ 528,333 | $ 164,000 |
| Elgin, IL | 3 | $ 1,415,000 | $ 471,666 | $ 207,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 42,465,000 | $ 14,155,000 | $ 125,000 |
| Knoxville, TN | 3 | $ 985,000 | $ 328,333 | $ 163,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 1,635,000 | $ 545,000 | $ 331,000 |
| Peoria, IL | 3 | $ 525,000 | $ 175,000 | $ 426,000 |
| Tacoma-Lakewood, WA | 3 | $ 2,545,000 | $ 848,333 | $ 1,068,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 940,000 | $ 470,000 | $ 700,000 |
| Cape Girardeau, MO-IL | 2 | $ 1,110,000 | $ 555,000 | $ 583,000 |
| Cedar Rapids, IA | 2 | $ 320,000 | $ 160,000 | $ 50,000 |
| Columbia, SC | 2 | $ 1,040,000 | $ 520,000 | $ 500,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 1,310,000 | $ 655,000 | $ 684,000 |
| Great Falls, MT | 2 | $ 1,150,000 | $ 575,000 | $ 368,000 |
| Hot Springs, AR | 2 | $ 510,000 | $ 255,000 | $ 118,000 |
| Lawton, OK | 2 | $ 3,370,000 | $ 1,685,000 | $ 51,000 |
| Lincoln, NE | 2 | $ 340,000 | $ 170,000 | $ 86,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 2,920,000 | $ 1,460,000 | $ 524,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,190,000 | $ 595,000 | $ 249,000 |
| Punta Gorda, FL | 2 | $ 410,000 | $ 205,000 | $ 161,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 2,230,000 | $ 1,115,000 | $ 555,000 |
| Salt Lake City, UT | 2 | $ 4,300,000 | $ 2,150,000 | $ 1,162,000 |
| Santa Fe, NM | 2 | $ 1,860,000 | $ 930,000 | $ 572,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 2,830,000 | $ 1,415,000 | $ 679,000 |
| Shreveport-Bossier City, LA | 2 | $ 290,000 | $ 145,000 | $ 77,000 |
| Springfield, IL | 2 | $ 540,000 | $ 270,000 | $ 600,000 |
| St. Cloud, MN | 2 | $ 130,000 | $ 65,000 | $ 182,000 |
| St. George, UT | 2 | $ 2,800,000 | $ 1,400,000 | $ 348,000 |
| St. Joseph, MO-KS | 2 | $ 280,000 | $ 140,000 | $ 128,000 |
| Wausau, WI | 2 | $ 770,000 | $ 385,000 | $ 302,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 2,260,000 | $ 1,130,000 | $ 885,000 |
| Wichita, KS | 2 | $ 620,000 | $ 310,000 | $ 132,000 |
| Akron, OH | 1 | $ 645,000 | $ 645,000 | $ 399,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 965,000 | $ 965,000 | $ 275,000 |
| Ann Arbor, MI | 1 | $ 615,000 | $ 615,000 | $ 216,000 |
| Appleton, WI | 1 | $ 595,000 | $ 595,000 | $ 478,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 395,000 | $ 395,000 | $ 256,000 |
| Bend-Redmond, OR | 1 | $ 1,245,000 | $ 1,245,000 | $ 644,000 |
| Bloomington, IN | 1 | $ 845,000 | $ 845,000 | $ 412,000 |
| Boulder, CO | 1 | $ 995,000 | $ 995,000 | $ 300,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,615,000 | $ 1,615,000 | $ 1,515,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Camden, NJ | 1 | $ 505,000 | $ 505,000 | $ 155,000 |
| Carson City, NV | 1 | $ 1,205,000 | $ 1,205,000 | $ 324,000 |
| Charleston-North Charleston, SC | 1 | $ 505,000 | $ 505,000 | $ 334,000 |
| Chattanooga, TN-GA | 1 | $ 275,000 | $ 275,000 | $ 101,000 |
| Cincinnati, OH-KY-IN | 1 | $ 665,000 | $ 665,000 | $ 324,000 |
| Cleveland-Elyria, OH | 1 | $ 495,000 | $ 495,000 | $ 630,000 |
| Columbus, GA-AL | 1 | $ 755,000 | $ 755,000 | $ 600,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 1,565,000 | $ 1,565,000 | $ 400,000 |
| Duluth, MN-WI | 1 | $ 625,000 | $ 625,000 | $ 600,000 |
| Fort Collins, CO | 1 | $ 585,000 | $ 585,000 | $ 476,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 295,000 | $ 295,000 | $ 55,000 |
| Fresno, CA | 1 | $ 975,000 | $ 975,000 | $ 236,000 |
| Greenville, NC | 1 | $ 415,000 | $ 415,000 | $ 235,000 |
| Hammond, LA | 1 | $ 585,000 | $ 585,000 | $ 381,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 345,000 | $ 345,000 | $ 61,000 |
| Janesville-Beloit, WI | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Kankakee, IL | 1 | $ 1,125,000 | $ 1,125,000 | $ 615,000 |
| Kingston, NY | 1 | $ 735,000 | $ 735,000 | $ 265,000 |
| Lafayette, LA | 1 | $ 335,000 | $ 335,000 | $ 131,000 |
| Lakeland-Winter Haven, FL | 1 | $ 1,145,000 | $ 1,145,000 | $ 243,000 |
| Lansing-East Lansing, MI | 1 | $ 805,000 | $ 805,000 | $ 435,000 |
| Lawrence, KS | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Logan, UT-ID | 1 | $ 435,000 | $ 435,000 | $ 216,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 895,000 | $ 895,000 | $ 220,000 |
| Madison, WI | 1 | $ 975,000 | $ 975,000 | $ 304,000 |
| Mankato-North Mankato, MN | 1 | $ 3,825,000 | $ 3,825,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Midland, TX | 1 | $ 455,000 | $ 455,000 | $ 182,000 |
| Morristown, TN | 1 | $ 435,000 | $ 435,000 | $ 80,000 |
| Muncie, IN | 1 | $ 205,000 | $ 205,000 | $ 300,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 685,000 | $ 685,000 | $ 635,000 |
| New Orleans-Metairie, LA | 1 | $ 375,000 | $ 375,000 | $ 479,000 |
| Newark, NJ-PA | 1 | $ 1,485,000 | $ 1,485,000 | $ 700,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Owensboro, KY | 1 | $ 375,000 | $ 375,000 | $ 410,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 485,000 | $ 485,000 | $ 165,000 |
| Richmond, VA | 1 | $ 305,000 | $ 305,000 | $ 60,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Rochester, MN | 1 | $ 795,000 | $ 795,000 | $ 379,000 |
| Rochester, NY | 1 | $ 645,000 | $ 645,000 | $ 400,000 |
| Saginaw, MI | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| San Rafael, CA | 1 | $ 2,005,000 | $ 2,005,000 | $ 493,000 |
| Sioux Falls, SD | 1 | $ 5,000 | $ 5,000 | $ 75,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 1,085,000 | $ 1,085,000 | $ 1,013,000 |
| Vallejo-Fairfield, CA | 1 | $ 195,000 | $ 195,000 | $ 232,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 445,000 | $ 445,000 | $ 225,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 955,000 | $ 955,000 | $ 550,000 |
| Wenatchee, WA | 1 | $ 555,000 | $ 555,000 | $ 300,000 |
| Yakima, WA | 1 | $ 615,000 | $ 615,000 | $ 216,000 |
| Yuma, AZ | 1 | $ 635,000 | $ 635,000 | $ 283,000 |
Mortgage Loan Application Detail Totals for Great Southern Bank in 2022
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 | 1,379 | $642,595,000 | $465,000 | $37,605,000 | $177,000 | $5,520,000 |
| Other Purpose | 664 | $66,910,000 | $100,000 | $1,615,000 | $136,000 | $6,170,000 |
| Home Improvement | 389 | $61,075,000 | $157,000 | $17,555,000 | $88,000 | $634,000 |
| Cash-out Refinancing | 370 | $97,260,000 | $262,000 | $4,165,000 | $173,000 | $6,170,000 |
| Refinancing | 354 | $120,590,000 | $340,000 | $24,655,000 | $186,000 | $5,376,000 |
| 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 | 2,591 | $568,355,000 | $219,000 | $4,165,000 | $154,000 | $6,170,000 |
| Not Provided | 207 | $57,875,000 | $279,000 | $2,005,000 | $204,000 | $2,340,000 |
| Not applicable | 143 | $302,215,000 | $2,113,000 | $37,605,000 | $0 | $0 |
| Hispanic | 71 | $16,015,000 | $225,000 | $1,095,000 | $129,000 | $985,000 |
| Black or African American | 67 | $13,325,000 | $198,000 | $995,000 | $109,000 | $658,000 |
| Asian | 52 | $25,840,000 | $496,000 | $2,325,000 | $254,000 | $875,000 |
| American Indian or Alaskan Native | 18 | $4,180,000 | $232,000 | $795,000 | $164,000 | $1,059,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $38,000 | $38,000 |
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) | 2,969 | $953,435,000 | $321,000 | $37,605,000 | $164,000 | $6,170,000 |
| FHA-insured (Federal Housing Administration) | 77 | $13,625,000 | $176,000 | $385,000 | $68,000 | $238,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $9,970,000 | $138,000 | $305,000 | $51,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 38 | $11,400,000 | $300,000 | $625,000 | $103,000 | $241,000 |
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 | 2,128 | $731,710,000 | $343,000 | $37,605,000 | $171,000 | $6,170,000 |
| Application Denied By Financial Institution | 569 | $60,725,000 | $106,000 | $2,325,000 | $90,000 | $5,376,000 |
| Application Withdrawn By Applicant | 382 | $160,210,000 | $419,000 | $24,535,000 | $196,000 | $5,520,000 |
| File Closed For Incompleteness | 42 | $8,180,000 | $194,000 | $1,305,000 | $174,000 | $976,000 |
| Application Approved But Not Accepted | 32 | $27,010,000 | $844,000 | $9,005,000 | $112,000 | $300,000 |
| Loan Purchased By The Institution | 3 | $595,000 | $198,000 | $305,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,587 | $927,705,000 | $358,000 | $37,605,000 | $174,000 | $6,170,000 |
| Debt-To-Income Ratio | 245 | $26,025,000 | $106,000 | $2,325,000 | $63,000 | $394,000 |
| Credit History | 185 | $20,145,000 | $108,000 | $1,505,000 | $113,000 | $5,376,000 |
| Collateral | 81 | $8,745,000 | $107,000 | $875,000 | $130,000 | $1,392,000 |
| Credit Application Incomplete | 38 | $3,040,000 | $80,000 | $1,355,000 | $80,000 | $450,000 |
| Other | 8 | $1,340,000 | $167,000 | $555,000 | $48,000 | $100,000 |
| Employment History | 6 | $830,000 | $138,000 | $245,000 | $42,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $520,000 | $130,000 | $185,000 | $73,000 | $125,000 |
| Unverifiable Information | 2 | $80,000 | $40,000 | $55,000 | $79,000 | $79,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Great Southern Bank's 2022 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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