Southern Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Southern Bank 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Southern Bank 531 Vine St Poplar Bluff, MO 63901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 1,112 |
| Total Mortgage Loan Application Amount | $202,100,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $7,765,000 |
| Average Applicant Income | $88,600 |
| Highest Applicant Income | $1,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Southern Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Southern Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Southern Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Southern Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Southern Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Southern Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Butler County Missouri | 108 | $ 15,150,000 | $ 140,000 | $ 95,000 |
| Cape Girardeau County Missouri | 101 | $ 23,055,000 | $ 228,000 | $ 127,000 |
| Stoddard County Missouri | 83 | $ 9,925,000 | $ 119,000 | $ 91,000 |
| Howell County Missouri | 68 | $ 7,840,000 | $ 115,000 | $ 77,000 |
| Craighead County Arkansas | 64 | $ 10,800,000 | $ 168,000 | $ 129,000 |
| Ripley County Missouri | 64 | $ 7,130,000 | $ 111,000 | $ 101,000 |
| Webster County Missouri | 64 | $ 7,870,000 | $ 122,000 | $ 78,000 |
| Greene County Missouri | 61 | $ 8,265,000 | $ 135,000 | $ 93,000 |
| Oregon County Missouri | 57 | $ 4,375,000 | $ 76,000 | $ 57,000 |
| Dunklin County Missouri | 55 | $ 4,315,000 | $ 78,000 | $ 64,000 |
| Greene County Arkansas | 39 | $ 4,315,000 | $ 110,000 | $ 76,000 |
| White County Arkansas | 31 | $ 6,315,000 | $ 203,000 | $ 67,000 |
| Carter County Missouri | 30 | $ 3,630,000 | $ 121,000 | $ 105,000 |
| Independence County Arkansas | 28 | $ 2,780,000 | $ 99,000 | $ 82,000 |
| Christian County Missouri | 22 | $ 4,110,000 | $ 186,000 | $ 90,000 |
| Taney County Missouri | 17 | $ 9,005,000 | $ 529,000 | $ 144,000 |
| Fulton County Arkansas | 16 | $ 1,740,000 | $ 108,000 | $ 77,000 |
| Scott County Missouri | 16 | $ 1,820,000 | $ 113,000 | $ 95,000 |
| Stone County Missouri | 15 | $ 2,025,000 | $ 135,000 | $ 113,000 |
| Pulaski County Arkansas | 11 | $ 3,605,000 | $ 327,000 | $ 231,000 |
| Sharp County Arkansas | 9 | $ 605,000 | $ 67,000 | $ 60,000 |
| New Madrid County Missouri | 9 | $ 1,045,000 | $ 116,000 | $ 74,000 |
| Jackson County Arkansas | 8 | $ 530,000 | $ 66,000 | $ 65,000 |
| Lonoke County Arkansas | 8 | $ 1,580,000 | $ 197,000 | $ 111,000 |
| Wayne County Missouri | 8 | $ 920,000 | $ 115,000 | $ 98,000 |
| Bollinger County Missouri | 7 | $ 705,000 | $ 100,000 | $ 48,000 |
| Union County Illinois | 6 | $ 500,000 | $ 83,000 | $ 71,000 |
| Clay County Arkansas | 5 | $ 395,000 | $ 79,000 | $ 66,000 |
| Cleburne County Arkansas | 5 | $ 365,000 | $ 73,000 | $ 53,000 |
| Poinsett County Arkansas | 5 | $ 465,000 | $ 93,000 | $ 81,000 |
| Alexander County Illinois | 5 | $ 155,000 | $ 31,000 | $ 58,000 |
| Dallas County Missouri | 5 | $ 435,000 | $ 87,000 | $ 68,000 |
| Mississippi County Arkansas | 4 | $ 2,940,000 | $ 735,000 | $ 69,000 |
| Ozark County Missouri | 4 | $ 200,000 | $ 50,000 | $ 59,000 |
| Reynolds County Missouri | 4 | $ 870,000 | $ 217,000 | $ 161,000 |
| Baxter County Arkansas | 3 | $ 565,000 | $ 188,000 | $ 111,000 |
| Randolph County Arkansas | 3 | $ 305,000 | $ 101,000 | $ 77,000 |
| Wright County Missouri | 3 | $ 695,000 | $ 231,000 | $ 73,000 |
| Benton County Arkansas | 2 | $ 240,000 | $ 120,000 | $ 160,000 |
| Faulkner County Arkansas | 2 | $ 200,000 | $ 100,000 | $ 114,000 |
| Marion County Arkansas | 2 | $ 100,000 | $ 50,000 | $ 37,000 |
| Van Buren County Arkansas | 2 | $ 180,000 | $ 90,000 | $ 151,000 |
| Washington County Arkansas | 2 | $ 300,000 | $ 150,000 | $ 115,000 |
| Pulaski County Illinois | 2 | $ 40,000 | $ 20,000 | $ 86,000 |
| Williamson County Illinois | 2 | $ 390,000 | $ 195,000 | $ 200,000 |
| Marshall County Kentucky | 2 | $ 460,000 | $ 230,000 | $ 396,000 |
| Douglas County Missouri | 2 | $ 300,000 | $ 150,000 | $ 82,000 |
| Lawrence County Missouri | 2 | $ 320,000 | $ 160,000 | $ 94,000 |
| Mississippi County Missouri | 2 | $ 70,000 | $ 35,000 | $ 87,000 |
| Pemiscot County Missouri | 2 | $ 180,000 | $ 90,000 | $ 61,000 |
| St. Louis County Missouri | 2 | $ 920,000 | $ 460,000 | $ 150,000 |
| Texas County Missouri | 2 | $ 320,000 | $ 160,000 | $ 35,000 |
| Montgomery County Alabama | 1 | $ 7,475,000 | $ 7,475,000 | $ 0 |
| Arkansas County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Saline County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 138,000 |
| Arapahoe County Colorado | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Orange County Florida | 1 | $ 375,000 | $ 375,000 | $ 122,000 |
| Habersham County Georgia | 1 | $ 1,515,000 | $ 1,515,000 | $ 0 |
| Jackson County Illinois | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Johnson County Illinois | 1 | $ 145,000 | $ 145,000 | $ 0 |
| St. Clair County Illinois | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Doniphan County Kansas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Johnson County Kansas | 1 | $ 285,000 | $ 285,000 | $ 252,000 |
| Miami County Kansas | 1 | $ 205,000 | $ 205,000 | $ 208,000 |
| Bolivar County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 503,000 |
| Harrison County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Camden County Missouri | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Cedar County Missouri | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| Hickory County Missouri | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Jackson County Missouri | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Morgan County Missouri | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Perry County Missouri | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Phelps County Missouri | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Payne County Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Texas County Oklahoma | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| Bradley County Tennessee | 1 | $ 2,945,000 | $ 2,945,000 | $ 0 |
| Dyer County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 136,000 |
| Anderson County Texas | 1 | $ 1,765,000 | $ 1,765,000 | $ 0 |
| Bexar County Texas | 1 | $ 4,305,000 | $ 4,305,000 | $ 0 |
| Galveston County Texas | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Gregg County Texas | 1 | $ 5,005,000 | $ 5,005,000 | $ 0 |
| Pecos County Texas | 1 | $ 1,025,000 | $ 1,025,000 | $ 0 |
| Potter County Texas | 1 | $ 7,765,000 | $ 7,765,000 | $ 0 |
| Rusk County Texas | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Taylor County Texas | 1 | $ 6,255,000 | $ 6,255,000 | $ 0 |
Mortgage Loan Application Detail Totals for Southern Bank in 2019
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 | 668 | $123,540,000 | $184,000 | $7,765,000 | $90,000 | $1,025,000 |
| Refinancing | 349 | $70,105,000 | $200,000 | $6,255,000 | $95,000 | $1,500,000 |
| Other Purpose | 37 | $3,775,000 | $102,000 | $425,000 | $96,000 | $503,000 |
| Cash-out Refinancing | 30 | $3,190,000 | $106,000 | $195,000 | $73,000 | $200,000 |
| Home Improvement | 28 | $1,490,000 | $53,000 | $245,000 | $89,000 | $672,000 |
| 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 | 911 | $113,625,000 | $124,000 | $1,085,000 | $92,000 | $1,500,000 |
| Not applicable | 175 | $85,935,000 | $491,000 | $7,765,000 | $0 | $0 |
| Black or African American | 7 | $615,000 | $87,000 | $215,000 | $49,000 | $69,000 |
| Hispanic | 7 | $425,000 | $60,000 | $105,000 | $36,000 | $66,000 |
| Asian | 5 | $625,000 | $125,000 | $205,000 | $91,000 | $339,000 |
| Not Provided | 5 | $715,000 | $143,000 | $385,000 | $86,000 | $162,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $105,000 | $42,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,024 | $192,770,000 | $188,000 | $7,765,000 | $96,000 | $1,500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 88 | $9,330,000 | $106,000 | $285,000 | $47,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 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 | 972 | $188,790,000 | $194,000 | $7,765,000 | $97,000 | $1,500,000 |
| Application Withdrawn By Applicant | 67 | $7,585,000 | $113,000 | $275,000 | $71,000 | $239,000 |
| Application Denied By Financial Institution | 65 | $4,975,000 | $76,000 | $345,000 | $48,000 | $160,000 |
| Application Approved But Not Accepted | 7 | $665,000 | $95,000 | $195,000 | $61,000 | $118,000 |
| File Closed For Incompleteness | 1 | $85,000 | $85,000 | $85,000 | $23,000 | $23,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,047 | $197,125,000 | $188,000 | $7,765,000 | $95,000 | $1,500,000 |
| Credit History | 49 | $3,705,000 | $75,000 | $345,000 | $52,000 | $160,000 |
| Debt-To-Income Ratio | 7 | $525,000 | $75,000 | $145,000 | $20,000 | $25,000 |
| Collateral | 4 | $480,000 | $120,000 | $215,000 | $81,000 | $150,000 |
| Other | 3 | $115,000 | $38,000 | $75,000 | $19,000 | $30,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southern Bank's 2019 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 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.