Southern Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Southern Bank 2021 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 | 1,957 |
| Total Mortgage Loan Application Amount | $452,255,000 |
| Average Mortgage Loan Application Amount | $183,800 |
| Highest Mortgage Loan Application Amount | $15,505,000 |
| Average Applicant Income | $113,000 |
| Highest Applicant Income | $3,254,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 174 | $ 28,680,000 | $ 164,000 | $ 117,000 |
| Greene County Missouri | 142 | $ 26,360,000 | $ 185,000 | $ 133,000 |
| Stoddard County Missouri | 133 | $ 18,305,000 | $ 137,000 | $ 92,000 |
| Webster County Missouri | 122 | $ 20,470,000 | $ 167,000 | $ 114,000 |
| Cape Girardeau County Missouri | 117 | $ 24,665,000 | $ 210,000 | $ 106,000 |
| Howell County Missouri | 103 | $ 16,155,000 | $ 156,000 | $ 78,000 |
| Craighead County Arkansas | 98 | $ 15,620,000 | $ 159,000 | $ 113,000 |
| Ripley County Missouri | 98 | $ 12,050,000 | $ 122,000 | $ 78,000 |
| Christian County Missouri | 84 | $ 17,680,000 | $ 210,000 | $ 97,000 |
| Oregon County Missouri | 72 | $ 8,150,000 | $ 113,000 | $ 65,000 |
| Dunklin County Missouri | 67 | $ 6,305,000 | $ 94,000 | $ 63,000 |
| White County Arkansas | 61 | $ 8,505,000 | $ 139,000 | $ 90,000 |
| Carter County Missouri | 47 | $ 6,785,000 | $ 144,000 | $ 109,000 |
| Taney County Missouri | 45 | $ 8,795,000 | $ 195,000 | $ 137,000 |
| Greene County Arkansas | 41 | $ 6,815,000 | $ 166,000 | $ 97,000 |
| Scott County Missouri | 39 | $ 6,045,000 | $ 155,000 | $ 87,000 |
| Stone County Missouri | 38 | $ 6,540,000 | $ 172,000 | $ 125,000 |
| Phelps County Missouri | 30 | $ 5,610,000 | $ 187,000 | $ 117,000 |
| Independence County Arkansas | 23 | $ 2,615,000 | $ 113,000 | $ 89,000 |
| Poinsett County Arkansas | 22 | $ 2,610,000 | $ 118,000 | $ 78,000 |
| Fulton County Arkansas | 20 | $ 1,920,000 | $ 96,000 | $ 69,000 |
| Lonoke County Arkansas | 17 | $ 2,315,000 | $ 136,000 | $ 272,000 |
| Wright County Missouri | 16 | $ 2,640,000 | $ 165,000 | $ 88,000 |
| Pulaski County Arkansas | 14 | $ 6,170,000 | $ 440,000 | $ 91,000 |
| Wayne County Missouri | 14 | $ 1,770,000 | $ 126,000 | $ 84,000 |
| Cleburne County Arkansas | 13 | $ 1,285,000 | $ 98,000 | $ 64,000 |
| New Madrid County Missouri | 13 | $ 1,695,000 | $ 130,000 | $ 116,000 |
| Bollinger County Missouri | 12 | $ 1,840,000 | $ 153,000 | $ 82,000 |
| Clay County Arkansas | 10 | $ 950,000 | $ 95,000 | $ 76,000 |
| Union County Illinois | 9 | $ 1,095,000 | $ 121,000 | $ 86,000 |
| Laclede County Missouri | 9 | $ 1,045,000 | $ 116,000 | $ 67,000 |
| Ozark County Missouri | 9 | $ 1,325,000 | $ 147,000 | $ 124,000 |
| Sharp County Arkansas | 8 | $ 1,000,000 | $ 125,000 | $ 122,000 |
| Alexander County Illinois | 7 | $ 475,000 | $ 67,000 | $ 59,000 |
| Jackson County Arkansas | 6 | $ 610,000 | $ 101,000 | $ 74,000 |
| Randolph County Arkansas | 6 | $ 730,000 | $ 121,000 | $ 83,000 |
| Pulaski County Missouri | 6 | $ 1,740,000 | $ 290,000 | $ 76,000 |
| Texas County Missouri | 6 | $ 990,000 | $ 165,000 | $ 65,000 |
| Camden County Missouri | 5 | $ 935,000 | $ 187,000 | $ 94,000 |
| Dallas County Missouri | 5 | $ 1,655,000 | $ 331,000 | $ 111,000 |
| Lawrence County Missouri | 5 | $ 945,000 | $ 189,000 | $ 66,000 |
| St. Louis County Missouri | 5 | $ 805,000 | $ 161,000 | $ 134,000 |
| Izard County Arkansas | 4 | $ 680,000 | $ 170,000 | $ 97,000 |
| Lawrence County Arkansas | 4 | $ 340,000 | $ 85,000 | $ 170,000 |
| McCracken County Kentucky | 4 | $ 2,310,000 | $ 577,000 | $ 106,000 |
| Douglas County Missouri | 4 | $ 480,000 | $ 120,000 | $ 66,000 |
| Hickory County Missouri | 4 | $ 400,000 | $ 100,000 | $ 83,000 |
| Jackson County Missouri | 4 | $ 2,300,000 | $ 575,000 | $ 0 |
| Mississippi County Missouri | 4 | $ 480,000 | $ 120,000 | $ 75,000 |
| Pemiscot County Missouri | 4 | $ 550,000 | $ 137,000 | $ 90,000 |
| Perry County Missouri | 4 | $ 530,000 | $ 132,000 | $ 82,000 |
| Polk County Missouri | 4 | $ 720,000 | $ 180,000 | $ 111,000 |
| Baxter County Arkansas | 3 | $ 185,000 | $ 61,000 | $ 84,000 |
| Benton County Arkansas | 3 | $ 765,000 | $ 255,000 | $ 112,000 |
| Prairie County Arkansas | 3 | $ 405,000 | $ 135,000 | $ 53,000 |
| Collier County Florida | 3 | $ 1,145,000 | $ 381,000 | $ 194,000 |
| Okaloosa County Florida | 3 | $ 995,000 | $ 331,000 | $ 112,000 |
| Shawnee County Kansas | 3 | $ 305,000 | $ 101,000 | $ 0 |
| Barry County Missouri | 3 | $ 765,000 | $ 255,000 | $ 130,000 |
| Davidson County Tennessee | 3 | $ 1,285,000 | $ 428,000 | $ 157,000 |
| Baldwin County Alabama | 2 | $ 1,340,000 | $ 670,000 | $ 358,000 |
| Cross County Arkansas | 2 | $ 300,000 | $ 150,000 | $ 110,000 |
| Mississippi County Arkansas | 2 | $ 400,000 | $ 200,000 | $ 154,000 |
| Pope County Arkansas | 2 | $ 580,000 | $ 290,000 | $ 96,000 |
| Saline County Arkansas | 2 | $ 310,000 | $ 155,000 | $ 110,000 |
| Stone County Arkansas | 2 | $ 420,000 | $ 210,000 | $ 156,000 |
| Lee County Florida | 2 | $ 1,330,000 | $ 665,000 | $ 375,000 |
| Walton County Florida | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Muscogee County Georgia | 2 | $ 13,270,000 | $ 6,635,000 | $ 0 |
| Jackson County Illinois | 2 | $ 110,000 | $ 55,000 | $ 53,000 |
| Williamson County Illinois | 2 | $ 120,000 | $ 60,000 | $ 47,000 |
| Ouachita County Louisiana | 2 | $ 2,500,000 | $ 1,250,000 | $ 0 |
| Crawford County Missouri | 2 | $ 530,000 | $ 265,000 | $ 86,000 |
| Franklin County Missouri | 2 | $ 580,000 | $ 290,000 | $ 286,000 |
| Jasper County Missouri | 2 | $ 1,360,000 | $ 680,000 | $ 0 |
| Jefferson County Missouri | 2 | $ 510,000 | $ 255,000 | $ 91,000 |
| Madison County Missouri | 2 | $ 330,000 | $ 165,000 | $ 81,000 |
| St. Charles County Missouri | 2 | $ 450,000 | $ 225,000 | $ 141,000 |
| St. Francois County Missouri | 2 | $ 340,000 | $ 170,000 | $ 61,000 |
| Ste. Genevieve County Missouri | 2 | $ 440,000 | $ 220,000 | $ 742,000 |
| Knox County Tennessee | 2 | $ 5,310,000 | $ 2,655,000 | $ 0 |
| Harris County Texas | 2 | $ 10,350,000 | $ 5,175,000 | $ 0 |
| Harrison County Texas | 2 | $ 8,770,000 | $ 4,385,000 | $ 0 |
| Taylor County Texas | 2 | $ 10,210,000 | $ 5,105,000 | $ 0 |
| Calhoun County Alabama | 1 | $ 2,065,000 | $ 2,065,000 | $ 0 |
| Lauderdale County Alabama | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| Apache County Arizona | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Maricopa County Arizona | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Navajo County Arizona | 1 | $ 365,000 | $ 365,000 | $ 180,000 |
| Crittenden County Arkansas | 1 | $ 3,705,000 | $ 3,705,000 | $ 0 |
| Marion County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Van Buren County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Washington County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Chaffee County Colorado | 1 | $ 335,000 | $ 335,000 | $ 152,000 |
| Douglas County Colorado | 1 | $ 405,000 | $ 405,000 | $ 689,000 |
| El Paso County Colorado | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Routt County Colorado | 1 | $ 1,205,000 | $ 1,205,000 | $ 552,000 |
| Summit County Colorado | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Broward County Florida | 1 | $ 885,000 | $ 885,000 | $ 263,000 |
| Leon County Florida | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 755,000 | $ 755,000 | $ 263,000 |
| Osceola County Florida | 1 | $ 325,000 | $ 325,000 | $ 233,000 |
| Pinellas County Florida | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Polk County Florida | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Putnam County Florida | 1 | $ 3,325,000 | $ 3,325,000 | $ 0 |
| Cook County Illinois | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Johnson County Illinois | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
| Randolph County Illinois | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Marion County Indiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Monroe County Iowa | 1 | $ 495,000 | $ 495,000 | $ 120,000 |
| Harper County Kansas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Johnson County Kansas | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Labette County Kansas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Marion County Kansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| McPherson County Kansas | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Sedgwick County Kansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Marshall County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 240,000 |
| Bienville County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Essex County Massachusetts | 1 | $ 725,000 | $ 725,000 | $ 274,000 |
| Kalamazoo County Michigan | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Benton County Missouri | 1 | $ 255,000 | $ 255,000 | $ 310,000 |
| Lafayette County Missouri | 1 | $ 65,000 | $ 65,000 | $ 103,000 |
| Macon County Missouri | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Maries County Missouri | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| McDonald County Missouri | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Morgan County Missouri | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Shannon County Missouri | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Washington County Missouri | 1 | $ 245,000 | $ 245,000 | $ 127,000 |
| Forsyth County North Carolina | 1 | $ 2,385,000 | $ 2,385,000 | $ 0 |
| Canadian County Oklahoma | 1 | $ 4,705,000 | $ 4,705,000 | $ 0 |
| Muskogee County Oklahoma | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Oklahoma County Oklahoma | 1 | $ 4,085,000 | $ 4,085,000 | $ 0 |
| Okmulgee County Oklahoma | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Pottawatomie County Oklahoma | 1 | $ 3,085,000 | $ 3,085,000 | $ 0 |
| Wagoner County Oklahoma | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Cherokee County South Carolina | 1 | $ 5,185,000 | $ 5,185,000 | $ 0 |
| Meade County South Dakota | 1 | $ 305,000 | $ 305,000 | $ 860,000 |
| Anderson County Tennessee | 1 | $ 2,655,000 | $ 2,655,000 | $ 0 |
| Cannon County Tennessee | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Chester County Tennessee | 1 | $ 2,515,000 | $ 2,515,000 | $ 0 |
| Meigs County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| Sevier County Tennessee | 1 | $ 555,000 | $ 555,000 | $ 169,000 |
| Shelby County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 416,000 |
| Sullivan County Tennessee | 1 | $ 1,755,000 | $ 1,755,000 | $ 0 |
| Washington County Tennessee | 1 | $ 2,305,000 | $ 2,305,000 | $ 0 |
| Williamson County Tennessee | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Anderson County Texas | 1 | $ 2,685,000 | $ 2,685,000 | $ 0 |
| Cherokee County Texas | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Dallas County Texas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Howard County Texas | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Jim Wells County Texas | 1 | $ 1,905,000 | $ 1,905,000 | $ 0 |
| Lamar County Texas | 1 | $ 2,645,000 | $ 2,645,000 | $ 0 |
| Liberty County Texas | 1 | $ 3,465,000 | $ 3,465,000 | $ 0 |
| Montgomery County Texas | 1 | $ 15,505,000 | $ 15,505,000 | $ 0 |
| Palo Pinto County Texas | 1 | $ 375,000 | $ 375,000 | $ 36,000 |
| Pecos County Texas | 1 | $ 1,955,000 | $ 1,955,000 | $ 0 |
| Reeves County Texas | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Terry County Texas | 1 | $ 825,000 | $ 825,000 | $ 0 |
Mortgage Loan Application Detail Totals for Southern Bank in 2021
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 | 1,105 | $242,595,000 | $219,000 | $15,505,000 | $97,000 | $2,760,000 |
| Refinancing | 626 | $173,280,000 | $276,000 | $6,705,000 | $109,000 | $3,254,000 |
| Cash-out Refinancing | 142 | $25,270,000 | $177,000 | $535,000 | $96,000 | $534,000 |
| Other Purpose | 48 | $8,710,000 | $181,000 | $1,205,000 | $180,000 | $974,000 |
| Home Improvement | 36 | $2,400,000 | $66,000 | $355,000 | $83,000 | $518,000 |
| 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 | 1,637 | $257,095,000 | $157,000 | $1,305,000 | $102,000 | $3,254,000 |
| Not applicable | 242 | $181,600,000 | $750,000 | $15,505,000 | $0 | $0 |
| Hispanic | 23 | $4,385,000 | $190,000 | $515,000 | $220,000 | $2,760,000 |
| Black or African American | 21 | $1,985,000 | $94,000 | $165,000 | $62,000 | $103,000 |
| Not Provided | 16 | $3,540,000 | $221,000 | $885,000 | $118,000 | $327,000 |
| Asian | 15 | $3,455,000 | $230,000 | $705,000 | $119,000 | $416,000 |
| American Indian or Alaskan Native | 3 | $195,000 | $65,000 | $105,000 | $99,000 | $198,000 |
| 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) | 1,855 | $439,695,000 | $237,000 | $15,505,000 | $106,000 | $3,254,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 101 | $12,495,000 | $123,000 | $275,000 | $49,000 | $91,000 |
| FHA-insured (Federal Housing Administration) | 1 | $65,000 | $65,000 | $65,000 | $32,000 | $32,000 |
| VA-guaranteed (Veterans 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 | 1,711 | $412,265,000 | $240,000 | $15,505,000 | $104,000 | $2,760,000 |
| Application Withdrawn By Applicant | 160 | $27,220,000 | $170,000 | $885,000 | $114,000 | $3,254,000 |
| Application Denied By Financial Institution | 75 | $9,895,000 | $131,000 | $405,000 | $56,000 | $112,000 |
| Application Approved But Not Accepted | 9 | $2,595,000 | $288,000 | $1,105,000 | $113,000 | $355,000 |
| File Closed For Incompleteness | 2 | $280,000 | $140,000 | $175,000 | $38,000 | $39,000 |
| 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 | 1,882 | $442,360,000 | $235,000 | $15,505,000 | $105,000 | $3,254,000 |
| Credit History | 38 | $4,210,000 | $110,000 | $355,000 | $62,000 | $112,000 |
| Debt-To-Income Ratio | 25 | $4,315,000 | $172,000 | $405,000 | $46,000 | $105,000 |
| Collateral | 5 | $655,000 | $131,000 | $325,000 | $70,000 | $104,000 |
| Other | 3 | $265,000 | $88,000 | $145,000 | $39,000 | $71,000 |
| Employment History | 3 | $315,000 | $105,000 | $185,000 | $59,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $80,000 | $80,000 |
| Mortgage Insurance Denied | 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 2021 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.
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with aggregated HMDA statistics today.