Southern Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Southern Bank 2022 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 | 2,082 |
| Total Mortgage Loan Application Amount | $488,580,000 |
| Average Mortgage Loan Application Amount | $174,000 |
| Highest Mortgage Loan Application Amount | $28,805,000 |
| Average Applicant Income | $101,800 |
| Highest Applicant Income | $4,684,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greene County Missouri | 187 | $ 25,645,000 | $ 137,000 | $ 111,000 |
| Butler County Missouri | 171 | $ 25,355,000 | $ 148,000 | $ 115,000 |
| Stoddard County Missouri | 136 | $ 16,300,000 | $ 119,000 | $ 79,000 |
| Howell County Missouri | 122 | $ 14,980,000 | $ 122,000 | $ 94,000 |
| Webster County Missouri | 112 | $ 16,500,000 | $ 147,000 | $ 138,000 |
| Cape Girardeau County Missouri | 110 | $ 19,480,000 | $ 177,000 | $ 137,000 |
| Ripley County Missouri | 103 | $ 11,075,000 | $ 107,000 | $ 84,000 |
| Craighead County Arkansas | 89 | $ 12,925,000 | $ 145,000 | $ 153,000 |
| Oregon County Missouri | 88 | $ 8,500,000 | $ 96,000 | $ 65,000 |
| Christian County Missouri | 78 | $ 41,380,000 | $ 530,000 | $ 100,000 |
| Dunklin County Missouri | 74 | $ 5,410,000 | $ 73,000 | $ 74,000 |
| White County Arkansas | 61 | $ 7,575,000 | $ 124,000 | $ 95,000 |
| Stone County Missouri | 49 | $ 8,345,000 | $ 170,000 | $ 103,000 |
| Taney County Missouri | 46 | $ 5,960,000 | $ 129,000 | $ 106,000 |
| Carter County Missouri | 43 | $ 6,265,000 | $ 145,000 | $ 112,000 |
| Scott County Missouri | 43 | $ 4,285,000 | $ 99,000 | $ 92,000 |
| Greene County Arkansas | 40 | $ 4,760,000 | $ 119,000 | $ 91,000 |
| Independence County Arkansas | 36 | $ 3,030,000 | $ 84,000 | $ 77,000 |
| Poinsett County Arkansas | 33 | $ 3,055,000 | $ 92,000 | $ 95,000 |
| Fulton County Arkansas | 30 | $ 3,050,000 | $ 101,000 | $ 78,000 |
| Phelps County Missouri | 23 | $ 2,475,000 | $ 107,000 | $ 84,000 |
| St. Louis County Missouri | 21 | $ 6,495,000 | $ 309,000 | $ 157,000 |
| Wright County Missouri | 21 | $ 3,145,000 | $ 149,000 | $ 92,000 |
| Wayne County Missouri | 20 | $ 2,200,000 | $ 110,000 | $ 98,000 |
| Pulaski County Arkansas | 17 | $ 18,045,000 | $ 1,061,000 | $ 188,000 |
| Bollinger County Missouri | 14 | $ 1,440,000 | $ 102,000 | $ 90,000 |
| New Madrid County Missouri | 14 | $ 830,000 | $ 59,000 | $ 72,000 |
| Lonoke County Arkansas | 12 | $ 1,870,000 | $ 155,000 | $ 125,000 |
| Shannon County Missouri | 12 | $ 2,570,000 | $ 214,000 | $ 91,000 |
| Sharp County Arkansas | 11 | $ 1,005,000 | $ 91,000 | $ 82,000 |
| Clay County Arkansas | 10 | $ 490,000 | $ 49,000 | $ 68,000 |
| Alexander County Illinois | 9 | $ 425,000 | $ 47,000 | $ 55,000 |
| Dallas County Missouri | 9 | $ 905,000 | $ 100,000 | $ 86,000 |
| St. Louis City County Missouri | 9 | $ 6,885,000 | $ 765,000 | $ 128,000 |
| Texas County Missouri | 8 | $ 1,610,000 | $ 201,000 | $ 105,000 |
| Mississippi County Arkansas | 7 | $ 2,395,000 | $ 342,000 | $ 98,000 |
| Jefferson County Missouri | 7 | $ 5,085,000 | $ 726,000 | $ 134,000 |
| Randolph County Arkansas | 6 | $ 1,120,000 | $ 186,000 | $ 67,000 |
| Jackson County Missouri | 6 | $ 1,400,000 | $ 233,000 | $ 208,000 |
| Laclede County Missouri | 6 | $ 780,000 | $ 130,000 | $ 79,000 |
| Lawrence County Missouri | 6 | $ 1,040,000 | $ 173,000 | $ 116,000 |
| Mississippi County Missouri | 6 | $ 770,000 | $ 128,000 | $ 100,000 |
| Ozark County Missouri | 6 | $ 960,000 | $ 160,000 | $ 63,000 |
| Jackson County Arkansas | 5 | $ 395,000 | $ 79,000 | $ 73,000 |
| Pulaski County Illinois | 5 | $ 325,000 | $ 65,000 | $ 74,000 |
| Douglas County Missouri | 5 | $ 545,000 | $ 109,000 | $ 66,000 |
| Polk County Missouri | 5 | $ 1,275,000 | $ 255,000 | $ 139,000 |
| Cleburne County Arkansas | 4 | $ 350,000 | $ 87,000 | $ 127,000 |
| Lawrence County Arkansas | 4 | $ 270,000 | $ 67,000 | $ 65,000 |
| Union County Illinois | 4 | $ 250,000 | $ 62,000 | $ 72,000 |
| Johnson County Kansas | 4 | $ 1,140,000 | $ 285,000 | $ 263,000 |
| Sedgwick County Kansas | 4 | $ 6,830,000 | $ 1,707,000 | $ 0 |
| Hinds County Mississippi | 4 | $ 21,020,000 | $ 5,255,000 | $ 0 |
| Camden County Missouri | 4 | $ 930,000 | $ 232,000 | $ 123,000 |
| Dent County Missouri | 4 | $ 610,000 | $ 152,000 | $ 87,000 |
| Pemiscot County Missouri | 4 | $ 390,000 | $ 97,000 | $ 50,000 |
| Reynolds County Missouri | 4 | $ 1,030,000 | $ 257,000 | $ 140,000 |
| St. Charles County Missouri | 4 | $ 1,120,000 | $ 280,000 | $ 176,000 |
| Faulkner County Arkansas | 3 | $ 165,000 | $ 55,000 | $ 64,000 |
| Washington County Arkansas | 3 | $ 605,000 | $ 201,000 | $ 54,000 |
| Harrison County Mississippi | 3 | $ 25,275,000 | $ 8,425,000 | $ 0 |
| Hickory County Missouri | 3 | $ 205,000 | $ 68,000 | $ 31,000 |
| Williamson County Tennessee | 3 | $ 1,325,000 | $ 441,000 | $ 110,000 |
| Baldwin County Alabama | 2 | $ 9,260,000 | $ 4,630,000 | $ 0 |
| Cullman County Alabama | 2 | $ 670,000 | $ 335,000 | $ 951,000 |
| Jefferson County Alabama | 2 | $ 11,070,000 | $ 5,535,000 | $ 0 |
| Baxter County Arkansas | 2 | $ 290,000 | $ 145,000 | $ 156,000 |
| Cross County Arkansas | 2 | $ 260,000 | $ 130,000 | $ 75,000 |
| Garland County Arkansas | 2 | $ 7,090,000 | $ 3,545,000 | $ 0 |
| Woodruff County Arkansas | 2 | $ 50,000 | $ 25,000 | $ 34,000 |
| Osceola County Florida | 2 | $ 380,000 | $ 190,000 | $ 533,000 |
| Williamson County Illinois | 2 | $ 100,000 | $ 50,000 | $ 71,000 |
| Franklin County Missouri | 2 | $ 150,000 | $ 75,000 | $ 129,000 |
| Jasper County Missouri | 2 | $ 650,000 | $ 325,000 | $ 173,000 |
| Madison County Missouri | 2 | $ 410,000 | $ 205,000 | $ 168,000 |
| Perry County Missouri | 2 | $ 490,000 | $ 245,000 | $ 193,000 |
| Douglas County Nebraska | 2 | $ 870,000 | $ 435,000 | $ 236,000 |
| Bradley County Tennessee | 2 | $ 6,470,000 | $ 3,235,000 | $ 0 |
| Jefferson County Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 92,000 |
| Benton County Arkansas | 1 | $ 735,000 | $ 735,000 | $ 180,000 |
| Boone County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 184,000 |
| Johnson County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Prairie County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 214,000 |
| St. Francis County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Van Buren County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 214,000 |
| El Paso County Colorado | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| Summit County Colorado | 1 | $ 95,000 | $ 95,000 | $ 9,000 |
| Polk County Florida | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Sarasota County Florida | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Effingham County Georgia | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Muscogee County Georgia | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Jackson County Illinois | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Kankakee County Illinois | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Macon County Illinois | 1 | $ 145,000 | $ 145,000 | $ 213,000 |
| Monroe County Illinois | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Tazewell County Illinois | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Harvey County Kansas | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Leavenworth County Kansas | 1 | $ 1,855,000 | $ 1,855,000 | $ 0 |
| Marshall County Kentucky | 1 | $ 425,000 | $ 425,000 | $ 1,013,000 |
| McCracken County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Nicholas County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Montgomery County Maryland | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 565,000 | $ 565,000 | $ 336,000 |
| Kalamazoo County Michigan | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Jackson County Mississippi | 1 | $ 8,155,000 | $ 8,155,000 | $ 0 |
| Lauderdale County Mississippi | 1 | $ 8,565,000 | $ 8,565,000 | $ 0 |
| Madison County Mississippi | 1 | $ 5,055,000 | $ 5,055,000 | $ 0 |
| Audrain County Missouri | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
| Barry County Missouri | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Benton County Missouri | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Boone County Missouri | 1 | $ 265,000 | $ 265,000 | $ 161,000 |
| Cole County Missouri | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Grundy County Missouri | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Johnson County Missouri | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Morgan County Missouri | 1 | $ 295,000 | $ 295,000 | $ 121,000 |
| St. Clair County Missouri | 1 | $ 725,000 | $ 725,000 | $ 205,000 |
| Ste. Genevieve County Missouri | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Sullivan County Missouri | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Warren County Missouri | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Gage County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Sarpy County Nebraska | 1 | $ 8,405,000 | $ 8,405,000 | $ 0 |
| Nassau County New York | 1 | $ 415,000 | $ 415,000 | $ 615,000 |
| Hamilton County Ohio | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Wyandot County Ohio | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Canadian County Oklahoma | 1 | $ 22,555,000 | $ 22,555,000 | $ 0 |
| Comanche County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Payne County Oklahoma | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 395,000 | $ 395,000 | $ 156,000 |
| Cherokee County South Carolina | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Montgomery County Tennessee | 1 | $ 1,575,000 | $ 1,575,000 | $ 0 |
| Anderson County Texas | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Dallas County Texas | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Gregg County Texas | 1 | $ 1,045,000 | $ 1,045,000 | $ 0 |
| Harrison County Texas | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Matagorda County Texas | 1 | $ 1,645,000 | $ 1,645,000 | $ 0 |
| Medina County Texas | 1 | $ 4,115,000 | $ 4,115,000 | $ 0 |
| Pecos County Texas | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Norfolk County Virginia | 1 | $ 85,000 | $ 85,000 | $ 0 |
Mortgage Loan Application Detail Totals for 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 | 1,058 | $333,770,000 | $315,000 | $28,805,000 | $106,000 | $4,684,000 |
| Refinancing | 452 | $110,660,000 | $244,000 | $12,005,000 | $97,000 | $1,109,000 |
| Home Improvement | 331 | $22,925,000 | $69,000 | $705,000 | $101,000 | $951,000 |
| Other Purpose | 215 | $16,945,000 | $78,000 | $565,000 | $112,000 | $1,297,000 |
| Cash-out Refinancing | 26 | $4,280,000 | $164,000 | $645,000 | $93,000 | $269,000 |
| 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 | 1,668 | $211,710,000 | $126,000 | $985,000 | $102,000 | $4,684,000 |
| Not applicable | 330 | $261,300,000 | $791,000 | $28,805,000 | $0 | $0 |
| Not Provided | 23 | $5,655,000 | $245,000 | $1,505,000 | $154,000 | $620,000 |
| Hispanic | 23 | $3,065,000 | $133,000 | $845,000 | $138,000 | $1,108,000 |
| Black or African American | 17 | $1,205,000 | $70,000 | $215,000 | $70,000 | $178,000 |
| Asian | 16 | $5,110,000 | $319,000 | $2,155,000 | $202,000 | $615,000 |
| American Indian or Alaskan Native | 4 | $430,000 | $107,000 | $185,000 | $67,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $62,000 | $62,000 |
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) | 2,015 | $480,145,000 | $238,000 | $28,805,000 | $106,000 | $4,684,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $8,435,000 | $125,000 | $245,000 | $49,000 | $115,000 |
| 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 | 1,835 | $453,545,000 | $247,000 | $28,805,000 | $108,000 | $4,684,000 |
| Application Withdrawn By Applicant | 150 | $21,580,000 | $143,000 | $795,000 | $90,000 | $533,000 |
| Application Denied By Financial Institution | 88 | $9,330,000 | $106,000 | $325,000 | $60,000 | $200,000 |
| Application Approved But Not Accepted | 9 | $4,125,000 | $458,000 | $1,805,000 | $93,000 | $142,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,994 | $479,250,000 | $240,000 | $28,805,000 | $106,000 | $4,684,000 |
| Credit History | 41 | $2,875,000 | $70,000 | $245,000 | $56,000 | $162,000 |
| Debt-To-Income Ratio | 33 | $4,265,000 | $129,000 | $305,000 | $54,000 | $167,000 |
| Employment History | 7 | $1,225,000 | $175,000 | $325,000 | $72,000 | $166,000 |
| Collateral | 4 | $500,000 | $125,000 | $185,000 | $65,000 | $82,000 |
| Other | 3 | $465,000 | $155,000 | $215,000 | $132,000 | $200,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 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 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.