Southern Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Southern Bank 2023 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 | 1,570 |
| Total Mortgage Loan Application Amount | $284,400,000 |
| Average Mortgage Loan Application Amount | $160,200 |
| Highest Mortgage Loan Application Amount | $12,005,000 |
| Average Applicant Income | $124,400 |
| Highest Applicant Income | $6,263,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 132 | $ 19,170,000 | $ 145,000 | $ 122,000 |
| Greene County Missouri | 114 | $ 14,820,000 | $ 130,000 | $ 134,000 |
| Stoddard County Missouri | 101 | $ 13,615,000 | $ 134,000 | $ 118,000 |
| Cape Girardeau County Missouri | 98 | $ 16,010,000 | $ 163,000 | $ 132,000 |
| Ripley County Missouri | 73 | $ 7,245,000 | $ 99,000 | $ 102,000 |
| Howell County Missouri | 72 | $ 9,260,000 | $ 128,000 | $ 107,000 |
| Webster County Missouri | 70 | $ 9,980,000 | $ 142,000 | $ 113,000 |
| Christian County Missouri | 66 | $ 9,260,000 | $ 140,000 | $ 140,000 |
| Craighead County Arkansas | 55 | $ 9,205,000 | $ 167,000 | $ 174,000 |
| Oregon County Missouri | 54 | $ 4,580,000 | $ 84,000 | $ 69,000 |
| Dunklin County Missouri | 52 | $ 4,000,000 | $ 76,000 | $ 117,000 |
| Scott County Missouri | 34 | $ 5,460,000 | $ 160,000 | $ 240,000 |
| Stone County Missouri | 33 | $ 5,425,000 | $ 164,000 | $ 141,000 |
| White County Arkansas | 31 | $ 3,605,000 | $ 116,000 | $ 93,000 |
| Carter County Missouri | 31 | $ 5,855,000 | $ 188,000 | $ 134,000 |
| Greene County Arkansas | 30 | $ 3,620,000 | $ 120,000 | $ 130,000 |
| Poinsett County Arkansas | 30 | $ 3,880,000 | $ 129,000 | $ 95,000 |
| Taney County Missouri | 27 | $ 3,435,000 | $ 127,000 | $ 102,000 |
| Union County Illinois | 24 | $ 1,650,000 | $ 68,000 | $ 87,000 |
| Pulaski County Arkansas | 20 | $ 8,930,000 | $ 446,000 | $ 135,000 |
| Independence County Arkansas | 18 | $ 2,680,000 | $ 148,000 | $ 75,000 |
| Alexander County Illinois | 18 | $ 910,000 | $ 50,000 | $ 53,000 |
| Phelps County Missouri | 18 | $ 1,760,000 | $ 97,000 | $ 90,000 |
| Nodaway County Missouri | 13 | $ 2,415,000 | $ 185,000 | $ 75,000 |
| Wright County Missouri | 13 | $ 1,775,000 | $ 136,000 | $ 86,000 |
| Fulton County Arkansas | 12 | $ 730,000 | $ 60,000 | $ 59,000 |
| St. Louis County Missouri | 12 | $ 1,970,000 | $ 164,000 | $ 245,000 |
| Baxter County Arkansas | 11 | $ 3,705,000 | $ 336,000 | $ 161,000 |
| Lonoke County Arkansas | 11 | $ 1,165,000 | $ 105,000 | $ 149,000 |
| Clay County Arkansas | 10 | $ 530,000 | $ 53,000 | $ 75,000 |
| Jefferson County Missouri | 10 | $ 1,850,000 | $ 185,000 | $ 148,000 |
| New Madrid County Missouri | 10 | $ 510,000 | $ 51,000 | $ 54,000 |
| Wayne County Missouri | 10 | $ 1,870,000 | $ 187,000 | $ 121,000 |
| Clay County Missouri | 9 | $ 1,715,000 | $ 190,000 | $ 262,000 |
| Bollinger County Missouri | 8 | $ 1,750,000 | $ 218,000 | $ 898,000 |
| Pemiscot County Missouri | 8 | $ 710,000 | $ 88,000 | $ 104,000 |
| St. Louis City County Missouri | 8 | $ 3,240,000 | $ 405,000 | $ 184,000 |
| Sharp County Arkansas | 7 | $ 585,000 | $ 83,000 | $ 53,000 |
| Johnson County Kansas | 7 | $ 1,475,000 | $ 210,000 | $ 165,000 |
| Lawrence County Missouri | 7 | $ 845,000 | $ 120,000 | $ 103,000 |
| Ozark County Missouri | 7 | $ 1,925,000 | $ 275,000 | $ 171,000 |
| Polk County Missouri | 7 | $ 695,000 | $ 99,000 | $ 96,000 |
| Buchanan County Missouri | 6 | $ 440,000 | $ 73,000 | $ 73,000 |
| Platte County Missouri | 6 | $ 790,000 | $ 131,000 | $ 222,000 |
| Jackson County Arkansas | 5 | $ 395,000 | $ 79,000 | $ 36,000 |
| Laclede County Missouri | 5 | $ 535,000 | $ 107,000 | $ 144,000 |
| Livingston County Missouri | 5 | $ 465,000 | $ 93,000 | $ 57,000 |
| Cleburne County Arkansas | 4 | $ 430,000 | $ 107,000 | $ 91,000 |
| Saline County Arkansas | 4 | $ 670,000 | $ 167,000 | $ 126,000 |
| Madison County Illinois | 4 | $ 990,000 | $ 247,000 | $ 170,000 |
| Pulaski County Illinois | 4 | $ 140,000 | $ 35,000 | $ 52,000 |
| Williamson County Illinois | 4 | $ 2,300,000 | $ 575,000 | $ 91,000 |
| Barry County Missouri | 4 | $ 340,000 | $ 85,000 | $ 57,000 |
| Grundy County Missouri | 4 | $ 110,000 | $ 27,000 | $ 29,000 |
| Macon County Missouri | 4 | $ 130,000 | $ 32,000 | $ 71,000 |
| Pulaski County Missouri | 4 | $ 530,000 | $ 132,000 | $ 75,000 |
| Lawrence County Arkansas | 3 | $ 235,000 | $ 78,000 | $ 145,000 |
| Randolph County Arkansas | 3 | $ 265,000 | $ 88,000 | $ 40,000 |
| Cass County Missouri | 3 | $ 315,000 | $ 105,000 | $ 114,000 |
| Cooper County Missouri | 3 | $ 105,000 | $ 35,000 | $ 45,000 |
| Douglas County Missouri | 3 | $ 405,000 | $ 135,000 | $ 111,000 |
| Jackson County Missouri | 3 | $ 1,135,000 | $ 378,000 | $ 252,000 |
| Linn County Missouri | 3 | $ 135,000 | $ 45,000 | $ 46,000 |
| Mississippi County Missouri | 3 | $ 105,000 | $ 35,000 | $ 139,000 |
| Jefferson County Alabama | 2 | $ 670,000 | $ 335,000 | $ 668,000 |
| Garland County Arkansas | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Mississippi County Arkansas | 2 | $ 180,000 | $ 90,000 | $ 107,000 |
| Pope County Arkansas | 2 | $ 400,000 | $ 200,000 | $ 68,000 |
| Van Buren County Arkansas | 2 | $ 190,000 | $ 95,000 | $ 135,000 |
| Washington County Arkansas | 2 | $ 480,000 | $ 240,000 | $ 115,000 |
| Escambia County Florida | 2 | $ 380,000 | $ 190,000 | $ 144,000 |
| Lee County Florida | 2 | $ 580,000 | $ 290,000 | $ 150,000 |
| Polk County Florida | 2 | $ 610,000 | $ 305,000 | $ 115,000 |
| Santa Rosa County Florida | 2 | $ 1,830,000 | $ 915,000 | $ 275,000 |
| Franklin County Kentucky | 2 | $ 210,000 | $ 105,000 | $ 64,000 |
| Dallas County Missouri | 2 | $ 130,000 | $ 65,000 | $ 139,000 |
| Dent County Missouri | 2 | $ 160,000 | $ 80,000 | $ 84,000 |
| Franklin County Missouri | 2 | $ 150,000 | $ 75,000 | $ 157,000 |
| Hickory County Missouri | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Reynolds County Missouri | 2 | $ 180,000 | $ 90,000 | $ 129,000 |
| St. Francois County Missouri | 2 | $ 300,000 | $ 150,000 | $ 128,000 |
| Texas County Missouri | 2 | $ 40,000 | $ 20,000 | $ 47,000 |
| York County Virginia | 2 | $ 190,000 | $ 95,000 | $ 74,000 |
| Butler County Alabama | 1 | $ 2,355,000 | $ 2,355,000 | $ 0 |
| Cullman County Alabama | 1 | $ 875,000 | $ 875,000 | $ 1,141,000 |
| Carroll County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Cross County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 11,000 |
| Drew County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 96,000 |
| Faulkner County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 115,000 |
| Franklin County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 97,000 |
| Grant County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Hot Spring County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 179,000 |
| Izard County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Woodruff County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Solano County California | 1 | $ 655,000 | $ 655,000 | $ 163,000 |
| Bay County Florida | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| Brevard County Florida | 1 | $ 745,000 | $ 745,000 | $ 180,000 |
| Pinellas County Florida | 1 | $ 1,535,000 | $ 1,535,000 | $ 1,343,000 |
| Clay County Illinois | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Coles County Illinois | 1 | $ 45,000 | $ 45,000 | $ 33,000 |
| Taylor County Iowa | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Atchison County Kansas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Miami County Kansas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Wyandotte County Kansas | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Hardin County Kentucky | 1 | $ 5,355,000 | $ 5,355,000 | $ 0 |
| Henderson County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Marshall County Kentucky | 1 | $ 445,000 | $ 445,000 | $ 0 |
| McCreary County Kentucky | 1 | $ 1,705,000 | $ 1,705,000 | $ 0 |
| Trigg County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 97,000 |
| Coahoma County Mississippi | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| DeSoto County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 253,000 |
| Leake County Mississippi | 1 | $ 2,735,000 | $ 2,735,000 | $ 0 |
| Leflore County Mississippi | 1 | $ 3,475,000 | $ 3,475,000 | $ 0 |
| Sunflower County Mississippi | 1 | $ 3,205,000 | $ 3,205,000 | $ 0 |
| Benton County Missouri | 1 | $ 95,000 | $ 95,000 | $ 128,000 |
| Caldwell County Missouri | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Camden County Missouri | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Cole County Missouri | 1 | $ 115,000 | $ 115,000 | $ 93,000 |
| Dade County Missouri | 1 | $ 195,000 | $ 195,000 | $ 96,000 |
| DeKalb County Missouri | 1 | $ 505,000 | $ 505,000 | $ 250,000 |
| Holt County Missouri | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Iron County Missouri | 1 | $ 445,000 | $ 445,000 | $ 207,000 |
| Madison County Missouri | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Maries County Missouri | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Moniteau County Missouri | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Morgan County Missouri | 1 | $ 95,000 | $ 95,000 | $ 204,000 |
| Perry County Missouri | 1 | $ 115,000 | $ 115,000 | $ 144,000 |
| Pike County Missouri | 1 | $ 145,000 | $ 145,000 | $ 174,000 |
| Ray County Missouri | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Saline County Missouri | 1 | $ 3,335,000 | $ 3,335,000 | $ 0 |
| Shannon County Missouri | 1 | $ 115,000 | $ 115,000 | $ 98,000 |
| St. Charles County Missouri | 1 | $ 145,000 | $ 145,000 | $ 126,000 |
| Washington County Missouri | 1 | $ 45,000 | $ 45,000 | $ 142,000 |
| Rowan County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Beckham County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Tillman County Oklahoma | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Wagoner County Oklahoma | 1 | $ 545,000 | $ 545,000 | $ 210,000 |
| Cocke County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 186,000 |
| Knox County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Shelby County Tennessee | 1 | $ 5,255,000 | $ 5,255,000 | $ 0 |
| Anderson County Texas | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Brazoria County Texas | 1 | $ 4,755,000 | $ 4,755,000 | $ 0 |
| Harris County Texas | 1 | $ 12,005,000 | $ 12,005,000 | $ 0 |
| Midland County Texas | 1 | $ 6,005,000 | $ 6,005,000 | $ 0 |
| Pecos County Texas | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Randall County Texas | 1 | $ 6,305,000 | $ 6,305,000 | $ 0 |
| Rockwall County Texas | 1 | $ 105,000 | $ 105,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Southern Bank in 2023
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 | 818 | $194,670,000 | $237,000 | $12,005,000 | $139,000 | $6,263,000 |
| Home Improvement | 285 | $19,735,000 | $69,000 | $685,000 | $109,000 | $1,924,000 |
| Refinancing | 266 | $51,710,000 | $194,000 | $6,305,000 | $103,000 | $1,099,000 |
| Other Purpose | 194 | $16,780,000 | $86,000 | $1,535,000 | $131,000 | $1,503,000 |
| Cash-out Refinancing | 7 | $1,505,000 | $215,000 | $545,000 | $140,000 | $422,000 |
| 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 | 1,246 | $165,580,000 | $132,000 | $1,535,000 | $126,000 | $6,263,000 |
| Not applicable | 244 | $111,140,000 | $455,000 | $12,005,000 | $0 | $0 |
| Hispanic | 29 | $2,655,000 | $91,000 | $375,000 | $111,000 | $527,000 |
| Black or African American | 21 | $1,195,000 | $56,000 | $175,000 | $71,000 | $188,000 |
| Not Provided | 20 | $1,880,000 | $94,000 | $255,000 | $104,000 | $235,000 |
| Asian | 8 | $1,750,000 | $218,000 | $745,000 | $382,000 | $1,200,000 |
| American Indian or Alaskan Native | 2 | $200,000 | $100,000 | $125,000 | $29,000 | $29,000 |
| 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) | 1,536 | $280,420,000 | $182,000 | $12,005,000 | $128,000 | $6,263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $3,980,000 | $117,000 | $215,000 | $52,000 | $117,000 |
| 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 | 1,304 | $251,400,000 | $192,000 | $12,005,000 | $133,000 | $6,263,000 |
| Application Withdrawn By Applicant | 166 | $23,640,000 | $142,000 | $745,000 | $114,000 | $1,080,000 |
| Application Denied By Financial Institution | 84 | $7,780,000 | $92,000 | $445,000 | $62,000 | $274,000 |
| Application Approved But Not Accepted | 13 | $1,345,000 | $103,000 | $225,000 | $102,000 | $251,000 |
| File Closed For Incompleteness | 3 | $235,000 | $78,000 | $95,000 | $59,000 | $112,000 |
| 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 | 1,486 | $276,620,000 | $186,000 | $12,005,000 | $130,000 | $6,263,000 |
| Credit History | 46 | $3,490,000 | $75,000 | $235,000 | $58,000 | $123,000 |
| Debt-To-Income Ratio | 26 | $3,180,000 | $122,000 | $445,000 | $55,000 | $191,000 |
| Other | 6 | $400,000 | $66,000 | $155,000 | $115,000 | $274,000 |
| Collateral | 4 | $620,000 | $155,000 | $185,000 | $68,000 | $80,000 |
| Employment History | 2 | $90,000 | $45,000 | $55,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southern Bank's 2023 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.