Southern Bank Mortgage Lending & HMDA Data, 2021
In 2021, Southern Bank of Poplar Bluff, MO reported 1,957 mortgage applications totaling $452.3 million, down 10% from 2020. The average application was for $231,096, and applicants reported an average income of $102,544. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Springfield, MO (357), Cape Girardeau, MO-IL (136) and Jonesboro, AR (120) (applications in parentheses).
| Mortgage Company & Address | Southern Bank 531 Vine St Poplar Bluff, MO 63901 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 |
| Total Number of Mortgage Applications | 1,957 |
| Total Mortgage Loan Application Amount | $452,255,000 |
| Average Mortgage Loan Application Amount | $231,096 |
| Highest Mortgage Loan Application Amount | $15,505,000 |
| Average Applicant Income | $102,544 |
| Highest Applicant Income | $3,254,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 1,220 | $ 209,670,000 | $ 171,860 | $ 94,368 |
| Springfield, MO | 357 | $ 66,885,000 | $ 187,352 | $ 117,000 |
| Cape Girardeau, MO-IL | 136 | $ 26,980,000 | $ 198,382 | $ 101,683 |
| Jonesboro, AR | 120 | $ 18,230,000 | $ 151,916 | $ 106,000 |
| Little Rock-North Little Rock-Conway, AR | 33 | $ 8,795,000 | $ 266,515 | $ 188,000 |
| St. Louis, MO-IL | 11 | $ 2,345,000 | $ 213,181 | $ 157,000 |
| Kansas City, MO-KS | 6 | $ 2,620,000 | $ 436,666 | $ 95,833 |
| Carbondale-Marion, IL | 5 | $ 275,000 | $ 55,000 | $ 57,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 1,555,000 | $ 311,000 | $ 112,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,595,000 | $ 519,000 | $ 157,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 930,000 | $ 232,500 | $ 92,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 29,320,000 | $ 7,330,000 | $ 0 |
| Knoxville, TN | 3 | $ 7,965,000 | $ 2,655,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,145,000 | $ 381,666 | $ 194,000 |
| Topeka, KS | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Abilene, TX | 2 | $ 10,210,000 | $ 5,105,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,330,000 | $ 665,000 | $ 375,000 |
| Columbus, GA-AL | 2 | $ 13,270,000 | $ 6,635,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 2 | $ 1,340,000 | $ 670,000 | $ 358,000 |
| Joplin, MO | 2 | $ 1,360,000 | $ 680,000 | $ 0 |
| Longview, TX | 2 | $ 8,770,000 | $ 4,385,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 3,870,000 | $ 1,935,000 | $ 416,000 |
| Monroe, LA | 2 | $ 2,500,000 | $ 1,250,000 | $ 0 |
| Oklahoma City, OK | 2 | $ 8,790,000 | $ 4,395,000 | $ 0 |
| Tulsa, OK | 2 | $ 3,010,000 | $ 1,505,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 2,065,000 | $ 2,065,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 725,000 | $ 725,000 | $ 274,000 |
| Chicago-Naperville, IL | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Dallas-Plano-Irving, TX | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 405,000 | $ 405,000 | $ 689,000 |
| Florence-Muscle Shoals, AL | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 885,000 | $ 885,000 | $ 263,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Jackson, TN | 1 | $ 2,515,000 | $ 2,515,000 | $ 0 |
| Johnson City, TN | 1 | $ 2,305,000 | $ 2,305,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 1,755,000 | $ 1,755,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 755,000 | $ 755,000 | $ 263,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 325,000 | $ 325,000 | $ 233,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Rapid City, SD | 1 | $ 305,000 | $ 305,000 | $ 860,000 |
| Tallahassee, FL | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Wichita, KS | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 2,385,000 | $ 2,385,000 | $ 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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