Southern Bank in Missouri vs the state
5.2%Denial rate-9.87 pts vs state
5.8%Decision denial rate-12.87 pts vs state
83.7%Origination rate+21.06 pts vs state
7.50%Median rate+0.88 pts vs state
0.22Rate spread (pts)-0.13 pts vs state
$91kMedian applicant income
1,111Loans originated
69Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,186 | 985 | 5.1% | 7.75% | #35 |
| 2024 | 1,286 | 1,086 | 5.6% | 8.25% | #36 |
| 2025 | 1,327 | 1,111 | 5.2% | 7.50% | #38 |
What Southern Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Southern Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butler County | 142 | 132 | 2 | 1.4% |
| Greene County | 131 | 114 | 2 | 1.5% |
| Cape Girardeau County | 103 | 90 | 5 | 4.9% |
| Stoddard County | 95 | 79 | 8 | 8.4% |
| Webster County | 93 | 78 | 3 | 3.2% |
| Howell County | 68 | 57 | 2 | 2.9% |
| Ripley County | 67 | 55 | 2 | 3.0% |
| Christian County | 65 | 60 | 1 | 1.5% |
| Oregon County | 55 | 48 | 2 | 3.6% |
| Scott County | 50 | 37 | 3 | 6.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 1,327 applications in 2025, of which 1,111 were originated and 69 denied.
5.2% of all applications, or 5.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Southern Bank originated in Missouri in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Southern Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology