Great Southern Bank mortgage approval rate & lending review
Great Southern Bank decided 2,079 mortgage applications and funded 1,705 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Great Southern Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Great Southern Bank at a glance
Approval is 3.7 points above the 78.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 949 / 1,007 | 100% | $225K | 949 |
| Home improvement loans | 56% | 246 / 441 | 100% | $45K | 245 |
| Cash-out refinance | 75% | 138 / 183 | 100% | $135K | 138 |
| Refinance | 78% | 196 / 250 | 99% | $135K | 194 |
| Investment property purchase | 99% | 139 / 141 | 96% | $165K | 134 |
| Investment refinance | 92% | 35 / 38 | 91% | $155K | 32 |
Great Southern Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 82% | $225K | 1,352 | 1,097 |
| Iowa | 84% | $175K | 348 | 291 |
| Minnesota | 81% | $185K | 93 | 74 |
| Kansas | 81% | $255K | 74 | 59 |
| Arkansas | 75% | $145K | 56 | 41 |
| Florida | 92% | $225K | 25 | 22 |
| Illinois | 90% | $145K | 21 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Great Southern Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Greene County, MO | Mortgage lenders | 95% | 484 | 458 |
| Woodbury County, IA | Mortgage lenders | 94% | 126 | 119 |
| Greene County, MO | Home improvement loans | 54% | 195 | 105 |
| Greene County, MO | Refinance | 77% | 105 | 81 |
| Greene County, MO | Cash-out refinance | 75% | 102 | 77 |
| Greene County, MO | Investment property purchase | 98% | 58 | 56 |
| Woodbury County, IA | Home improvement loans | 68% | 40 | 27 |
| St. Louis County, MO | Mortgage lenders | 87% | 30 | 26 |
| St. Louis city, MO | Mortgage lenders | 87% | 30 | 26 |
| Scott County, IA | Mortgage lenders | 96% | 26 | 25 |
| Woodbury County, IA | Refinance | 81% | 26 | 21 |
| St. Charles County, MO | Home improvement loans | 59% | 32 | 19 |
The county markets where Great Southern Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Great Southern Bank
What is Great Southern Bank's mortgage approval rate?
Great Southern Bank approved 82.6% of the 2,079 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.7 points above the 78.8% national rate for the same mix of loan types.
How often do borrowers take the loan Great Southern Bank offers?
Borrowers accepted 99% of the loans Great Southern Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Great Southern Bank make?
The typical home purchase mortgage loan Great Southern Bank made was $225K; across all loan types its typical loan ran from $45K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Great Southern Bank lend?
Great Southern Bank decided applications in 39 of the states Fat Boy Data covers, most of them in Missouri, Iowa and Minnesota.
Can I apply to Great Southern Bank directly?
Yes. Great Southern Bank is a bank or credit union with 118 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Great Southern Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Great Southern Bank treats applications, then get a rate quote from the lender.