Lender profile · HMDA 2023–2025
Southern Bank mortgage approval rates & lending data
Southern Bank decided 708 mortgage applications and funded 678 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 128 / 132 | 98% | $215K | 126 |
| Home improvement loans | 93% | 111 / 119 | 99% | $45K | 110 |
| Refinance | 90% | 78 / 87 | 97% | $175K | 76 |
| Investment property purchase | 100% | 257 / 258 | 100% | $145K | 256 |
| Investment refinance | 100% | 60 / 60 | 100% | $75K | 60 |
| Investment home improvement | 98% | 42 / 43 | 98% | $65K | 41 |
Southern Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 96% | $145K | 394 | 374 |
| Arkansas | 98% | $125K | 254 | 248 |
| Kansas | 85% | $255K | 13 | 11 |
| Florida | 100% | $155K | 12 | 12 |
| Texas | 100% | $85K | 8 | 7 |
| Oklahoma | 100% | $185K | 5 | 4 |
| Tennessee | 100% | $125K | 5 | 5 |
| California | 100% | $555K | 4 | 4 |
| Illinois | 100% | $105K | 4 | 4 |
| Alabama | 100% | $145K | 3 | 3 |
| Arizona | 100% | $335K | 1 | 1 |
| Kentucky | 100% | $5.36M | 1 | 1 |
| Michigan | 100% | $645K | 1 | 1 |
| Mississippi | 100% | $45K | 1 | 1 |
| New York | 100% | $475K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.