Southern Bank mortgage approval rate & lending review
Southern Bank decided 708 mortgage applications and funded 678 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Southern Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Southern Bank at a glance
Approval is 18.0 points above the 78.7% 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 | 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
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 Southern Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Craighead County, AR | Investment property purchase | 100% | 83 | 82 |
| Greene County, MO | Investment property purchase | 99% | 75 | 74 |
| Greene County, MO | Home improvement loans | 95% | 63 | 60 |
| Greene County, MO | Mortgage lenders | 98% | 49 | 47 |
| Pulaski County, AR | Investment property purchase | 100% | 33 | 33 |
| Craighead County, AR | Mortgage lenders | 100% | 29 | 29 |
| Greene County, MO | Investment refinance | 100% | 28 | 28 |
| Craighead County, AR | Refinance | 100% | 23 | 23 |
| Greene County, MO | Refinance | 96% | 23 | 22 |
The county markets where Southern Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Southern Bank
What is Southern Bank's mortgage approval rate?
Southern Bank approved 96.8% of the 708 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.0 points above the 78.7% national rate for the same mix of loan types.
How often do borrowers take the loan Southern Bank offers?
Borrowers accepted 99% of the loans Southern Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Southern Bank make?
The typical investment property mortgage loan Southern Bank made was $145K; across all loan types its typical loan ran from $45K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Southern Bank lend?
Southern Bank decided applications in 16 of the states Fat Boy Data covers, most of them in Missouri, Arkansas and Kansas.
Can I apply to Southern Bank directly?
Yes. Southern Bank is a bank or credit union with 80 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show 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 Southern Bank treats applications, then get a rate quote from the lender.