Applications / Mortgage Analytics / Lenders / Missouri / Southern Bank
Poplar Bluff, MO · State member bank · FRS · $5.0 billion assets · 1,486 loans in 2025
Southern Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,486
loans originated, 2025
1,776
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southern Bank is a Missouri bank of small loans, typically $115,000 against $195,000 at similar lenders, with a quarter of its lending in LMI (low- and moderate-income) areas.
Its typical loan was smaller than at more than four in five similar lenders (state member banks making between half and twice as many loans). Home improvement was 18.1% of its loans and other purposes 13.4%, and manufactured homes 5.0%, against 1.7% at peers. It made no FHA loans (insured by the Federal Housing Administration) or VA loans (guaranteed by the Department of Veterans Affairs).
LMI areas took 24.7% of its loans, higher than more than nine in ten peers (15.0%), up from 14.0% five years before. LMI borrowers took 27.1%, near peers' 26.5%. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 0.9%, against 0.1%, down from 3.9% five years before.
Its higher-priced share (a rate well above the average for similar loans) was 3.4%, against 1.3% at peers, and its typical rate 7.45%, against 6.88%. Home-improvement and other-purpose loans, nearly a third of its lending, and manufactured homes are often priced this way and could account for most of the difference.
It ranked 5 of 157 lenders in Cape Girardeau, with 5.2%, and 11 of 640 in non-metro Missouri. Originations rose 2% to 1,486, against 10% at similar lenders and for the whole market; they were 733 in 2018.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southern Bank took 1,776 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.6% · Refinance 21.9% · Home improvement 18.1% · Other 13.4%
Conventional 99.1% · USDA (RHS or FSA) 0.9% · of 1,486 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 1,111 | 74.8% |
| Arkansas | 306 | 20.6% |
| Illinois | 35 | 2.4% |
| Kansas | 7 | 0.5% |
| Tennessee | 6 | 0.4% |
| New York | 4 | 0.3% |
| Texas | 4 | 0.3% |
| Florida | 3 | 0.2% |
| Ohio | 3 | 0.2% |
| Oklahoma | 3 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 259 |
| Cape Girardeau | 102 |
| Jonesboro | 98 |
| Little Rock-North Little Rock-Conway | 41 |
| St. Louis | 37 |
| Kansas City | 35 |
| St. Joseph | 15 |
| Hot Springs | 5 |
| Columbia | 4 |
| Cincinnati | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YKBMBBIIMQJS94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 272272 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2272272 | 2010–2017 |
Established 1 January 1887. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Southern Bank's data.
Southern Bank's data
$215
Southern Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Southern Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]