Applications / Mortgage Analytics / Lenders / Missouri / Great Southern Bank
Reeds Spring, MO · State non-member bank · FDIC · $5.6 billion assets · 1,311 loans in 2025
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1,311
loans originated, 2025
1,953
applications, 2025
26
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Great Southern Bank is a Missouri bank with a broad mix of purchase, refinance, home improvement and other loans, whose loan count grew 6% in 2025 while the dollars it lent rose much faster.
It made 1,311 loans, up 6% from 1,241, slower than the 10% of the typical similar lender (state non-member banks making between half and twice as many loans). The dollars it lent rose from $272.6 million to $383.2 million, and its jumbo share (loans larger than the conforming limit) rose from 1.4% to 2.9%, so more larger loans may account for part of the increase.
Home purchases were 44.2% of its lending, refinances 24.0%, and home improvement and other-purpose loans 15.9% each. That mix may explain why its typical loan, $155,000, was lower than about seven in ten similar lenders, against $195,000 for the typical one.
Its share in St. Louis, IL-MO rose from 0.3% to 0.6%, ranking 33 of 637. In Springfield, MO, a market it has served since before 1990, it ranked 8 of 351 but its share fell from 3.8% to 3.0%. That may reflect rivals growing faster there (Flat Branch Mortgage ranked first), or its own lending shifting toward St. Louis.
Low- and moderate-income (LMI) borrowers took 32.5% of its loans, more than about seven in ten similar lenders and up from 25.4% five years earlier.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Great Southern Bank took 1,953 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.2% · Refinance 24.0% · Home improvement 15.9% · Other 15.9%
Conventional 92.6% · FHA 4.8% · VA 1.6% · USDA (RHS or FSA) 1.0% · of 1,311 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 | 915 | 69.8% |
| Iowa | 198 | 15.1% |
| Kansas | 76 | 5.8% |
| Minnesota | 31 | 2.4% |
| Nebraska | 16 | 1.2% |
| Illinois | 14 | 1.1% |
| Arkansas | 12 | 0.9% |
| Florida | 8 | 0.6% |
| North Carolina | 7 | 0.5% |
| California | 6 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 443 |
| St. Louis | 221 |
| Kansas City | 84 |
| Sioux City | 82 |
| Des Moines-West Des Moines | 53 |
| Minneapolis-St. Paul-Bloomington | 30 |
| Joplin | 28 |
| Davenport-Moline-Rock Island | 21 |
| Fayetteville-Springdale-Rogers | 9 |
| Omaha | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 1TMVIO1SD0RLIPEIW803 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 572374 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43641 | 1990–1997 |
| Respondent ID (the HMDA filer code before 2018) | 329546 | 1999–2017 |
Established 1 January 1923. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Great Southern Bank's data.
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