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Southern Bancorp Bank

Bank•Arkadelphia, ARHQ•Direct•Reviews near you on Google

Southern Bancorp Bank has 183 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Rates typically 111 basis points above market average

Explore another lender or local market

Report Card

Southern Bancorp Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+110.5 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
182 loans · 1.10% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
69 loans · 1.13% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
114 loans · 1.08% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume182
Mix99.5%
Spread
+1.104%Above
Fees
$539Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Mediocre
Product
Acceptable
Pricing
Mediocre
Pull Through
Mediocre
Volume69
Mix37.7%
Spread
+1.132%Above
Fees
$872Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume114
Mix62.3%
Spread
+1.084%Above
Fees
$343Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
183
Applications
353
Volume
$23 million
Pricing & Closing
Avg Rate Spread
+1.105%
vs. market APOR
Avg Net Fees
$571
Origination − Credits
Pullthrough Rate
51.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$129,372
Avg Borrower Income
$121,230
Avg Property Value
$214,235

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

6Full-year 2024 · HMDA
6 states with loan originations
Loans originated
< 5050+None
Midwest2
KSMO
South4
ARMSSCTN

Top Metro Areas by Place Specialization Score

1© Brandonrush · CC BY-SA 3.0
Hot Springs, ARMetro
Volume 19Mix 10.38% of portfolio
64/100
Strong
2© Michael Barera · CC BY-SA 4.0
Jackson, MSMetro
Volume 10Mix 5.46% of portfolio
45/100
Sound

Top States by Place Specialization Score

Arkansas
Arkansas
1
ArkansasState
Volume 130Mix 71.04% of portfolio
73/100
Strong
Mississippi
Mississippi
2
MississippiState
Volume 48Mix 26.23% of portfolio
62/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.