What loan types does Southern Bank offer?

Southern Bank offers the following mortgage loan types: Conventional, usda. Each product has its own pricing score and performance metrics.

Where does Southern Bank offer mortgages?

Southern Bank offers mortgages in 8 states: AR, CO, FL, IL, MI, MO, OK, UT.

How competitive are Southern Bank's mortgage rates?

Southern Bank has an overall pricing score of 52.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Southern Bank?

Southern Bank is a Bank headquartered in Poplar Bluff, MO.

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Southern Bank

Bank•Poplar Bluff, MOHQ•Direct•Reviews near you on Google

Southern Bank has 369 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · USDA

Place

Sound

3/5

Multi-Region · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Summary

What They Do Well

Particularly strong in Conventional and USDA loans

Explore another lender or local market

Report Card

Southern Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+35.4 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

340 loans · 0.35% above market

Strong

Top 40% of lenders

4/5

USDA

24 loans · 0.66% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

289 loans · 0.35% above market

Sound

Top 60% of lenders

3/5

Refinance

80 loans · 0.37% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Sound	Strong	340	92.1%	+0.349%Above	$535Fees
USDA Loans	Strong	Strong	—	Sound	24	6.5%	+0.658%Above	$947Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume340

Mix92.1%

Spread

+0.349%Above

Fees

$535Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume24

Mix6.5%

Spread

+0.658%Above

Fees

$947Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	289	78.3%	+0.349%Above	$557Fees
Refinance	Sound	Sound	Sound	Strong	80	21.7%	+0.370%Above	$541Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume289

Mix78.3%

Spread

+0.349%Above

Fees

$557Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume80

Mix21.7%

Spread

+0.370%Above

Fees

$541Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

369

Applications

503

Volume

$77 million

Pricing & Closing

Avg Rate Spread

+0.354%

vs. market APOR

Avg Net Fees

$554

Origination − Credits

Pullthrough Rate

73.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$210,420

Avg Borrower Income

$139,778

Avg Property Value

$302,886

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

8Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest3

ILMIMO

South3

ARFLOK

West2

COUT

Top Metro Areas by Place Specialization Score

Jonesboro, ARMetro

Volume 26Mix 7.05% of portfolio

70/100

Strong

Springfield, MOMetro

Volume 50Mix 13.55% of portfolio

68/100

Strong

Cape Girardeau, MO, MO-ILMetro

Volume 18Mix 4.88% of portfolio

56/100

Sound

St. Louis, MO, MO-ILMetro

Volume 12Mix 3.25% of portfolio

44/100

Sound

Top States by Place Specialization Score

MissouriState

Volume 297Mix 80.49% of portfolio

77/100

Strong

ArkansasState

Volume 56Mix 15.18% of portfolio

61/100

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(80%+ = 40-50 points)

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.