Great Southern Bank Mortgage Rates, Fees & Info

Reeds Spring, MO

LEI: 1TMVIO1SD0RLIPEIW803

Tax ID: 44-0267430

5 stars - out of 5 stars, based on 53 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Great Southern Bank is a small bank specializing in Home Purchase and Refi loans. Great Southern Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include St. Louis, Springfield, Des Moines, Denver, and Dallas among others. Great Southern Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Great Southern Bank is typically a low fee lendor.


Originations

2,803

Origination Dollar Volume (All Markets)

$1,155,545,000

Employee count

1,017 Show all (20) awards

Relative Rate

Great Southern Bank's average 30 year fixed rate mortgage of loans were 3.09%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.06%.

Relative Fees

Great Southern Bank's average total fees for a 30 year fixed rate mortgage are $2,983.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
ST. LOUIS, MO-IL (FHA|USDA|VA) 452 $202,510,000 $448,031 $2,789 3.03%
SPRINGFIELD, MO (FHA|USDA|VA) 812 $156,270,000 $192,451 $2,526 3.07%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 161 $100,865,000 $626,491 $2,726 3.02%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $84,815,000 $9,423,889 $3,134 3.30%
Outside of Metro Areas 374 $58,800,000 $157,219 $2,774 3.04%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $55,270,000 $5,527,000 $6,844 3.31%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 101 $53,055,000 $525,297 $2,050 3.15%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $47,265,000 $47,265,000 $0 3.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 153 $39,465,000 $257,941 $2,837 3.04%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $29,125,000 $9,708,333 $7,627 3.25%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 147 $28,595,000 $194,524 $2,756 3.06%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $26,100,000 $6,525,000 $6,100 3.22%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $22,155,000 $22,155,000 $0 3.50%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $18,555,000 $2,650,714 $4,180 3.15%
COLUMBIA, MO (FHA|USDA|VA) 8 $16,230,000 $2,028,750 $2,357 2.94%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 60 $15,660,000 $261,000 $2,361 2.95%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $14,930,000 $7,465,000 $1,775 3.12%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $11,300,000 $5,650,000 $0 3.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 41 $10,255,000 $250,122 $2,587 3.13%
Branson, MO (FHA|USDA|VA) 40 $8,860,000 $221,500 $3,146 3.06%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $8,835,000 $1,767,000 $4,573 2.97%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $8,435,000 $2,811,667 $103,450 3.10%
JOPLIN, MO (FHA|USDA|VA) 61 $6,575,000 $107,787 $2,751 3.07%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 11 $6,275,000 $570,455 $4,281 3.06%
LAWTON, OK (FHA|USDA|VA) 3 $4,775,000 $1,591,667 $2,607 3.65%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $4,660,000 $582,500 $4,555 3.04%
FORT SMITH, AR-OK (FHA|USDA|VA) 3 $4,605,000 $1,535,000 $3,965 3.32%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $4,135,000 $827,000 $4,235 2.93%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $3,760,000 $626,667 $3,666 3.03%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 12 $3,730,000 $310,833 $3,578 3.00%
Edwards, CO (FHA|USDA|VA) 2 $3,580,000 $1,790,000 $5,896 3.11%
MADISON, WI (FHA|USDA|VA) 1 $3,495,000 $3,495,000 $0 4.75%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $2,850,000 $1,425,000 $3,635 3.57%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $2,845,000 $569,000 $4,293 3.31%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $2,615,000 $871,667 $3,280 2.76%
Oskaloosa, IA (FHA|USDA|VA) 24 $2,610,000 $108,750 $2,373 3.17%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $2,575,000 $515,000 $5,738 3.14%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $2,455,000 $2,455,000 $0 4.25%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $2,330,000 $582,500 $7,794 2.91%
Jackson, WY-ID (FHA|USDA|VA) 2 $2,330,000 $1,165,000 $10,305 3.11%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 7 $1,895,000 $270,714 $2,544 2.84%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,805,000 $601,667 $3,907 3.20%
TULSA, OK (FHA|USDA|VA) 5 $1,775,000 $355,000 $3,393 3.82%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,645,000 $548,333 $3,182 3.08%
West Plains, MO (FHA|USDA|VA) 14 $1,560,000 $111,429 $2,814 3.15%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,555,000 $518,333 $3,456 2.91%
TUCSON, AZ (FHA|USDA|VA) 5 $1,545,000 $309,000 $4,051 2.99%
Ottawa, KS (FHA|USDA|VA) 19 $1,515,000 $79,737 $2,291 3.08%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,485,000 $495,000 $3,203 3.57%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $1,395,000 $465,000 $3,372 2.91%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,305,000 $435,000 $4,884 3.14%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $1,300,000 $650,000 $6,356 2.95%
BILLINGS, MT (FHA|USDA|VA) 3 $1,255,000 $418,333 $5,707 2.97%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,235,000 $411,667 $3,328 3.12%
FRESNO, CA (FHA|USDA|VA) 2 $1,190,000 $595,000 $3,893 3.16%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3 $1,155,000 $385,000 $3,650 2.94%
Lebanon, MO (FHA|USDA|VA) 13 $1,145,000 $88,077 $2,190 3.16%
Pella, IA (FHA|USDA|VA) 10 $1,130,000 $113,000 $2,900 2.94%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $4,509 3.10%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $1,100,000 $550,000 $4,033 3.02%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $1,060,000 $530,000 $2,416 3.17%
FORT COLLINS, CO (FHA|USDA|VA) 2 $1,010,000 $505,000 $3,934 3.55%
RENO, NV (FHA|USDA|VA) 2 $1,010,000 $505,000 $4,325 3.12%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $980,000 $490,000 $4,680 2.93%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $960,000 $480,000 $3,707 3.06%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $935,000 $935,000 $4,296 3.34%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $895,000 $895,000 $6,402 3.13%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $830,000 $415,000 $3,419 3.02%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $805,000 $805,000 $5,000 2.63%
Sevierville, TN (FHA|USDA|VA) 2 $780,000 $390,000 $3,877 3.31%
TYLER, TX (FHA|USDA|VA) 2 $770,000 $385,000 $5,328 2.73%
WICHITA, KS (FHA|USDA|VA) 3 $745,000 $248,333 $3,173 2.88%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $730,000 $365,000 $3,360 2.86%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $710,000 $355,000 $3,852 2.93%
MORRISTOWN, TN (FHA|USDA|VA) 1 $705,000 $705,000 $5,572 2.99%
Parsons, KS (FHA|USDA|VA) 15 $695,000 $46,333 $2,273 3.33%
BATON ROUGE, LA (FHA|USDA|VA) 1 $695,000 $695,000 $5,304 3.34%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $685,000 $685,000 $6,659 2.90%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $680,000 $340,000 $5,830 3.00%
Roseburg, OR (FHA|USDA|VA) 1 $675,000 $675,000 $7,048 3.14%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $670,000 $335,000 $3,804 3.06%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $645,000 $645,000 $3,297 2.98%
STOCKTON, CA (FHA|USDA|VA) 1 $645,000 $645,000 $3,989 3.14%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $625,000 $625,000 $9,261 3.25%
GREELEY, CO (FHA|USDA|VA) 1 $615,000 $615,000 $2,748 3.09%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $615,000 $615,000 $3,814 3.13%
AMES, IA (FHA|USDA|VA) 2 $610,000 $305,000 $1,851 2.83%
JEFFERSON CITY, MO (FHA|USDA|VA) 3 $605,000 $201,667 $1,946 3.63%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $600,000 $300,000 $4,168 3.07%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $585,000 $585,000 $5,953 2.73%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $585,000 $585,000 $4,129 2.90%
Harrison, AR (FHA|USDA|VA) 4 $580,000 $145,000 $4,570 2.79%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $575,000 $575,000 $2,079 3.15%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $565,000 $565,000 $2,332 3.09%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $545,000 $545,000 $3,766 2.88%
Astoria, OR (FHA|USDA|VA) 1 $545,000 $545,000 $4,759 2.38%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $535,000 $535,000 $4,401 3.34%
LAWRENCE, KS (FHA|USDA|VA) 2 $520,000 $260,000 $0 2.95%
Breckenridge, CO (FHA|USDA|VA) 1 $515,000 $515,000 $4,212 2.38%
Glenwood Springs, CO (FHA|USDA|VA) 1 $505,000 $505,000 $2,383 2.95%
BOISE CITY, ID (FHA|USDA|VA) 1 $495,000 $495,000 $3,578 2.38%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $495,000 $495,000 $9,251 3.25%
Kearney, NE (FHA|USDA|VA) 1 $485,000 $485,000 $2,572 3.14%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $485,000 $485,000 $4,798 3.14%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $475,000 $475,000 $2,422 2.90%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $475,000 $475,000 $3,052 3.09%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $465,000 $465,000 $8,192 2.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $445,000 $445,000 $3,224 3.13%
BRUNSWICK, GA (FHA|USDA|VA) 1 $445,000 $445,000 $4,239 3.14%
GAINESVILLE, FL (FHA|USDA|VA) 1 $425,000 $425,000 $3,303 2.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $405,000 $405,000 $4,388 3.25%
Sunbury, PA (FHA|USDA|VA) 1 $405,000 $405,000 $6,654 2.99%
Brainerd, MN (FHA|USDA|VA) 1 $405,000 $405,000 $2,620 2.90%
Muscatine, IA (FHA|USDA|VA) 2 $400,000 $200,000 $2,547 3.73%
Willmar, MN (FHA|USDA|VA) 1 $395,000 $395,000 $2,107 3.13%
Vermillion, SD (FHA|USDA|VA) 1 $385,000 $385,000 $5,555 3.15%
FARGO, ND-MN (FHA|USDA|VA) 1 $375,000 $375,000 $2,955 3.34%
Athens, TX (FHA|USDA|VA) 1 $365,000 $365,000 $3,067 2.63%
Brookings, SD (FHA|USDA|VA) 1 $355,000 $355,000 $2,987 2.98%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,147 3.14%
TWIN FALLS, ID (FHA|USDA|VA) 1 $305,000 $305,000 $2,921 2.75%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $305,000 $305,000 $9,227 3.25%
WACO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $2,457 2.50%
Red Bluff, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,079 2.98%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $285,000 $285,000 $1,786 2.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $275,000 $275,000 $2,939 2.25%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $275,000 $275,000 $2,812 2.98%
MANKATO, MN (FHA|USDA|VA) 1 $265,000 $265,000 $2,199 2.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $255,000 $255,000 $2,413 3.15%
Montrose, CO (FHA|USDA|VA) 1 $255,000 $255,000 $2,164 2.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,513 3.14%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $255,000 $255,000 $2,030 3.15%
LUBBOCK, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,574 2.98%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $235,000 $235,000 $2,158 2.75%
JACKSON, MS (FHA|USDA|VA) 1 $235,000 $235,000 $3,962 3.15%
Key West, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.75%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $210,000 $105,000 $2,108 3.00%
MONROE, MI (FHA|USDA|VA) 1 $195,000 $195,000 $2,542 2.98%
Norfolk, NE (FHA|USDA|VA) 1 $195,000 $195,000 $4,155 2.75%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,434 2.99%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,653 3.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.38%
Moberly, MO (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.75%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,004 3.34%
RACINE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $1,636 3.15%
MANHATTAN, KS (FHA|USDA|VA) 1 $155,000 $155,000 $2,131 3.25%
ROCHESTER, NY (FHA|USDA|VA) 1 $145,000 $145,000 $2,815 2.98%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $125,000 $125,000 $1,870 3.25%
Alexandria, MN (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.95%
Bay City, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,233 2.75%
Sikeston, MO (FHA|USDA|VA) 1 $95,000 $95,000 $1,766 2.38%
Traverse City, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,304 3.13%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,402 2.50%
Red Wing, MN (FHA|USDA|VA) 2 $90,000 $45,000 $0 3.85%
Elk City, OK (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.88%
Winfield, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,479 2.75%
Clinton, IA (FHA|USDA|VA) 1 $75,000 $75,000 $2,557 3.38%
Hutchinson, MN (FHA|USDA|VA) 2 $70,000 $35,000 $0 3.75%
Sterling, IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 2.95%
Spirit Lake, IA (FHA|USDA|VA) 1 $35,000 $35,000 $0 2.95%
Sedalia, MO (FHA|USDA|VA) 1 $35,000 $35,000 $0 2.95%
ST. CLOUD, MN (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.75%

Great Southern Bank's top markets include St. Louis, Springfield, Des Moines, Denver, and Dallas among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,635 $1,126,045,000 $427,342 $2,840 3.09%
USDA 74 $10,590,000 $143,108 $3,974 2.65%
FHA 55 $8,915,000 $162,091 $5,433 2.71%
VA 39 $9,995,000 $256,282 $3,767 2.56%

For the 2021 period, Great Southern Bank's most frequently originated loan type of loans were Conventional, with 2,635 originations. Their 2nd most popular type is USDA, with 74 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,020 $715,690,000 $701,657 $3,711 3.11%
Refi 762 $239,550,000 $314,370 $2,396 2.94%
Cash Out Refi 453 $112,745,000 $248,885 $2,523 3.18%
Other 361 $37,245,000 $103,172 $1,807 3.00%
Home Improvement 207 $50,315,000 $243,068 $556 3.13%

For the 2021, Great Southern Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,020 originations. The 2nd most popular reason of loans were Refi, with 762 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,547 $454,885,000 $294,043 $2,983 3.09%
10 Year 634 $71,480,000 $112,744 $1,468 3.01%
15 Year 295 $59,775,000 $202,627 $2,295 2.64%
5 Year 155 $326,565,000 $2,106,871 $0 3.43%
20 Year 68 $12,760,000 $187,647 $2,172 2.97%
Other 65 $153,645,000 $2,363,769 $2,006 3.76%
30+ year 15 $6,175,000 $411,667 $5,641 3.24%
3 Year 12 $58,150,000 $4,845,833 $297,900 3.65%
1 Year 12 $12,110,000 $1,009,167 $0 3.85%

For the 2021, Great Southern Bank's most frequently cited loan length of loans were 30 Year, with 1,547 originations. The 2nd most popular length of loans were 10 Year, with 634 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,696 $483,800,000 $285,259
$1k-2k 231 $52,545,000 $227,468
$2k-3k 16 $5,070,000 $316,875
$3k-4k 11 $3,835,000 $348,636
$5k+ 1 $1,025,000 $1,025,000

$2,983 of loans were Great Southern Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,696 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 1,651 $400,205,000 $242,402
3-4% 720 $654,860,000 $909,528
<2.5% 256 $59,560,000 $232,656
4-5% 173 $40,425,000 $233,671
5-6% 3 $495,000 $165,000

During 2021, Great Southern Bank's average interest rate of loans were 3.09%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,651 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 919 $133,555,000 $145,326 $2,605 3.01%
$100,000 or less 797 $45,025,000 $56,493 $2,027 3.15%
$200k-400k 611 $167,805,000 $274,640 $2,834 3.01%
$400k-600k 253 $124,055,000 $490,336 $3,464 2.99%
$600k-1MM 136 $102,280,000 $752,059 $4,089 3.10%
$1MM+ 87 $582,825,000 $6,699,138 $11,993 3.40%

2021 saw Great Southern Bank place emphasis on $100k-200k loans with 919 originations, totaling $133,555,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 505 $70,805,000 $140,208 $2,670 2.98%
$50k or less 496 $52,180,000 $105,202 $2,605 3.00%
$100k-150k 413 $85,135,000 $206,138 $2,597 3.01%
$250k+ 393 $230,405,000 $586,272 $4,557 3.00%
$75k-100k 347 $58,205,000 $167,738 $2,692 2.96%
$150k-250k 309 $98,475,000 $318,689 $2,948 2.95%

Great Southern Bank lent most frequently to those with incomes in the $50k-75k range, with 505 originations. The second most popular income band? $50k or less, with 496 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 771 $179,115,000 $232,315 $3,272 3.02%
30-36% 536 $120,220,000 $224,291 $2,943 3.03%
<20% 476 $118,280,000 $248,487 $2,641 2.97%
39% 100 $24,070,000 $240,700 $2,897 3.08%
38% 97 $21,265,000 $219,227 $2,836 3.01%
41% 85 $19,935,000 $234,529 $2,624 3.10%
40% 85 $20,745,000 $244,059 $3,248 3.03%
37% 84 $24,990,000 $297,500 $2,895 3.14%
36% 82 $16,620,000 $202,683 $2,896 3.09%
42% 75 $20,615,000 $274,867 $3,033 3.04%
43% 54 $10,330,000 $191,296 $2,955 2.97%
44% 34 $6,920,000 $203,529 $2,688 2.93%
48% 32 $6,010,000 $187,813 $2,685 2.89%
45% 32 $6,230,000 $194,688 $2,878 2.98%
49% 30 $4,170,000 $139,000 $3,255 2.89%
47% 29 $6,545,000 $225,690 $3,344 2.97%
46% 25 $4,255,000 $170,200 $2,594 2.91%
>60% 14 $10,030,000 $716,429 $4,933 3.26%
50-60% 9 $1,205,000 $133,889 $1,271 3.19%

Great Southern Bank lent most frequently to those with DTI ratios of 20-30%, with 771 originations. The next most common DTI ratio? 30-36%, with 536 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,396 $551,400,000 $230,134 $2,956 3.03%
Not applicable 152 $525,390,000 $3,456,513 $0 3.67%
Not provided 147 $45,265,000 $307,925 $3,071 2.99%
Asian 48 $19,860,000 $413,750 $3,181 3.01%
Black 49 $10,745,000 $219,286 $3,151 3.17%
American Indian 8 $1,480,000 $185,000 $3,822 2.75%
Native Hawaiian 2 $1,390,000 $695,000 $2,934 3.08%
Japanese 1 $15,000 $15,000 $0 2.95%

Approval Rates

Total approvals of all applications
80.16%

Great Southern Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
79.96%

Great Southern Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 2,803 $1,155,545,000 $412,253

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,803 $1,155,545,000 $412,253

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 353 $59,545,000 $168,683 $2,231 2.98%
40-60% 412 $229,030,000 $555,898 $2,427 2.94%
60-80% 854 $570,820,000 $668,407 $3,048 3.11%
80-100% 857 $277,505,000 $323,810 $3,337 3.08%
Over 100% 5 $3,325,000 $665,000 $9,237 2.70%
Under 20% 320 $15,050,000 $47,031 $578 3.13%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Great Southern Bank 1 North Euclid Avenue Saint Louis, MO 63108 Full Service B&M $21,065
Great Southern Bank 14309 State Highway 13 Reeds Spring, MO 65737 Full Service B&M $0
Great Southern Bank 14411 State Highway 7 Climax Springs, MO 65324 Full Service B&M $22,051
Great Southern Bank 1444 West State Highway J Ozark, MO 65721 Full Service B&M $19,284
Great Southern Bank 1451 East Battlefield Road Springfield, MO 65804 Full Service B&M $362,108
Great Southern Bank 150 S.E. Todd George Parkway Lees Summit, MO 64063 Full Service B&M $22,136
Great Southern Bank 1500 S. Elliott, Suite E Aurora, MO 65605 Full Service B&M $21,328
Great Southern Bank 1510 State Highway 248 Branson, MO 65616 Full Service B&M $27,706
Great Southern Bank 1515 Baptiste Drive Paola, KS 66071 Full Service B&M $69,292
Great Southern Bank 15315 West 135th Street Olathe, KS 66061 Full Service B&M $13,369
Great Southern Bank 16062 Manchester Road Ellisville, MO 63011 Full Service B&M $38,800
Great Southern Bank 1615 West Sunshine Springfield, MO 65804 Full Service B&M $15,325
Great Southern Bank 1710 East 32nd Street Joplin, MO 64804 Full Service B&M $38,786
Great Southern Bank 1719-1727 Corning Street Parsons, KS 67357 Limited, Drive-thru $0
Great Southern Bank 218 South Glenstone Avenue Springfield, MO 65802 Full Service B&M $932,307
Great Southern Bank 22330 Harrison Street Spring Hill, KS 66083 Full Service B&M $32,221
Great Southern Bank 2351 West Locust Street, Suite 100 Davenport, IA 52804 Full Service B&M $0
Great Southern Bank 2419 Highway K O Fallon, MO 63366 Full Service B&M $19,617
Great Southern Bank 2435 South Brentwood Blvd Saint Louis, MO 63144 Full Service B&M $22,372
Great Southern Bank 2449 South Campbell Springfield, MO 65807 Full Service B&M $34,053
Great Southern Bank 2522 Pinnacle Hills Parkway, Suite 101 Rogers, AR 72758 Full Service B&M $21,644
Great Southern Bank 2552 W. Martin Luther King Blvd Fayetteville, AR 72701 Full Service B&M $0
Great Southern Bank 256 East Highway 54 Camdenton, MO 65020 Full Service B&M $36,772
Great Southern Bank 2562 North Glenstone Avenue Springfield, MO 65803 Full Service B&M $53,147
Great Southern Bank 2609 East Sunshine Springfield, MO 65804 Full Service B&M $57,594
Great Southern Bank 2630 Muegge Road Saint Charles, MO 63303 Full Service B&M $28,212
Great Southern Bank 2727 Hamilton Boulevard Sioux City, IA 51103 Full Service B&M $31,893
Great Southern Bank 2735 W Chestnut Springfield, MO 65802 Full Service B&M $24,522
Great Southern Bank 2738 Cornhusker Drive South Sioux City, NE 68776 Full Service B&M $23,608
Great Southern Bank 2805 S Ankeny Blvd Ankeny, IA 50023 Full Service B&M $15,282
Great Southern Bank 2900 Devils Glen Road Bettendorf, IA 52722 Full Service Retail $0
Great Southern Bank 2945 West Republic Road Springfield, MO 65807 Full Service B&M $27,630
Great Southern Bank 2981 Dougherty Ferry Valley Park, MO 63088 Full Service B&M $36,003
Great Southern Bank 300 S.W. Ward Rd Lees Summit, MO 64063 Full Service B&M $52,506
Great Southern Bank 3031 Lake St. Louis Boulevard Lake Saint Louis, MO 63367 Full Service B&M $31,919
Great Southern Bank 3200 South Providence Road Columbia, MO 65203 Full Service B&M $14,050
Great Southern Bank 329 Pierce Street Sioux City, IA 51101 Full Service B&M $115,068
Great Southern Bank 331 South Avenue Springfield, MO 65806 Full Service B&M $67,664
Great Southern Bank 5206 West 95th Street Prairie Village, KS 66207 Full Service B&M $28,701
Great Southern Bank 524 East Jackson Willard, MO 65781 Full Service B&M $28,032
Great Southern Bank 528 South Jefferson Lebanon, MO 65536 Full Service B&M $34,248
Great Southern Bank 600 West Republic Road Springfield, MO 65807 Full Service B&M $29,686
Great Southern Bank 6173 Telegraph Road Saint Louis, MO 63129 Full Service B&M $24,293
Great Southern Bank 620 East Harrison Street Republic, MO 65738 Full Service B&M $38,604
Great Southern Bank 6545 France Avenue South Suite 130 Edina, MN 55435 Full Service B&M $46,185
Great Southern Bank 6800 South Rock Hill Affton, MO 63123 Full Service B&M $40,912
Great Southern Bank 7001 South 36th Street Bellevue, NE 68005 Full Service B&M $0
Great Southern Bank 705 N. Business Hwy 60 Mansfield, MO 65704 Full Service B&M $9,651
Great Southern Bank 713 South Neosho Boulevard Neosho, MO 64850 Full Service B&M $0
Great Southern Bank 714 Neosho Blvd Neosho, MO 64850 Full Service B&M $0
Great Southern Bank 717 West Mount Vernon Nixa, MO 65714 Full Service B&M $56,067
Great Southern Bank 11050 Roe Avenue, Suite 100 Overland Park, KS 66210 Full Service B&M $67,974
Great Southern Bank 111 East Main Street Neosho, MO 64850 Full Service B&M $59,776
Great Southern Bank 11698 Manchester Road Des Peres, MO 63131 Full Service B&M $91,821
Great Southern Bank 118 South Street Stockton, MO 65785 Full Service B&M $25,766
Great Southern Bank 119 East Madison Street Iola, KS 66749 Full Service B&M $34,359
Great Southern Bank 1210 Parkway Shopping Center West Plains, MO 65775 Full Service B&M $25,335
Great Southern Bank 12257 University Avenue Clive, IA 50325 Full Service B&M $36,056
Great Southern Bank 1232 S Rangeline Joplin, MO 64804 Full Service B&M $14,150
Great Southern Bank 12500 Olive Street Creve Coeur, MO 63141 Full Service B&M $72,812
Great Southern Bank 1290 Copper Creek Drive Pleasant Hill, IA 50327 Full Service B&M $18,698
Great Southern Bank 1300 Jungermann Road Saint Peters, MO 63376 Full Service B&M $20,277
Great Southern Bank 1305 Nw 12th Avenue Ava, MO 65608 Full Service B&M $43,198
Great Southern Bank 1320 West Battlefield Road Springfield, MO 65807 Full Service B&M $30,231
Great Southern Bank 1805 West Kearney Springfield, MO 65803 Full Service B&M $62,440
Great Southern Bank 1875 County Road B2 West Roseville, MN 55113 Full Service B&M $71,546
Great Southern Bank 1900 Main Street Parsons, KS 67357 Full Service B&M $39,912
Great Southern Bank 1902 Harlan Drive Bellevue, NE 68005 Full Service B&M $0
Great Southern Bank 1907 First Avenue East Newton, IA 50208 Full Service B&M $108,025
Great Southern Bank 200 East 2nd Street Annapolis, MO 63620 Full Service B&M $0
Great Southern Bank 201 East Cherry Street Nevada, MO 64772 Full Service B&M $52,483
Great Southern Bank 201 West 1st Fair Play, MO 65649 Full Service B&M $0
Great Southern Bank 2020 East Kimberly Road Davenport, IA 52807 Full Service B&M $41,296
Great Southern Bank 2040 S. Princeton Ottawa, KS 66067 Full Service B&M $35,500
Great Southern Bank 210 Ne Delaware Avenue Ankeny, IA 50021 Full Service B&M $36,463
Great Southern Bank 2102 Spruce Hills Drive Bettendorf, IA 52722 Full Service B&M $47,772
Great Southern Bank 218 South Glenstone Avenue Springfield, MO 65802 Full Service Cyber Office $16,269
Great Southern Bank 34102 Commerce Drive De Soto, KS 66018 Full Service B&M $19,556
Great Southern Bank 366 S. Kirkwood Road Saint Louis, MO 63122 Full Service B&M $26,096
Great Southern Bank 3839 Indian Hills Drive Sioux City, IA 51104 Full Service B&M $33,901
Great Southern Bank 400 East Walnut Street Ellington, MO 63638 Full Service B&M $14,973
Great Southern Bank 402 Lincoln Way Ames, IA 50010 Full Service B&M $0
Great Southern Bank 407 Mccune Street Pilot Knob, MO 63663 Full Service B&M $23,249
Great Southern Bank 4200 East Skelly Drive, Suite 900 Tulsa, OK 74135 Full Service B&M $0
Great Southern Bank 4211 Morningside Avenue Sioux City, IA 51106 Full Service B&M $48,523
Great Southern Bank 427 West Kimberly Road Davenport, IA 52806 Full Service B&M $33,141
Great Southern Bank 4700 Mid Rivers Mall Drive Branch Saint Peters, MO 63376 Full Service B&M $28,601
Great Southern Bank 4701 Singing Hills Blvd Sioux City, IA 51106 Full Service B&M $42,723
Great Southern Bank 509 A Avenue West Oskaloosa, IA 52577 Full Service B&M $34,800
Great Southern Bank 723 North Benton Springfield, MO 65802 Full Service B&M $43,490
Great Southern Bank 7685 Zachary Lane Maple Grove, MN 55369 Full Service B&M $40,869
Great Southern Bank 7701 Forsyth Blvd. Suite 100 Saint Louis, MO 63105 Full Service B&M $0
Great Southern Bank 8013 West Florissant Avenue Jennings, MO 63136 Full Service B&M $6,646
Great Southern Bank 8235 Forsyth Boulevard, Suite 150 Clayton, MO 63105 Full Service B&M $107,408
Great Southern Bank 921 Iowa Avenue Onawa, IA 51040 Full Service B&M $28,566
Great Southern Bank 956 Wolfrum Road Weldon Spring, MO 63304 Full Service B&M $20,134
Great Southern Bank Highway 13 And 00 Kimberling City, MO 65686 Full Service B&M $36,570
Great Southern Bank Lake Street And State Highway 39 Greenfield, MO 65661 Limited, Drive-thru $53,029
Great Southern Bank State Highways 5 And 7 Camdenton, MO 65020 Full Service B&M $31,658
Great Southern Bank 1 Viburnum County Rd Viburnum, MO 65566 Full Service B&M $11,927
Great Southern Bank 100 Christina Marie Drive O Fallon, MO 63368 Full Service B&M $0
Great Southern Bank 100 East 19th Street Mountain Grove, MO 65711 Full Service B&M $26,333
Great Southern Bank 100 Pine Castle Estate Boulevard Fredericktown, MO 63645 Full Service B&M $9,617
Great Southern Bank 1000 W. Jackson Ozark, MO 65721 Full Service B&M $42,948
Great Southern Bank 101 North Main Street Piedmont, MO 63957 Full Service B&M $0
Great Southern Bank 1012 Loughborough Avenue Saint Louis, MO 63111 Full Service B&M $13,703
Great Southern Bank 1022 W Pleasant Street Knoxville, IA 50138 Full Service B&M $30,470
Great Southern Bank 10797 New Halls Ferry Road Saint Louis, MO 63136 Full Service B&M $9,510
Great Southern Bank 10880 West 175th Street Lakeville, MN 55044 Full Service B&M $54,567
Great Southern Bank 110 West Hensley Branson, MO 65616 Full Service B&M $53,622
Great Southern Bank 1391 North Main Street Nixa, MO 65714 Full Service B&M $27,302

For 2021, Great Southern Bank had 111 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $200,237
Net interest income $187,097
Total noninterest income $36,827
Gross Fiduciary activities income $0
Service charges on deposit accounts $7,781
Trading account gains and fees $0
Additional Noninterest Income $29,046
Pre-tax net operating income $104,099
Securities gains (or losses, -) $0
Income before extraordinary items $82,512
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $82,512
Minority interest net income $0
Net income $82,512
Sale, conversion, retirement of capital stock, net $0
Net operating income $82,512

Great Southern Bank's gross interest income from loans was $200,237,000.
Great Southern Bank's net interest income from loans was $187,097,000.
Great Southern Bank's fee based income from loans was $7,781,000.
Great Southern Bank's net income from loans was $82,512,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $13,140
Provision for credit losses $-5,761
Total noninterest expense $125,586
Salaries and employee benefits $68,503
Premises and equipment expense $19,441
Additional noninterest expense $37,642
Applicable income taxes $21,587
Net charge-offs $-116
Cash dividends $74,000

Great Southern Bank's interest expense for loans was $13,140,000.
Great Southern Bank's payroll and benefits expense were $68,503,000.
Great Southern Bank's property, plant and equipment expenses $19,441,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $4,606,544
Deposits held in domestic offices $4,606,544
Deposits by Individuals, partnerships, and corporations $4,420,842
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $181,558
Deposits by Commercial banks and other depository institutions in U.S. $4,144
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $2,544,938
Demand deposits $1,901,421
Nontransaction accounts $2,061,606
Money market deposit accounts (MMDAs) $1,089,143
Other savings deposits (excluding MMDAs) $11,394
Total time deposits $961,069
Total time and savings deposits $2,705,123
Noninterest-bearing deposits $1,901,421
Interest-bearing deposits $2,705,123
Retail deposits $4,451,178
IRAs and Keogh plan accounts $103,787
Brokered deposits $67,399
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $5,455,015
Cash & Balances due from depository institutions $722,337
Interest-bearing balances $627,182
Total securities $501,032
Federal funds sold & reverse repurchase $0
Net loans and leases $4,016,235
Loan and leases loss allowance $60,754
Trading account assets $0
Bank premises and fixed assets $131,981
Other real estate owned $1,997
Goodwill and other intangibles $6,357
All other assets $75,076

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $5,455,015
Total Liabilities $4,782,617
Total deposits $4,606,544
Interest-bearing deposits $2,705,123
Deposits held in domestic offices $4,606,544
% insured (estimated) $83
Federal funds purchased and repurchase agreements $137,116
Trading liabilities $0
Other borrowed funds $19
Subordinated debt $0
All other liabilities $38,938

Issued Loan Types

Type Value (in 000's)
Net loans and leases $4,016,235
Loan and leases loss allowance $60,754
Total loans and leases (domestic) $4,076,989
All real estate loans $3,705,154
Real estate loans in domestic offices $3,705,154
Construction and development loans $720,332
Residential 1-4 family construction $28,302
Other construction, all land development and other land $692,030
Loans secured by nonfarm nonresidential properties $1,447,681
Nonfarm nonresidential secured by owner-occupied properties $166,434
Commercial real estate & other non-farm, non-residential $1,281,247
Multifamily residential real estate $697,945
1-4 family residential loans $810,647
Farmland loans $28,549
Loans held in foreign offices $0
Farm loans $2,771
Commercial and industrial loans $249,287
To non-U.S. addressees $842
Loans to individuals $86,074
Credit card loans $0
Related Plans $10,007
Consumer Auto Loans $48,908
Other loans to individuals $27,159
All other loans & leases $43,431
Loans to foreign governments and official institutions $0
Other loans $21,648
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $32,967
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $970
Non 1-4 family restructured loans & leases $391
Total loans and leases (foreign) $0

Great Southern Bank had $4,016,235,000 of loans outstanding in 2021. $3,705,154,000 of loans were in real estate loans. $720,332,000 of loans were in development loans. $697,945,000 of loans were in multifamily mortgage loans. $810,647,000 of loans were in 1-4 family mortgage loans. $2,771,000 of loans were in farm loans. $0 of loans were in credit card loans. $48,908,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 348 $87,946 $252,718
Nonfarm, nonresidential loans - <$100k 65 $2,481 $38,169
Nonfarm, nonresidential loans - $100-250k 93 $10,088 $108,473
Nonfarm, nonresidential loans - $250k-1MM 190 $75,377 $396,721
Commercial & Industrial, US addressed loans - <$1MM 605 $47,638 $78,740
Commercial & Industrial, US addressed loans - <$100k 386 $7,964 $20,632
Commercial & Industrial, US addressed loans - $100-250k 111 $8,959 $80,712
Commercial & Industrial, US addressed loans - $250k-1MM 108 $30,715 $284,398
Farmland loans - <$1MM 103 $9,353 $90,806
Farmland loans - <$100k 48 $1,385 $28,854
Farmland loans - $100-250k 40 $4,012 $100,300
Farmland loans - $250k-1MM 15 $3,956 $263,733
Agriculture operations loans - <$1MM 83 $2,322 $27,976
Agriculture operations loans - <$100k 72 $996 $13,833
Agriculture operations loans - $100-250k 8 $660 $82,500
Agriculture operations loans - $250k-1MM 3 $666 $222,000