# Great Southern Bank

> **Canonical URL:** https://saferate.com/lenders/great-southern-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Great Southern Bank is a bank, headquartered in Reeds Spring, MO, serving borrowers across 22 states, with 658 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 1TMVIO1SD0RLIPEIW803
- **Headquarters:** Reeds Spring, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 22
- **State List:** AR, CO, CT, FL, HI, IA, IL, KS, KY, LA, ME, MN, MO, NC, NE, NH, NM, OH, OK, TN, TX, WA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.088%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,057
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 658
- **Dollar Volume:** $171 million
- **Applications Received:** 884
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $259,331
- **Average Borrower Income:** $137,992
- **Average Property Value:** $370,000

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 536 | +0.098% | $1,088 | Strong 😀 |
| FHA | 64/100 | 57 | +0.167% | $1,039 | Strong 😀 |
| VA | 67/100 | 34 | -0.354% | $521 | Strong 😀 |
| USDA | 74/100 | 22 | +0.315% | $1,160 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 444 loans, Score: 70/100 (Strong)
- Refinance: 92 loans, Score: 67/100 (Strong)

**FHA:**
- Purchase: 52 loans, Score: 63/100 (Strong)

**VA:**
- Purchase: 31 loans, Score: 67/100 (Strong)

**USDA:**
- Purchase: 22 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 557 | $150M | +0.082% | Strong 😀 |
| Refinance | 65/100 | 101 | $21M | +0.122% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 461 | 0.62% | 80/100 |
| IA | 129 | 0.36% | 67/100 |
| KS | 17 | 0.06% | 47/100 |
| AR | 11 | 0.03% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Springfield, MO | MO | 278 | 95/100 |
| Non |  | 129 | 57/100 |
| St. Louis, MO | MO-IL | 79 | 66/100 |
| Sioux City, IA |  | 50 | 70/100 |
| Des Moines | IA | 26 | 53/100 |
| Davenport | IA-IL | 19 | 51/100 |
| Joplin, MO | MO-KS | 17 | 50/100 |
| Kansas City, MO | MO-KS | 17 | 46/100 |

## Where This Lender Ranks

Great Southern Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Springfield, MO
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders)
- 🥇 **#1** in Springfield, MO Banks
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks)
- 🥇 **#1** in Springfield, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Springfield, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Springfield, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Iowa for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Sioux City, IA for FHA Loans
  - [View Full Rankings](https://saferate.com/sioux-city-ia/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Sioux City, IA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sioux-city-ia/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Springfield, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Springfield, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Springfield, MO for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/usda-loans)
- 🥉 **#3** in Missouri for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Missouri for FHA Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Springfield, MO for VA Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Springfield, MO for USDA Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Iowa for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Joplin, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Missouri Banks
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks)
- 🏆 **#5** in Missouri for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#5** in Sioux City, IA Banks
  - [View Full Rankings](https://saferate.com/sioux-city-ia/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Great Southern Bank offer?

Great Southern Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Great Southern Bank offer mortgages?

Great Southern Bank offers mortgages in 22 states: AR, CO, CT, FL, HI, IA, IL, KS, KY, LA, ME, MN, MO, NC, NE, NH, NM, OH, OK, TN, TX, WA.

### How competitive are Great Southern Bank's mortgage rates?

Great Southern Bank has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.088% above market average.

### What type of lender is Great Southern Bank?

Great Southern Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Reeds Spring, MO.

### What is Great Southern Bank's loan approval success rate?

Great Southern Bank has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/great-southern-bank

### How to Cite

> "Great Southern Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/great-southern-bank

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