# Southwest Missouri Bank

> **Canonical URL:** https://saferate.com/lenders/southwest-missouri-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


Southwest Missouri Bank is a bank, headquartered in Carthage, MO, serving borrowers across 3 states, with 171 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300DHRESF8KLNP162
- **Headquarters:** Carthage, MO
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** KS, MO, OK
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.706%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $701
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 171
- **Dollar Volume:** $29 million
- **Applications Received:** 260
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $167,456
- **Average Borrower Income:** $90,380
- **Average Property Value:** $276,170

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 163 | +0.719% | $689 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 121 loans, Score: 60/100 (Sound)
- Refinance: 42 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 129 | $23M | +0.628% | Sound ☺️ |
| Refinance | 60/100 | 42 | $6M | +0.937% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 166 | 0.22% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Joplin, MO | MO-KS | 151 | 85/100 |
| Non |  | 17 | 31/100 |

## Where This Lender Ranks

Southwest Missouri Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Joplin, MO Banks
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/banks)
- 🏆 **#9** in Joplin, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Joplin, MO
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Southwest Missouri Bank offer?

Southwest Missouri Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Southwest Missouri Bank offer mortgages?

Southwest Missouri Bank offers mortgages in 3 states: KS, MO, OK.

### How competitive are Southwest Missouri Bank's mortgage rates?

Southwest Missouri Bank has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.706% above market average.

### What type of lender is Southwest Missouri Bank?

Southwest Missouri Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Carthage, MO.

### What is Southwest Missouri Bank's loan approval success rate?

Southwest Missouri Bank has a pull-through score of 68/100 (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/southwest-missouri-bank

### How to Cite

> "Southwest Missouri Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southwest-missouri-bank

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