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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

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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

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

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
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 our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.