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Melody Morrow
Commercial Lender
Contact Me
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870.875.6029
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melody.morrow@banksouthern.com

NMLS 

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446873
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El Dorado
With 42 years of banking experience—40 of those focused on real estate lending—Melody has built a career helping homebuyers secure financing for purchases, refinances, and new construction. She also provides consumer loans for vehicles, equipment, and other personal needs, along with commercial lending for real estate and business assets. Melody serves on the boards of The United Way of Union County and Main Street El Dorado, reflecting her commitment to community involvement. Outside of work, she enjoys time with her grandbaby, working in the yard, and supporting local businesses.
Melody Morrow

specializes in

Homeowner

Consumer Lending

Whether you’re consolidating debt, covering unexpected expenses, or making a major purchase, our personal loan options offer flexible terms, competitive rates, and a simple approval process. At Southern Bancorp, we’re committed to helping you take control of your finances and move forward with confidence.

  • Mortgage
  • Auto
  • Boat
  • ATV/RV
  • Personal
    Commercial

    Commercial Loans

    With competitive rates, customizable terms, and dedicated support, we make it easier for entrepreneurs and business owners to access the capital they need. Whether you’re purchasing property, upgrading equipment, or launching a new venture, Southern Bancorp is here to back your business every step of the way.

    • Lines of Credit
    • Construction
    • Commercial Real Estate
    • Equipment and Vehicle Financing