Applications / Mortgage Analytics / Lenders / Missouri / Concordia Bank of Concordia, Missouri
Concordia, MO · State non-member bank · FDIC · $128 million assets · 29 loans in 2025
Concordia Bank of Concordia, Missouri's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
29
loans originated, 2025
30
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Concordia Bank of Concordia, Missouri is a small Missouri lender that made 29 loans in 2025, too few for its loan sizes, rates and shares to say much against similar lenders.
Originations fell 15% to 29 while total lending rose from $8.0 million to $10.6 million. Similar lenders, state non-member banks making between half and twice as many loans, were flat at 0%, and the whole market rose 10%. With so few loans, one or two larger loans could account for the shift.
Its typical loan of $285,000, and its shares of LMI (low- and moderate-income) borrowers and areas all rest on 29 loans, too few to read much into. Its lending sits in eight counties in Missouri, so the local mix of incomes and home prices may shape these figures.
It ranks 290 of 659 in Kansas City and 141 of 189 in Jefferson City, markets led by CommunityAmerica Federal Credit Union and Flat Branch Mortgage. It filed no report for 2018 to 2023; those years are gaps in the record, not years without lending, and it reported again in 2024.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Concordia Bank of Concordia, Missouri took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.9% · Refinance 20.7% · Home improvement 3.4%
Conventional 100.0% · of 29 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 29 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 11 |
| Jefferson City | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900RWZ0VMVYDT0U88 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 164957 | 2004–2016 |
| Respondent ID (the HMDA filer code before 2018) | 313788 | 1990–2016 |
Established 1 May 1932. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Concordia Bank of Concordia, Missouri's data.
Concordia Bank of Concordia, Missouri's data
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Concordia Bank of Concordia, Missouri and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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