Applications / Mortgage Analytics / Lenders / Missouri / Farmers and Merchants Bank of St. Clair
Saint Clair, MO · State non-member bank · FDIC · $336 million assets · 83 loans in 2025
Farmers and Merchants Bank of St. Clair's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
83
loans originated, 2025
103
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers and Merchants Bank of St. Clair made 83 loans in 2025, down 9% while similar lenders grew, continuing a slide from 291 in 2020, though a larger share went to low- and moderate-income borrowers than at most peers.
Originations have fallen every year since the 291 of 2020 and are now well below the 140 of 2018. The latest drop came while the typical similar lender (a bank of the same type making between half and twice as many loans) grew 9%, leaving it lower than nearly four in five peers on growth. One possibility is that a 2020 wave of refinancing has not been replaced by purchase lending.
LMI (low- and moderate-income) borrowers took 33.3% of its loans, up from 30.0% and 27.1% five years before, and higher than about two-thirds of peers, whose typical share was 27.7%.
1.2% of loans were in majority-minority tracts, against a typical 6.5%. Its rural and exurban Missouri markets may simply have few such tracts; last year's 12.1% rested on a small number of loans.
In St. Louis, where it has lent since before 1990, its share fell to 0.1% from 0.2%, a small share that a few loans can move. All loans were conventional and none were jumbo (larger than the conforming limit).
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers and Merchants Bank of St. Clair took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.2% · Refinance 26.5% · Other 8.4% · Home improvement 4.8%
Conventional 100.0% · of 83 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 | 83 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 74 |
| Jefferson City | 1 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001IZBTDOCW8MX74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 266851 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314056 | 1990–2017 |
Established 2 May 1913. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Farmers and Merchants Bank of St. Clair's data.
Farmers and Merchants Bank of St. Clair's data
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Farmers and Merchants Bank of St. Clair 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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