Applications / Mortgage Analytics / Lenders / Missouri / First State Community Bank
Farmington, MO · State non-member bank · FDIC · $4.5 billion assets · 1,949 loans in 2025
First State Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,949
loans originated, 2025
2,876
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Community Bank is a Missouri lender of small home loans that grew faster than most similar banks in 2025 and ranks 1 of 157 lenders in Cape Girardeau.
Originations rose 21% to 1,949, while similar lenders (state non-member banks making between half and twice as many loans) grew 13% and the whole market 10%; that was higher growth than about three in four of them. Volume is still below the 2,826 loans it made in 2020.
Its typical loan was $125,000 against $205,000 at similar lenders, among the smallest tenth, and jumbo loans (larger than the conforming limit) were 0.2% against 2.6%. Manufactured homes made up 6.1% of its lending, against 1.2%, and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.4%, against 0.3%.
It held 8.9% of the Cape Girardeau market, down from 9.7%, ahead of DAS Acquisition Company. The slip could reflect stronger years for competitors. In Columbia its share rose to 3.9% from 3.4%, ranking 5 of 268 behind Wells Fargo Bank, and it ranked 5 of 640 in non-metro Missouri.
LMI (low- and moderate-income) borrowers received 31.1% of its loans, against 27.7% at similar lenders, higher than about seven in ten of them. Only 1.5% of its loans were in majority-minority areas, against 10.1%, lower than about nine in ten. Its largest market is non-metro Missouri, where such areas may be few.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First State Community Bank took 2,876 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.6% · Refinance 19.8% · Home improvement 15.4% · Other 11.2%
Conventional 95.4% · FHA 3.1% · USDA (RHS or FSA) 1.4% · of 1,949 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 | 1,937 | 99.4% |
| Arkansas | 6 | 0.3% |
| Kentucky | 2 | 0.1% |
| Florida | 1 | 0.1% |
| Mississippi | 1 | 0.1% |
| Oklahoma | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 477 |
| Cape Girardeau | 182 |
| Columbia | 97 |
| Jefferson City | 13 |
| Springfield | 13 |
| Fayetteville-Springdale-Rogers | 2 |
| Jonesboro | 1 |
| Kansas City | 1 |
| Little Rock-North Little Rock-Conway | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F04B6FGYBJY412 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 707354 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317323 | 1999–2017 |
Established 11 May 1954. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: First State Community Bank's data.
First State Community Bank's data
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