Applications / Mortgage Analytics / Lenders / Missouri / BTC Bank
Bethany, MO · State non-member bank · FDIC · $1.6 billion assets · 524 loans in 2025
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524
loans originated, 2025
607
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BTC Bank is a rural Missouri bank whose loans have grown every year since it first reported in 2019, reaching 524 in 2025, 19% more than in 2024.
Originations rose 19%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market, faster than about three in four peers. Its count rose from 189 in 2019. Mergers with 1st Cameron State Bank in 2021 and Merchants & Farmers Bank in 2022 are possible contributors.
Its typical loan, $105,000, was smaller than at more than nine in ten similar lenders, whose typical loan was $185,000. Manufactured homes were 9.5% of its loans, against 1.6%, higher than almost nine in ten peers. Purchases made up 54.0% and refinances 32.3%.
Its largest market is non-metro Missouri, where it ranked 23 of 640 lenders. It also lends in Kansas City and Columbia, MO, with small shares; in Columbia its share fell 0.3 points to 0.4%, which may reflect a few loans.
Low- and moderate-income (LMI) borrowers took 32.6% of its loans, against 27.5%, more than three in four peers. It made no loans in majority-minority areas, which may reflect its rural markets. Its refinance denial rate, 6.8%, was lower than peers' 13.3%.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. BTC Bank took 607 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.0% · Refinance 32.3% · Home improvement 9.4% · Other 4.4%
Conventional 100.0% · of 524 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 | 483 | 92.2% |
| Iowa | 34 | 6.5% |
| Arkansas | 3 | 0.6% |
| Colorado | 1 | 0.2% |
| Kansas | 1 | 0.2% |
| Kentucky | 1 | 0.2% |
| Wisconsin | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 45 |
| Columbia | 39 |
| Springfield | 24 |
| St. Joseph | 22 |
| Jefferson City | 12 |
| Paducah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YXOCZOXWKDIT11 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1009242 | 2019–2023 |
Established 19 September 1919. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: BTC Bank's data.
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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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