Applications / Mortgage Analytics / Lenders / Missouri / Midwest BankCentre
Lemay, MO · State member bank · FRS · $3.0 billion assets · 606 loans in 2025
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606
loans originated, 2025
731
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Midwest BankCentre is a St. Louis-area bank that makes mostly home-purchase loans, with far more government-backed lending and lending to low- and moderate-income borrowers than similar banks.
FHA loans (insured by the Federal Housing Administration) were 17.0% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 8.7%; at similar lenders (state member banks making between half and twice as many loans) the typical share of each was 0.0%. Five years before, FHA was 2.5%. Purchases made up 77.2% of its loans.
LMI (low- and moderate-income) borrowers took 43.5% of its loans, against 27.4% at peers, more than about nineteen in twenty of them. LMI areas took 20.3% and majority-minority areas 12.2%, both above peers. Its purchase denial rate, 4.1%, was lower than the peer figure of 7.1%.
Higher-priced loans (a rate well above the average for similar loans) were 0.2% of its lending, against 2.3% at peers, and its typical rate, 6.38%, was lower than about seven in eight peers.
It made 606 loans, against 609 in 2024, while the whole market grew 10%. In St. Louis it ranked 28 of 637 lenders with 0.9%, down 0.3 points, which follows from holding steady in a growing market. Its count peaked at 1,414 in 2020. It first lent in Spokane, Shreveport and Provo in 2025, each with a very small share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Midwest BankCentre took 731 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.2% · Refinance 18.5% · Home improvement 3.8% · Other 0.5%
Conventional 73.4% · FHA 17.0% · VA 8.7% · USDA (RHS or FSA) 0.8% · of 606 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 | 355 | 58.6% |
| Illinois | 188 | 31.0% |
| Tennessee | 23 | 3.8% |
| Florida | 9 | 1.5% |
| South Carolina | 4 | 0.7% |
| Virginia | 3 | 0.5% |
| Arkansas | 2 | 0.3% |
| Colorado | 2 | 0.3% |
| Louisiana | 2 | 0.3% |
| Oklahoma | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 508 |
| Nashville-Davidson--Murfreesboro--Franklin | 13 |
| Charleston-North Charleston | 3 |
| Kansas City | 3 |
| Arlington-Alexandria-Reston | 2 |
| Denver-Aurora-Centennial | 2 |
| Oklahoma City | 2 |
| Springfield | 2 |
| Anchorage | 1 |
| Boise City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OR2C7AGDZFTS24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 657459 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2657459 | 1990–2017 |
Established 1 March 1906. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Midwest BankCentre's data.
Midwest BankCentre's data
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Midwest BankCentre 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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