Applications / Mortgage Analytics / Lenders / Missouri / Southwest Missouri Bank
Carthage, MO · State non-member bank · FDIC · $1.2 billion assets · 618 loans in 2025
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618
loans originated, 2025
781
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southwest Missouri Bank ranks third in the Joplin market, where its share rose in 2025, and makes small loans for purchase, home improvement, refinance and other purposes.
It held 8.4% of the Joplin market, up from 7.9%, ranking 3 of 219 lenders behind Flat Branch Mortgage and Arvest Bank; it has lent there since before 1990. Its share in Springfield rose to 0.3% from 0.2%. Originations rose 7% to 618, close to the 9% at similar lenders (state non-member banks making between half and twice as many loans).
Its typical loan was $95,000, against $185,000 at similar lenders, smaller than at nearly all of them, and it made no jumbo loans. Home-improvement loans were 24.3% of its lending and other-purpose loans 18.6%; manufactured homes were 4.2%, against 1.6%.
Its typical rate was 7.75%, against 6.75%, higher than at more than nine in ten similar lenders, and 6.2% of its loans were higher-priced (a rate well above the average for similar loans), against 1.5%, down from 11.7% in 2024. Its home-improvement, other-purpose and manufactured-home lending, together more than two-fifths of its loans, are possible reasons, since such loans usually carry higher rates than first mortgages.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southwest Missouri Bank took 781 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.4% · Home improvement 24.3% · Refinance 21.7% · Other 18.6%
Conventional 98.9% · FHA 0.5% · USDA (RHS or FSA) 0.5% · VA 0.2% · of 618 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 | 588 | 95.1% |
| Kansas | 24 | 3.9% |
| Oklahoma | 4 | 0.6% |
| Arkansas | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Joplin | 571 |
| Springfield | 4 |
| Fayetteville-Springdale-Rogers | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DHRESF8KLNP162 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 760854 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322876 | 1990–2017 |
Established 11 June 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Southwest Missouri Bank's data.
Southwest Missouri Bank's data
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Southwest Missouri Bank 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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