Applications / Mortgage Analytics / Lenders / Missouri / American Bank of Freedom
Wellsville, MO · State non-member bank · FDIC · $974 million assets · 145 loans in 2025
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145
loans originated, 2025
155
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Bank of Freedom is making fewer but bigger loans: its count fell 17% in 2025, yet the dollars it lent rose to $93.6 million.
The bank made 145 loans, down from 174, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. Its count has fallen every year since 2021, when it made 337. Yet its dollar total rose from $64.9 million and is higher than at nine in ten similar lenders. One possible reason is a move to larger home-purchase loans: its typical loan rose to $235,000 from $185,000.
Purchases were 80.7% of its loans and refinances 18.6%, all of them conventional. Its typical loan was larger than at about three in four similar lenders, whose typical loan was $175,000.
Low- and moderate-income (LMI) neighborhoods took 31.0% of its loans, against 17.2% at its peers. Majority-minority neighborhoods took 27.6%, against 4.9%. Both shares are higher than at about four in five similar lenders. LMI borrowers took a smaller share, 20.0% against 28.5%; its larger loans are one possible reason.
In St. Louis it ranks 63rd of 637 lenders, with a 0.3% share, unchanged from 2024. It entered Champaign-Urbana in 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Bank of Freedom took 155 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.7% · Refinance 18.6% · Home improvement 0.7%
Conventional 100.0% · of 145 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 | 132 | 91.0% |
| Colorado | 6 | 4.1% |
| Indiana | 4 | 2.8% |
| Illinois | 3 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 127 |
| Denver-Aurora-Centennial | 6 |
| Fort Wayne | 3 |
| Champaign-Urbana | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YMEOE50UQ6NM87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 568359 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315423 | 2008–2017 |
Established 15 March 1880. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: American Bank of Freedom's data.
American Bank of Freedom's data
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