Top ten in Joplin
It ranks 10 of 219 lenders in Joplin, where it has lent since at least 1990, and its share edged up to 1.9%. Elsewhere it is a minor player: 283 of 640 in non-metro Missouri and 248 of 538 in non-metro Oklahoma.
Applications / Mortgage Analytics / Lenders / Missouri / Community Bank and Trust
Community Bank and Trust
Neosho, MO · State member bank · FRS · $433 million assets · 127 loans in 2025
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127
loans originated, 2025
182
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Bank and Trust, of Neosho, Missouri, is a top-ten mortgage lender in Joplin, its home market, and its loans rose 13% in 2025, to 127.
Growing, but far below 2020
It made 127 loans, up from 112, against growth of 8% at similar lenders (state member banks making between half and twice as many loans) and 10% in the whole market. In 2020 it made 330. Since 2022 it has made between 110 and 146 a year. Fewer refinances may explain the fall; they are now 29.9% of its lending.
Smaller loans
Its typical loan was $135,000, against $175,000 at similar lenders, smaller than at about four in five of them. Its dollar total, $22.0 million, was also lower than at about four in five. Purchases made up 49.6% of its lending, and it made no jumbo loans.
Modest incomes, near the middle
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 19.8% of its loans, against 16.4% at similar lenders and 8.5% in 2020. Its share to LMI borrowers, 26.6%, was near the middle. Majority-minority neighborhoods took 1.6%, against 5.1%, which may reflect the markets it serves.
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
127 loans in 2025, against a peak of 330 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Bank and Trust took 182 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
49.6% of its 2025 loans were purchase loans; 96.9% were conventional loans.
Purchase 49.6% · Refinance 29.9% · Other 12.6% · Home improvement 7.9%
Conventional 96.9% · FHA 2.4% · VA 0.8% · of 127 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
5 states, 6 metros, 13 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 109 | 85.8% |
| Oklahoma | 7 | 5.5% |
| Kansas | 6 | 4.7% |
| Arkansas | 4 | 3.1% |
| Texas | 1 | 0.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Joplin | 101 |
| Fayetteville-Springdale-Rogers | 3 |
| Dallas-Plano-Irving | 1 |
| Kansas City | 1 |
| Little Rock-North Little Rock-Conway | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300COZ9YQTC4J1378 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 957757 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2957757 | 1990–2017 |
Established 1 January 1884. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community Bank and Trust's data.
The data and the software behind these pages
Community Bank and Trust's data
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