Applications / Mortgage Analytics / Lenders / Missouri / Exchange Bank of Missouri
Fayette, MO · State member bank · FRS · $431 million assets · 193 loans in 2025
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193
loans originated, 2025
231
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Exchange Bank of Missouri made 84% more loans in 2025, faster growth than nearly all similar banks, and refinancing did most of the work.
Refinances were 67.9% of its loans and purchases 30.1%. It made 193 loans, up from 105, while similar lenders (state member banks making between half and twice as many loans) grew 8% and the whole market 10%. Its count had fallen every year from 282 in 2020 until 2025.
In Columbia, MO it ranked 15 of 268 lenders, and its share rose 0.4 points to 1.4%; Wells Fargo Bank led. In Jefferson City, MO it ranked 30 of 189, with its share up 0.4 points to 0.5%. It has lent in both since 2004.
Borrowers with low and moderate incomes took 33.1% of its loans, against 28.6% at similar lenders. Poorer neighborhoods (low- and moderate-income tracts) took 20.2%, against 16.2%. On both measures it was higher than about two-thirds of its peers. None of its loans was in a majority-minority neighborhood; there may be few in the 23 counties where it lends.
Conventional loans were 99.5% of its lending, and manufactured homes 6.2%, against 1.9% at peers. Its typical loan, $175,000, was close to the $185,000 at similar lenders. It made no jumbo loans (larger than the conforming limit).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Exchange Bank of Missouri took 231 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 67.9% · Purchase 30.1% · Home improvement 1.0% · Other 1.0%
Conventional 99.5% · USDA (RHS or FSA) 0.5% · of 193 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 | 192 | 99.5% |
| Nebraska | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 106 |
| Jefferson City | 21 |
| Kansas City | 3 |
| St. Louis | 3 |
| Omaha | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005PPHHZWJNR6L41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 686459 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2686459 | 2004–2017 |
Established 19 November 1927. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Exchange Bank of Missouri's data.
Exchange Bank of Missouri's data
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Exchange Bank of Missouri 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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