Applications / Mortgage Analytics / Lenders / Missouri / F & C Bank
Holden, MO · State non-member bank · FDIC · $467 million assets · 183 loans in 2025
F & C Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
183
loans originated, 2025
200
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
F & C Bank, a Missouri community bank, has made more loans almost every year since 2018, though its growth stalled in 2025.
It made 102 loans in 2018, 142 in 2021 and 183 in 2025. The amount it lent rose from $17.1 million in 2020 to $36.2 million. In 2025, though, its count rose just 1%, while similar lenders, state non-member banks making between half and twice as many loans, grew 10%.
All its lending is in 13 Missouri counties. It ranked 46 of 640 lenders in non-metro Missouri, where it has lent since 1996, and 215 of 659 in Kansas City, KS-MO. Purchases made up 60.1% of its loans and refinancing 31.7%. Manufactured homes took 6.6%, against 2.8% at similar lenders.
Its typical loan, $175,000, matched that of similar lenders. Low- and moderate-income (LMI) borrowers took 23.4% of its loans, near the middle of its peers and up from 15.0% a year earlier. LMI neighborhoods took 9.3%, against 17.6%, fewer than at more than four in five peers. The counties it serves may have few such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. F & C Bank took 200 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.1% · Refinance 31.7% · Home improvement 5.5% · Other 2.7%
Conventional 100.0% · of 183 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 | 183 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 41 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FI70PE7HWAVD04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 14155 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39378 | 1996–2017 |
Established 24 March 1881. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: F & C Bank's data.
F & C Bank's data
$215
F & C 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.
Buy F & C Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]