About twice the loans of 2020
It made 138 loans five years earlier and kept most of the gains of 2021 and 2022. Its 6% rise in 2025 was close to the 9% at similar lenders, state non-member banks making between half and twice as many loans.
Applications / Mortgage Analytics / Lenders / Missouri / Freedom Bank of Southern Missouri
Freedom Bank of Southern Missouri
Cassville, MO · State non-member bank · FDIC · $803 million assets · 283 loans in 2025
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283
loans originated, 2025
318
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Freedom Bank of Southern Missouri has about doubled its lending in five years, to 283 loans in 2025, and an unusual number of them are on manufactured homes.
Smaller loans, more manufactured homes
Manufactured homes made up 11.3% of its loans, against 2.5% at similar lenders, more than at about four in five of them. Its typical loan was $135,000, against $175,000. Manufactured-home lending and its non-metro markets are possible reasons for the smaller loans.
Poorer borrowers, fewer poorer neighborhoods
Low- and moderate-income (LMI) borrowers took 33.5% of its loans, more than at about seven in ten similar lenders. Its share in LMI neighborhoods, 13.1%, was lower than peers' 17.1%, and in majority-minority neighborhoods it was 0.4%, against 6.6%. A footprint centered on non-metro Missouri, where such neighborhoods may be few, could explain both.
Gaining in Springfield
Its share of the Springfield, MO market rose to 0.9% from 0.6%, a rank of 30 of 351. In Joplin, KS-MO it slipped to 0.7% from 0.8%, a change a few loans either way could explain. Flat Branch Mortgage leads both.
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
283 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Freedom Bank of Southern Missouri took 318 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
50.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 50.2% · Refinance 38.5% · Other 7.4% · Home improvement 3.9%
Conventional 100.0% · of 283 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
3 states, 4 metros, 25 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 278 | 98.2% |
| Arkansas | 4 | 1.4% |
| Kansas | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Springfield | 57 |
| Joplin | 18 |
| Fayetteville-Springdale-Rogers | 3 |
| Little Rock-North Little Rock-Conway | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007RR4DXYXPJCZ82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2835103 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335276 | 2011–2017 |
Established 22 November 1999. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Freedom Bank of Southern Missouri's data.
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