Applications / Mortgage Analytics / Lenders / Missouri / Guaranty Bank
Springfield, MO · State member bank · FRS · $2.4 billion assets · 327 loans in 2025
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327
loans originated, 2025
381
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Guaranty Bank, a Springfield home-purchase lender, makes loans insured by the Federal Housing Administration (FHA), which the typical similar bank does not, and its loans rose 5% in 2025.
FHA loans made up 14.7% of its lending in 2025, up from 2.2% in 2020; the typical similar lender (state member banks making between half and twice as many loans) made none. Purchases were 68.2% of its loans and refinances 30.0%. Its denial rate on first-lien purchase applications, 2.2%, was lower than the 6.7% at its peers.
Springfield, MO, is its largest market. It ranks 13 of 351 lenders there with 2.4%, down from 3.5%; Flat Branch Mortgage leads. Its dollar total fell to $108.3 million from $118.9 million though its loan count rose. Fewer large loans or gains by competitors are possible reasons. Its shares in Joplin and St. Louis rose slightly.
Originations rose 5% to 327, against 7% at similar lenders and 10% for the whole market. That is well below the 738 loans it made in 2020. Its typical loan, $235,000, was larger than the $195,000 at peers.
Majority-minority areas took 0.6% of its loans, against 6.6% at similar lenders, lower than at about six in seven of them. The Springfield and rural Missouri markets it serves may hold few such areas. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 18.4%, against 16.5%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Guaranty Bank took 381 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.2% · Refinance 30.0% · Other 1.2% · Home improvement 0.6%
Conventional 82.9% · FHA 14.7% · VA 1.8% · USDA (RHS or FSA) 0.6% · of 327 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 | 315 | 96.3% |
| Arkansas | 3 | 0.9% |
| Illinois | 3 | 0.9% |
| Texas | 2 | 0.6% |
| Florida | 1 | 0.3% |
| Kansas | 1 | 0.3% |
| Maryland | 1 | 0.3% |
| Tennessee | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 250 |
| Joplin | 15 |
| St. Louis | 4 |
| Cape Girardeau | 3 |
| Kansas City | 3 |
| Baltimore-Columbia-Towson | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Columbia | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007IES1RWVUDDU23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3804535 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358892 | 2009–2017 |
Established 24 October 2008. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Guaranty Bank's data.
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