Applications / Mortgage Analytics / Lenders / Missouri / Hawthorn Bank
Jefferson City, MO · State non-member bank · FDIC · $1.9 billion assets · 436 loans in 2025
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436
loans originated, 2025
595
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hawthorn Bank, of Jefferson City, Missouri, ranks 9 of 189 lenders in its home town, and half of its loans are for purposes other than buying or refinancing a home.
Its share of lending in Jefferson City rose from 1.7% to 2.0%, behind Flat Branch Mortgage and The Central Trust Bank. In Columbia it ranked 16 of 268, and its share fell from 1.4% to 1.3%. Its slow growth overall is one possible reason. In Lawrence, KS, its share rose to 0.4%.
Other purposes made up 49.8% of its loans, purchases 33.3% and refinances 14.4%. Its typical loan was $145,000, against $175,000 at similar lenders (banks of the same type making between half and twice as many loans). It bought 19 loans from other lenders, though most similar lenders bought none.
It made 436 loans in 2025, up 2% from 427, while similar lenders grew 9% and the whole market 10%. It had made 1,290 in 2020. Loans insured by the Federal Housing Administration (FHA), 7.0% of its lending in 2024, fell to 0.0%.
Low- and moderate-income (LMI) borrowers took 30.8% of its loans, against 27.9% at similar lenders. LMI neighborhoods took 15.6%, near the middle. Majority-minority neighborhoods took 1.1%, against 6.7%; the mostly Missouri counties it serves are a possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hawthorn Bank took 595 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 49.8% · Purchase 33.3% · Refinance 14.4% · Home improvement 2.5%
Conventional 98.9% · VA 0.7% · USDA (RHS or FSA) 0.5% · of 436 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 | 414 | 95.0% |
| Kansas | 15 | 3.4% |
| Florida | 2 | 0.5% |
| Arkansas | 1 | 0.2% |
| Colorado | 1 | 0.2% |
| Mississippi | 1 | 0.2% |
| Nebraska | 1 | 0.2% |
| Ohio | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 112 |
| Jefferson City | 77 |
| Columbia | 65 |
| Springfield | 11 |
| St. Louis | 3 |
| North Port-Bradenton-Sarasota | 2 |
| Colorado Springs | 1 |
| Dayton-Kettering-Beavercreek | 1 |
| Jackson | 1 |
| Lawrence | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930023DLYUOD6GKQ42 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 508346 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310619 | 2004–2017 |
Established 1 January 1911. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Hawthorn Bank's data.
Hawthorn Bank's data
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Hawthorn 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.
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