A country lender
Its two largest markets are non-metro Missouri, where it ranks 75 of 640 lenders, and non-metro Illinois, where it ranks 67 of 572. In St. Louis, IL-MO and Kansas City, KS-MO its share rounds to 0.0%.
Applications / Mortgage Analytics / Lenders / Missouri / HomeBank
HomeBank
Palmyra, MO · State non-member bank · FDIC · $712 million assets · 227 loans in 2025
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227
loans originated, 2025
249
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HomeBank, a Missouri bank, lends mostly to home buyers outside the big metro areas, and in smaller amounts than most similar lenders.
Modest loans for buyers
Purchases made up 72.2% of its loans and home improvement 10.6%, all of them conventional. Its typical loan was $135,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than at about three in four of them. It made no jumbo loans, those larger than the conforming limit.
Few buyers turned away
It turned down 1.8% of decided first-lien applications to buy an owner-occupied home, against 5.3% at similar lenders, a lower rate than at about nine in ten of them. Low- and moderate-income (LMI) borrowers took 27.9% of its loans, the same as at its peers. Its share in poorer neighborhoods was lower, 11.0% against 17.4%, which may reflect the rural areas it serves.
Far below its peak
Its loans rose 7%, to 227, against 9% at similar lenders and 10% for the whole market. That is less than half the 584 it made in 2020.
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
227 loans in 2025, against a peak of 584 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HomeBank took 249 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
72.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 72.2% · Refinance 15.0% · Home improvement 10.6% · Other 2.2%
Conventional 100.0% · of 227 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, 5 metros, 29 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 150 | 66.1% |
| Illinois | 76 | 33.5% |
| Iowa | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| St. Louis | 15 |
| Columbia | 6 |
| Jefferson City | 3 |
| Kansas City | 2 |
| Ames | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DFV63SJPNIII97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 697156 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314492 | 2015–2017 |
Established 1 June 1934. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: HomeBank's data.
The data and the software behind these pages
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HomeBank 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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