Applications / Mortgage Analytics / Lenders / Missouri / Mid America Bank
Jefferson City, MO · State non-member bank · FDIC · $1.1 billion assets · 365 loans in 2025
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365
loans originated, 2025
450
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid America Bank lends mainly to homebuyers in Jefferson City, Missouri, where it ranks fifth, and it gained share there in 2025 as its loans rose 32%.
It made 365 loans, up from 277. That rise of 32% was faster than at nearly nine in ten similar banks (state non-member banks making between half and twice as many loans), which grew 9%. The whole market grew 10%. Purchases make up 75.9% of its loans and refinances 17.8%.
In Jefferson City it ranked 5 of 189 lenders, and its share rose to 6.0% from 4.8%; Flat Branch Mortgage led. In Columbia it ranks 13 of 268, and its share fell to 1.9% from 2.6%; Wells Fargo Bank leads there. A sharper focus on its home market, or stronger competitors in Columbia, may explain the difference.
Its typical loan, $225,000, is larger than at about two-thirds of similar banks, where it is $175,000. It turned down 4.5% of home-purchase applications, near the middle of similar banks at 4.8%.
None of its 2025 loans was in a majority-minority area, against 6.8% at similar banks. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 13.0%, against 16.5%. Its share to LMI borrowers, 29.3%, is near the middle. The markets it serves may have few such areas.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mid America Bank took 450 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.9% · Refinance 17.8% · Home improvement 4.1% · Other 2.2%
Conventional 98.9% · USDA (RHS or FSA) 1.1% · of 365 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 | 364 | 99.7% |
| Florida | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jefferson City | 192 |
| Columbia | 86 |
| Kansas City | 3 |
| St. Louis | 3 |
| Joplin | 1 |
| Punta Gorda | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DOV2RLYPY10B52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 873259 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311459 | 2004–2017 |
Established 12 April 1914. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Mid America Bank's data.
Mid America Bank's data
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