Applications / Mortgage Analytics / Lenders / Missouri / Mid-Missouri Bank
Springfield, MO · State non-member bank · FDIC · $927 million assets · 388 loans in 2025
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388
loans originated, 2025
451
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid-Missouri Bank, a Missouri lender to home buyers, made 13% more loans in 2025, and its typical loan has more than doubled since 2020.
It made 388 loans, up from 343. Similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%; it grew faster than about six in ten of them. Purchases made up 68.6% of its loans and refinancing 27.8%.
Its typical loan is $195,000, against $165,000 in 2024 and $90,000 in 2020. That is now a little above the $175,000 typical of similar lenders. Its dollar volume reached $93.5 million, against $49.7 million in 2020.
It ranks 17 of 351 lenders in Springfield, MO, where its share held at 1.8%, and 17 of 219 in Joplin, where its share rose to 1.1% from 0.8%. Flat Branch Mortgage leads both. In 2025 it first lent in Grand Junction, CO.
It turned down 3.0% of home-purchase applications, against 4.7% at similar lenders, lower than at about seven in ten of them. It made no loans in majority-minority neighborhoods, against 6.7% at similar lenders; the markets it serves may have few of them. Its share in low- and moderate-income neighborhoods, 16.5%, is near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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-Missouri Bank took 451 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.6% · Refinance 27.8% · Home improvement 3.6%
Conventional 98.2% · USDA (RHS or FSA) 1.5% · VA 0.3% · of 388 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 | 382 | 98.5% |
| Arkansas | 3 | 0.8% |
| Colorado | 1 | 0.3% |
| Illinois | 1 | 0.3% |
| Kansas | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 216 |
| Joplin | 35 |
| Fayetteville-Springdale-Rogers | 3 |
| Kansas City | 2 |
| Chicago-Naperville-Schaumburg | 1 |
| Grand Junction | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D064PXOX5JP483 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 950141 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315584 | 2001–2016 |
Established 20 June 1872. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Mid-Missouri Bank's data.
Mid-Missouri Bank's data
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