Gaining ground in Joplin
Its share of Joplin lending rose from 3.0% to 3.9%, ranking it 5 of 219. Flat Branch Mortgage leads there, followed by Arvest Bank. It has lent in Joplin since 2003. In Springfield and its other markets its share is small.
Applications / Mortgage Analytics / Lenders / Missouri / People's Bank of Seneca
People's Bank of Seneca
Seneca, MO · State non-member bank · FDIC · $483 million assets · 146 loans in 2025
People's Bank of Seneca's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
146
loans originated, 2025
200
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
People's Bank of Seneca, a small Missouri bank, is the fifth-largest of 219 mortgage lenders in Joplin, and its share there rose to 3.9% in 2025.
Growing faster than most
It made 146 loans, up 22%, while similar lenders (state non-member banks making between half and twice as many loans) and the whole market both grew 10%. That was faster than about seven in ten of them. It is still well short of the 341 loans it made in 2020. Its typical loan rose to $185,000 from $125,000.
A plain purchase lender
Home purchases made up 74.7% of its loans and refinancing 17.8%. Every loan was conventional; it made none backed by a government agency.
Poorer places, fewer modest incomes
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 27.4% of its loans, against 17.2% at similar lenders, more than at about three in four of them. LMI borrowers took only 14.3%, against 28.2%, among the lowest tenth. Its focus on purchases and its bigger loans in 2025 are possible reasons.
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
146 loans in 2025, against a peak of 341 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. People's Bank of Seneca took 200 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
74.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 74.7% · Refinance 17.8% · Home improvement 6.2% · Other 1.4%
Conventional 100.0% · of 146 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
4 states, 4 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 108 | 74.0% |
| Kansas | 25 | 17.1% |
| Oklahoma | 10 | 6.8% |
| Arkansas | 3 | 2.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Joplin | 107 |
| Springfield | 6 |
| Fayetteville-Springdale-Rogers | 2 |
| Fort Smith | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q8R70WLHGFLX73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2396592 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334146 | 2003–2017 |
Established 15 March 1996. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: People's Bank of Seneca's data.
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