Shrinking
Its loans fell to 192, while similar lenders (state non-member banks making between half and twice as many loans) grew 10%. It made 418 in 2020. The data do not show why; 2018 is a gap in its record, not a year without lending.
Applications / Mortgage Analytics / Lenders / Missouri / Regional Missouri Bank
Regional Missouri Bank
Marceline, MO · State non-member bank · FDIC · $574 million assets · 192 loans in 2025
Regional Missouri Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
192
loans originated, 2025
243
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Regional Missouri Bank makes small, plain conventional loans, its largest market is non-metro Missouri, and it made 11% fewer loans in 2025 while similar lenders grew.
Small loans
Its typical loan was $125,000, against $175,000 at similar lenders, lower than at about four in five. Every loan was conventional, and 58.3% were for purchase. Manufactured homes were 6.2% of its loans, against 2.9% at peers.
Few loans in poorer areas
Low- and moderate-income (LMI) areas took 8.3% of its loans, against 17.7% at similar lenders, among the lowest seventh. Its largest market is non-metro Missouri, and the counties it serves may hold few such areas. Its 30.3% share to LMI borrowers was near the middle.
A foothold in Columbia
In Columbia, MO, where it has lent since 2013, it ranked 56 of 268 lenders with 0.2%, up 0.1 points. In non-metro Missouri it ranked 42 of 640.
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, 2019–2025
192 loans in 2025, against a peak of 418 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Regional Missouri Bank took 243 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
58.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 58.3% · Refinance 30.7% · Home improvement 6.3% · Other 4.7%
Conventional 100.0% · of 192 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, 25 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 187 | 97.4% |
| Iowa | 4 | 2.1% |
| Colorado | 1 | 0.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Columbia | 13 |
| Denver-Aurora-Centennial | 1 |
| Des Moines-West Des Moines | 1 |
| Kansas City | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900RZAKWEVNKBVY93 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 579140 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318385 | 2013–2013 |
Established 13 May 1908. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Regional Missouri Bank's data.
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