Applications / Mortgage Analytics / Lenders / Missouri / Bank Northwest
Hamilton, MO · State non-member bank · FDIC · $223 million assets · 77 loans in 2025
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77
loans originated, 2025
92
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank Northwest, a Missouri bank lending around Kansas City and St. Joseph, puts more of its loans in poorer neighborhoods than most similar lenders do.
Low- and moderate-income (LMI) neighborhoods took 26.0% of its loans, against 18.7% at similar lenders (state non-member banks making between half and twice as many loans). That is more than about two-thirds of them. Borrowers with LMI incomes took 30.4% of its loans, a little above the middle of peers.
It made 77 loans, 3% fewer than in 2024, while similar lenders grew 9%. It filed no reports for 2020 to 2022, so its record has a gap. It made 66 loans in 2019 and 72 in 2023.
Home purchases made up 59.7% of its loans and refinances 33.8%. All were conventional. Its typical loan rose to $205,000 from $125,000 in 2024, above the $175,000 at peers.
In Kansas City it ranked 190 of 659 lenders with 0.1%, unchanged. In St. Joseph it ranked 54 of 186, and its share fell from 0.6% to 0.3%. With so few loans, a handful more or fewer moves that share. Which counties hold its lending in poorer neighborhoods is not clear from these figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Bank Northwest took 92 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.7% · Refinance 33.8% · Other 5.2% · Home improvement 1.3%
Conventional 100.0% · of 77 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 | 75 | 97.4% |
| Iowa | 2 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 42 |
| St. Joseph | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DRRUT25BYSOL40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 645157 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316601 | 2004–2017 |
Established 4 August 1945. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank Northwest's data.
Bank Northwest's data
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