Applications / Mortgage Analytics / Lenders / Missouri / Bank of Billings
Billings, MO · State non-member bank · FDIC · $95.5 million assets · 60 loans in 2025
Bank of Billings's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
60
loans originated, 2025
70
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Billings, a small Missouri bank near Springfield, lends to modest earners more than nearly any similar lender does.
Borrowers with low and moderate incomes (LMI) took 54.3% of its 60 loans, against 26.9% at similar lenders (state non-member banks making between half and twice as many loans). That is higher than nearly all of them. LMI neighborhoods took 35.0%, against 18.5%. Its typical loan, $125,000, was lower than at most peers, where it was $172,500, which fits that mix.
Its loans rose from 41 to 60, a 46% jump, against 8% at similar lenders. It filed no reports for 2019 to 2021 or for 2023, so its record has gaps.
All its lending was in Missouri, in 9 counties. In Springfield, its largest market since 1992, it ranked 88 of 351 lenders with 0.2%, up from 0.1%. Flat Branch Mortgage led. Which nearby counties hold its lending to modest earners is not clear from these figures.
Home purchases made up 53.3% of its loans, refinances 35.0% and home improvement 11.7%. All were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 of Billings took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.3% · Refinance 35.0% · Home improvement 11.7%
Conventional 100.0% · of 60 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 | 60 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 29 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FZVFXIG76Q3D24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 572347 | 2010–2022 |
| Respondent ID (the HMDA filer code before 2018) | 316959 | 1992–2016 |
Established 14 March 1889. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Bank of Billings's data.
Bank of Billings's data
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