Applications / Mortgage Analytics / Lenders / Missouri / Bank of Franklin County
Washington, MO · State non-member bank · FDIC · $409 million assets · 59 loans in 2025
Bank of Franklin County's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
59
loans originated, 2025
86
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Franklin County, a Missouri bank, makes bigger home-purchase loans than most similar banks, but it made only 59 loans in 2025, against 263 in 2020.
Home purchases made up 83.1% of its loans and refinances 10.2%, all conventional. Its typical loan, $255,000, was higher than at about three in four similar lenders (state non-member banks making between half and twice as many loans), whose typical loan was $167,500.
Its loans fell every year, from 263 in 2020 to 65 in 2024. In 2025 it made 59, down 9%, while similar lenders grew by 8%. One possibility is that more of its earlier lending was refinancing, which took only 10.2% of its loans in 2025; these figures do not show its earlier mix.
Low- and moderate-income (LMI) borrowers took 36.5% of its loans, against 26.9% at peers, more than at about three in four of them; in 2024 the share was 23.7%. LMI neighborhoods took 11.9%, against 18.6%. Its ten counties may hold few such neighborhoods.
In St. Louis it ranked 150 of 637 lenders with 0.1% of the market, unchanged; Guild Mortgage Company led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Franklin County took 86 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.1% · Refinance 10.2% · Home improvement 5.1% · Other 1.7%
Conventional 100.0% · of 59 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 | 59 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 54 |
| Jefferson City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BI43WZOK3XF350 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2913702 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335543 | 2002–2017 |
Established 28 August 2000. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Bank of Franklin County's data.
Bank of Franklin County's data
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Bank of Franklin County and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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