Applications / Mortgage Analytics / Lenders / Missouri / Commercial Trust Company of Fayette
Fayette, MO · State non-member bank · FDIC · $150 million assets · 97 loans in 2025
Commercial Trust Company of Fayette's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
97
loans originated, 2025
103
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commercial Trust Company of Fayette grew a little faster than its peers in 2025, but it makes about a third as many loans as it did in 2020.
It made 97 loans, up 14% from 85, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. Its dollar total rose from $13.7 million to $18.4 million as its typical loan rose from $105,000 to $135,000.
It made 302 loans in 2020 and 251 in 2021, then fell to 90 by 2023. Its count is now closer to the 141 of 2018 than to those years.
Purchases made up 61.9% of its lending, refinances 19.6% and home improvement 11.3%. Low- and moderate-income (LMI) borrowers took 33.3% of its loans, more than at about two-thirds of similar lenders. Its typical loan was smaller than at about seven in ten of them.
In Columbia, MO, where it has lent since 2004, it ranked 20 of 268 lenders, and its share fell from 1.1% to 0.9%; Wells Fargo Bank led. More of its lending may have gone elsewhere among the 12 counties it serves, or rivals may have grown faster.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Commercial Trust Company of Fayette took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.9% · Refinance 19.6% · Home improvement 11.3% · Other 7.2%
Conventional 100.0% · of 97 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 | 97 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 83 |
| Kansas City | 2 |
| Springfield | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OLRFUNCEDVGB16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 709451 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39791 | 2004–2017 |
Established 1 January 1903. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Commercial Trust Company of Fayette's data.
Commercial Trust Company of Fayette's data
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Commercial Trust Company of Fayette 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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