Applications / Mortgage Analytics / Lenders / Missouri / Community First Bank
Butler, MO · State non-member bank · FDIC · $267 million assets · 75 loans in 2025
Community First Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
75
loans originated, 2025
81
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community First Bank, of Butler, Missouri, makes small loans, many on manufactured homes, and lends to poorer borrowers and neighborhoods far more often than most of its peers.
Its typical loan was $85,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), lower than more than nine in ten of them. Manufactured homes took 21.3% of its loans, against 2.6% at peers, and home improvement 13.3%. Both tend to mean smaller loans. Every loan was conventional.
Low- and moderate-income (LMI) borrowers took 44.8% of its loans, against 27.2% at peers, more than about nine in ten of them. LMI areas took 56.0%, against 18.5%, higher than nearly all peers.
Its 75 loans were 4% more than in 2024. Similar lenders grew 9%, and the whole market 10%. It made 97 loans in 2023. It filed no report for 2020 to 2022; those years are gaps in the record, not years without lending.
It ranked 263 of 640 lenders in non-metro Missouri and 219 of 659 in Kansas City, KS-MO. It first lent in Cape Girardeau in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Community First Bank took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.0% · Refinance 30.7% · Home improvement 13.3% · Other 8.0%
Conventional 100.0% · of 75 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 | 74 | 98.7% |
| Kansas | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 53 |
| Springfield | 2 |
| Cape Girardeau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900A9CML4JKHW8E85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 756848 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310595 | 2004–2017 |
Established 1 January 1932. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Community First Bank's data.
Community First Bank's data
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Community First Bank 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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