Applications / Mortgage Analytics / Lenders / Missouri / Goppert Financial Bank
Lathrop, MO · State non-member bank · FDIC · $296 million assets · 42 loans in 2025
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42
loans originated, 2025
49
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Goppert Financial Bank is a small Missouri lender that makes plain conventional loans, and it made a few more of them in 2025 than the year before.
Its loans rose 8%, from 39 to 42. The typical similar lender, a state non-member bank making between half and twice as many loans, grew 2%; the whole market grew 10%. The bank filed no report from 2018 to 2022, so its recent record starts again in 2023 at 31 loans. Those years are gaps in the record, not years without lending.
Every loan was conventional, with none backed by the government. Half were home purchases and about a quarter refinances. The typical loan, $170,000, sat near the middle of similar lenders, whose typical loan was $165,000.
Some 46.9% of its borrowers had low or moderate incomes, higher than about nine in ten similar lenders, against 27.8% at the typical one. Yet only 9.5% of its loans went to poorer neighborhoods (low- and moderate-income, or LMI, tracts), half the typical 19.0%, and none to majority-minority tracts. Its lending spans just 10 counties in one state, so the tracts within reach may be few. With 42 loans, a handful either way moves these shares a lot.
In Kansas City, its largest market, the bank ranked 218 of 659 lenders, and its share slipped by 0.1 points. That is a matter of a few loans in a market led by CommunityAmerica Federal Credit Union, with $1.29B.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Goppert Financial Bank took 49 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 26.2% · Home improvement 14.3% · Other 9.5%
Conventional 100.0% · of 42 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 | 42 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 37 |
| St. Joseph | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DT3JWU98STFO49 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 815053 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38569 | 1994–2016 |
Established 28 September 1879. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Goppert Financial Bank's data.
Goppert Financial Bank's data
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