Applications / Mortgage Analytics / Lenders / Missouri / Kearney Trust Company
Kearney, MO · State non-member bank · FDIC · $316 million assets · 87 loans in 2025
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87
loans originated, 2025
94
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kearney Trust Company, a Missouri bank that has reported its lending since at least 1990, grew its loans by 21% in 2025, more than twice the pace of similar banks, and lends to lower-income borrowers more than most of them.
It made 87 loans in 2025, up from 72. The typical similar lender (a state non-member bank making between half and twice as many loans) grew by 9%, and the whole market by 10%. Its yearly count has moved between 59 and 87 since 2018, so one strong year is not yet a trend.
Its typical loan was $125,000, against $175,000 at similar banks; about four in five of them lend more per loan. Low- and moderate-income (LMI) borrowers took 40.8% of its loans, against 27.3% at its peers, a higher share than more than four in five. More than half its loans are refinances, home-improvement or other-purpose loans rather than purchases, which may help keep the typical amount down.
Only 1.1% of its loans went to majority-minority neighborhoods, against 6.5% at similar banks. Its lending sits in 14 counties, mostly in Missouri, and those counties may simply hold few such neighborhoods.
In Kansas City, its largest market, it holds 0.1% and ranks 158 of 659 lenders. CommunityAmerica Federal Credit Union leads with $1.29B. It first lent in Cape Coral-Fort Myers in 2025, on a tiny scale.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kearney Trust Company took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.7% · Refinance 34.5% · Other 16.1% · Home improvement 5.7%
Conventional 100.0% · of 87 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 | 83 | 95.4% |
| Kansas | 3 | 3.4% |
| Florida | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 82 |
| St. Joseph | 2 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900OI3V8V16I60I06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 814551 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39794 | 1990–2017 |
Established 10 June 1882. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kearney Trust Company's data.
Kearney Trust Company's data
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Kearney Trust Company 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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