Applications / Mortgage Analytics / Lenders / Missouri / Pony Express Bank
Braymer, MO · State non-member bank · FDIC · $376 million assets · 54 loans in 2025
Pony Express Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
54
loans originated, 2025
63
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pony Express Bank, a small Missouri lender, makes larger loans than most banks its size and lends as far afield as Florida.
Its typical loan was $270,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than about four in five. Jumbo loans, those larger than the conforming limit, made up 14.9% of its lending, against 1.7%, a higher share than more than nine in ten. The jumbo share was already 11.5% in 2024.
Kansas City is its largest market, where it ranks 147 of 659 lenders with 0.1% of lending; CommunityAmerica Federal Credit Union leads. It also lends in Naples, where its share rose to 0.1% from 0.0%, and entered Miami in 2025. Its loans span 4 states.
It made 54 loans, against 53 in 2024, while similar lenders grew 6% and the whole market 10%. Home purchases made up 55.6% of its loans and home improvement 11.1%. Low- and moderate-income (LMI) neighborhoods took 24.1%, against 18.5% at peers. It filed no report for 2020 or 2021, years in which a bank of its size need not.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Pony Express Bank took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.6% · Refinance 24.1% · Home improvement 11.1% · Other 9.3%
Conventional 100.0% · of 54 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 | 50 | 92.6% |
| Florida | 2 | 3.7% |
| Illinois | 1 | 1.9% |
| Kansas | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 44 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Lake County | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MUCXO2NIUSBW51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 953843 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34526 | 1994–2017 |
Established 2 October 1890. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Pony Express Bank's data.
Pony Express Bank's data
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Pony Express 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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