Applications / Mortgage Analytics / Lenders / Missouri / Preferred Bank
Rothville, MO · State non-member bank · FDIC · $131 million assets · 38 loans in 2025
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38
loans originated, 2025
39
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Preferred Bank, a small Missouri lender, grew faster in 2025 than most banks its size, with a tenth of its loans on manufactured homes.
Its loans rose to 38 from 29, faster than about four in five similar lenders (state non-member banks making between half and twice as many loans), whose loans rose 2%. The whole market grew 10%. It filed no report for 2019 to 2022, years in which a bank of its size need not.
Manufactured homes made up 10.5% of its loans, against 2.6% at peers, higher than about four in five. On 38 loans that is a handful of homes. Purchases took 57.9% and refinances 31.6%; every loan was conventional.
Low- and moderate-income (LMI) neighborhoods took 10.5% of its loans, against 19.0% at peers, lower than about three in four. It made no loans in majority-minority neighborhoods, against 6.5%. Its counties may hold few such neighborhoods, and a few loans either way move these shares.
It lends in 12 counties but only 1 metro area, Kansas City, where it has lent since at least 1990. In non-metro Missouri it ranks 193 of 640 lenders; Flat Branch Mortgage leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Preferred Bank took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.9% · Refinance 31.6% · Home improvement 5.3% · Other 5.3%
Conventional 100.0% · of 38 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 | 35 | 92.1% |
| Kansas | 2 | 5.3% |
| Washington | 1 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900RVMJYWIGVSVC74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 252452 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310628 | 2011–2017 |
Established 8 January 1904. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Preferred Bank's data.
Preferred Bank's data
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Preferred 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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