Applications / Mortgage Analytics / Lenders / Missouri / Sherwood Community Bank
Creighton, MO · State non-member bank · FDIC · $74.8 million assets · 54 loans in 2025
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54
loans originated, 2025
67
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sherwood Community Bank, a small Missouri bank that has reported its lending since 1991, made 42% more loans in 2025, a faster rise than most similar banks managed.
Sherwood made 54 loans in 2025, up from 38. Its similar lenders, state non-member banks making between half and twice as many loans, grew by a typical 6%, and the whole market by 10%. Only about one in seven of them grew faster. It filed no report for 2019 to 2022, when it may have been below the reporting threshold, so its record has a gap there.
A quarter of its loans, 25.9%, were for home improvement, and 57.4% were for home purchase. Every loan was conventional, with no government backing. That mix may help explain why its typical loan, $115,000, was smaller than at about four in five similar lenders, whose typical loan was $167,500.
Of its loans, 25.7% went to low- and moderate-income (LMI) borrowers, close to the typical peer's 27.0%. Its share in LMI neighborhoods, 17.0%, was also near the middle. With 54 loans, a few borrowers either way would move both figures.
Sherwood lends in seven counties across two states, and in only one metro. It has lent in Kansas City since 1991, where it ranked 230 of 659 lenders and CommunityAmerica Federal Credit Union led. In non-metro Missouri it ranked 302 of 640, behind leader Flat Branch Mortgage.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Sherwood Community Bank took 67 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.4% · Home improvement 25.9% · Refinance 16.7%
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 | 52 | 96.3% |
| Kansas | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 41 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OZM8CQ84QZFF17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 887854 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31612 | 1991–2017 |
Established 6 June 1902. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Sherwood Community Bank's data.
Sherwood Community Bank's data
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Sherwood Community 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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