Applications / Mortgage Analytics / Lenders / Missouri / Sterling Bank
Poplar Bluff, MO · State non-member bank · FDIC · $1.5 billion assets · 78 loans in 2025
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78
loans originated, 2025
94
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sterling Bank, of Poplar Bluff, Missouri, pushed into three new markets in 2025 and, unlike the typical similar bank, bought home loans from other lenders.
Among similar lenders (state non-member banks making between half and twice as many loans), the typical bank bought no loans; Sterling Bank bought 23, after none in 2024. Few of its peers bought as many. Whether the purchases account for its new markets, the data do not say.
It lends in 28 counties across 6 states and 11 metros. In 2025 it lent for the first time in Longview, Waco and Hot Springs, and in Hot Springs it already holds 0.2%. In Cape Girardeau its share rose from 0.2% to 0.4%, ranking 36 of 157.
Some 36.8% of its loans went to low- and moderate-income borrowers, up from 20.0% and against 27.4% at similar lenders, more than about three-quarters of them. Its typical loan, $145,000, was smaller than theirs, $175,000.
It made 78 loans, up 8%, close to the 9% typical among similar lenders. Purchases made up 76.9% of its lending. Its volume has stayed between 69 and 82 loans in every year it has reported since 2018.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Sterling Bank took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.9% · Refinance 17.9% · Other 3.8% · Home improvement 1.3%
Conventional 100.0% · of 78 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 | 55 | 70.5% |
| Arkansas | 11 | 14.1% |
| Texas | 6 | 7.7% |
| Illinois | 3 | 3.8% |
| South Carolina | 2 | 2.6% |
| Georgia | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 8 |
| Cape Girardeau | 6 |
| Chicago-Naperville-Schaumburg | 2 |
| Hot Springs | 1 |
| Killeen-Temple | 1 |
| Little Rock-North Little Rock-Conway | 1 |
| Longview | 1 |
| Lubbock | 1 |
| St. Louis | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DNP4W96HB6LV07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3284490 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357813 | 2011–2017 |
Established 19 October 2004. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Sterling Bank's data.
Sterling Bank's data
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