Applications / Mortgage Analytics / Lenders / Missouri / The Missouri Bank
Warrenton, MO · State member bank · FRS · $502 million assets · 107 loans in 2025
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107
loans originated, 2025
115
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Missouri Bank, a Warrenton lender that has filed home-loan reports since 1994, made 107 loans in 2025, 20% more than the year before and faster growth than most banks its size.
For five years the bank made between 86 and 90 loans a year. In 2025 its count rose 20%, against 8% for similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market. That put its growth above about two-thirds of its peers.
Every loan it made was conventional, with none backed by the government. Purchases were 50.5% of its loans and refinances 46.7%. Its typical loan, at $225,000, was larger than at about seven in ten similar lenders, whose typical loan was $175,000. Larger loans may be one reason its share of loans to low- and moderate-income (LMI) borrowers, 23.9%, sat a little below the peer figure of 27.2%.
It made 29.0% of its loans in LMI neighborhoods, against 16.5% at similar lenders, a higher share than about four in five of them. It made none in majority-minority neighborhoods, where peers made 5.6%. Its lending is confined to 15 counties in Missouri, and those counties may simply hold few such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Missouri Bank took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.5% · Refinance 46.7% · Other 1.9% · Home improvement 0.9%
Conventional 100.0% · of 107 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 | 107 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 58 |
| Columbia | 21 |
| Jefferson City | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FS4TWJ50ESLB05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 309150 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2309150 | 1994–2017 |
Established 1 January 1934. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The Missouri Bank's data.
The Missouri Bank's data
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The Missouri 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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