Applications / Mortgage Analytics / Lenders / Missouri / The Seymour Bank
Seymour, MO · State non-member bank · FDIC · $240 million assets · 64 loans in 2025
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64
loans originated, 2025
83
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Seymour Bank, a small Missouri lender, makes more of its loans to lower-income borrowers and poorer neighborhoods than most similar banks.
Similar lenders here are state non-member banks making between half and twice as many loans. Of the bank's borrowers, 38.1% had low or moderate incomes, against 27.2% at those peers, higher than four in five. Its share of loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts) was 35.9%, against 18.7%, higher than more than four in five. Both shares were higher still in 2020.
In Springfield, its largest market, it ranked 62 of 351 lenders with a share of 0.3%, unchanged from 2024. It has lent there since 1994, the year of its first report. In 2024 it began lending in Joplin.
The bank made 64 loans, 17% fewer than in 2024, while similar banks grew by 9%. Fewer than one peer in six shrank more. Its lending has fallen each year since 115 loans in 2022. Refinances took 46.9% of its loans, and with so small a book a few loans either way make a large change. It filed no report for 2021, a gap in the record rather than a year without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Seymour Bank took 83 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 46.9% · Purchase 40.6% · Other 9.4% · Home improvement 3.1%
Conventional 96.9% · USDA (RHS or FSA) 3.1% · of 64 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 | 64 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 50 |
| Joplin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007TX73PE04VDT88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 428855 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315701 | 1994–2017 |
Established 25 November 1939. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The Seymour Bank's data.
The Seymour Bank's data
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The Seymour 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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