Applications / Mortgage Analytics / Lenders / Missouri / Triad Bank
Frontenac, MO · State non-member bank · FDIC · $979 million assets · 52 loans in 2025
Triad Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
52
loans originated, 2025
54
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Triad Bank is a St. Louis lender of large home-purchase loans, and in 2025 its lending rose by more than a third.
Its typical loan was $400,000 in 2025, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than at about nine in ten of them. Home purchases made up 69.2% of its 52 loans. So although it made fewer loans than the typical peer, it lent $36.7 million, more than twice their $15.9 million.
Its loans rose 37%, from 38 to 52, while similar lenders grew 5% and the whole market 10%. That is faster than about four in five peers, though on numbers this small a few extra loans make a large percentage. It made 51 loans in 2018 and 56 in 2019, then filed no report for 2020 to 2022, so 2025 looks more like a return to its earlier level than a breakout.
In St. Louis its share held at 0.2%, ranking it 100 of 637 lenders; Guild Mortgage Company, United Wholesale Mortgage and Rocket Mortgage lead. It has lent there since 2007. In 2025 it also made its first loans in non-metro Montana and in Daphne-Fairhope-Foley, Alabama, spreading a small book across 4 states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Triad Bank took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.2% · Refinance 28.8% · Home improvement 1.9%
Conventional 100.0% · of 52 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 | 47 | 90.4% |
| Illinois | 2 | 3.8% |
| Montana | 2 | 3.8% |
| Alabama | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 48 |
| Daphne-Fairhope-Foley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300514215EBX5I696 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3374382 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358121 | 2007–2017 |
Established 24 October 2005. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Triad Bank's data.
Triad Bank's data
$215
Triad 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.
Buy Triad Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]