Applications / Mortgage Analytics / Lenders / Missouri / Verimore Bank
Brookfield, MO · State member bank · FRS · $639 million assets · 91 loans in 2025
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91
loans originated, 2025
113
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Verimore Bank, a Missouri bank once called First Missouri Bank, makes smaller loans than similar lenders, with a larger share for manufactured homes.
Its typical loan was $125,000 in 2025, against $175,000 at similar lenders (state member banks making between half and twice as many loans), smaller than about five in six. Manufactured homes made up 11.0% of its loans, against 2.1% at peers. Such homes cost less, which may explain part of the gap in loan size.
It made 91 loans, up 8% from 84, the same pace as similar lenders; the whole market grew 10%. Purchases were 64.8% of its loans and refinances 27.5%. The bank filed no HMDA report for 2020 or 2021, which leaves a gap in its record rather than years without lending.
Borrowers of low and moderate income took 29.0% of its loans and poorer neighborhoods 16.5%, both near the peer figures of 27.2% and 17.0%.
Kansas City is its largest market, where it ranked 194 of 659 lenders with 0.1% of the dollars, unchanged from a year earlier. CommunityAmerica Federal Credit Union led. It merged with Clay County Savings Bank in 2025, and that bank's filings count as Verimore's in these market figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Verimore Bank took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.8% · Refinance 27.5% · Home improvement 5.5% · Other 2.2%
Conventional 100.0% · of 91 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 | 86 | 94.5% |
| Kansas | 5 | 5.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 42 |
| Jefferson City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z3IK4IHLP1R468 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 710176 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 122706 | 2007–2010 |
| Respondent ID (the HMDA filer code before 2018) | 2710176 | 2011–2017 |
Established 1 May 1934. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Verimore Bank's data.
Verimore Bank's data
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