Applications / Mortgage Analytics / Lenders / Missouri / Adrian Bank
Adrian, MO · State member bank · FRS · $189 million assets · 35 loans in 2025
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35
loans originated, 2025
41
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Adrian Bank, a small Missouri bank with $189 million in assets, makes a few dozen home loans a year around Kansas City, and an unusual number of them go to manufactured homes and modest-income borrowers.
It made 35 loans in 2025, the same as in 2024. Similar lenders, state member banks making between half and twice as many loans, made 43 in the typical case. It filed no reports for 2020 to 2022; banks making fewer than 100 loans a year need not report, so those years are gaps in the record, not years without lending.
One loan in five, 20.0%, was for a manufactured home; the typical similar bank made none. Purchases were 65.7% of its loans, with the rest split between refinancing, home improvement and other purposes. Every loan was conventional.
Borrowers with low or moderate incomes took 46.7% of its loans, against 22.2% at similar banks, and 45.7% of its loans were in low- and moderate-income neighborhoods, against 16.7%. Both are higher than more than nine in ten of its peers. On 35 loans a few can move these figures, but the gap is wide.
It lends in 6 counties of one state. Its largest market is Kansas City, where it ranked 239 of 659 lenders; CommunityAmerica Federal Credit Union led. It has lent there since 2004 and in non-metro Missouri since 2007.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Adrian Bank took 41 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.7% · Refinance 14.3% · Other 11.4% · Home improvement 8.6%
Conventional 100.0% · of 35 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 | 35 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 29 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TUS3PQY1ER5639 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 94858 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 294858 | 2004–2017 |
Established 18 October 1932. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Adrian Bank's data.
Adrian Bank's data
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