Applications / Mortgage Analytics / Lenders / Missouri / Family Finance Mortgage
Arnold, MO · Independent non-bank lender · CFPB · 318 loans in 2025
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318
loans originated, 2025
318
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Family Finance Mortgage, a home-purchase lender based in Arnold, Missouri, lends to veterans and to low- and moderate-income borrowers far more than most lenders its size.
Nearly half its borrowers, 45.2%, had low or moderate incomes, against 21.8% at the typical similar lender (an independent non-bank lender making between half and twice as many loans). That puts it above more than nine in ten of them. Its typical loan, $265,000, is smaller than peers' $325,000, as one would expect when buyers have less to spend.
Loans guaranteed by the Department of Veterans Affairs (VA) made up 13.8% of its lending, more than three times the peer figure of 4.1%. Loans insured by the Federal Housing Administration (FHA) were 19.8%, close to peers. Two-thirds of its loans financed a purchase; the rest were refinances.
It made 318 loans in 2025, up 3% on the year. Similar lenders grew by 2% and the whole market by 10%. Volume is well under half the 785 loans it made in 2021, but it has held between 291 and 318 a year since 2023.
St. Louis is its biggest market. There it ranks 48 of 637 lenders with 0.5% of lending, the same share as a year earlier; Guild Mortgage Company leads. In 2025 it made its first loans in Orlando and Wildwood-The Villages, so far with a tiny share of each.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Family Finance Mortgage took 318 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.0% · Refinance 33.0%
Conventional 65.7% · FHA 19.8% · VA 13.8% · USDA (RHS or FSA) 0.6% · of 318 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 | 305 | 95.9% |
| Illinois | 7 | 2.2% |
| Florida | 6 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 292 |
| Chicago-Naperville-Schaumburg | 3 |
| Cape Girardeau | 2 |
| Orlando-Kissimmee-Sanford | 2 |
| Tampa | 2 |
| Cape Coral-Fort Myers | 1 |
| Kansas City | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004G43JM6M5BFR40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5139008 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7320029618 |
Established 26 August 2002. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Family Finance Mortgage's data.
Family Finance Mortgage's data
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