Applications / Mortgage Analytics / Lenders / Missouri / Independent Farmers Bank
Maysville, MO · State non-member bank · FDIC · $150 million assets · 22 loans in 2025
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22
loans originated, 2025
27
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Independent Farmers Bank, a small bank in Maysville, Missouri, made 22 home loans in 2025, almost half fewer than in 2024; St. Joseph is its main market.
Its loans fell 45% in 2025, from 40 to 22. Similar lenders (state non-member banks making between half and twice as many loans) fell 10%, and the whole market rose 10%. But 2024 was its busiest year since at least 2018; it made 32 loans in 2018 and 20 in both 2019 and 2023, so 2025 looks more like a return to its usual level than a collapse. It filed no reports for 2020 to 2022, gaps in the record rather than years without loans.
Refinancing made up 72.7% of its loans, purchases 18.2% and home improvement 9.1%. All were conventional, and none were for manufactured homes. Its typical loan, $105,000, was smaller than at most similar lenders, where it was $175,000. With 22 loans, these shares can swing a lot from year to year.
St. Joseph, KS-MO, where it has lent since 2004, is its main market. It ranks 39 of 186 lenders there, and its share fell to 0.5% from 0.9%, a drop of 0.4 points that may simply follow from its smaller loan count. Fairway Independent Mortgage leads the market; The Nodaway Valley Bank is fourth. In Kansas City it ranks 491 of 659.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Independent Farmers Bank took 27 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 72.7% · Purchase 18.2% · Home improvement 9.1%
Conventional 100.0% · of 22 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 | 22 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Joseph | 14 |
| Kansas City | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 894500L05PZK2V29V567 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 956152 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311462 | 2004–2017 |
Established 12 March 1920. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Independent Farmers Bank's data.
Independent Farmers Bank's data
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Independent Farmers 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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