Applications / Mortgage Analytics / Lenders / Missouri / Midwest Regional Bank
Clayton, MO · State non-member bank · FDIC · $1.0 billion assets · 19 loans in 2025
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19
loans originated, 2025
21
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Midwest Regional Bank is a small Missouri bank that made 19 mortgages in 2025, fewer than the year before and fewer than most similar banks.
Its loans fell 21%, from 24 to 19. Similar lenders, state non-member banks making between half and twice as many loans, fell 14%, while the whole market grew 10%. It made more loans than only about one in eight of them. At this size a handful of loans either way moves every figure, so the fall says little on its own.
The bank reported 81 loans in 2018 and 65 in 2019, then filed no report from 2020 to 2022. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending. Since it resumed in 2023 it has reported between 19 and 25 loans a year.
Its typical loan was $135,000, against $185,000 at similar lenders. Every loan was conventional, with no government-backed lending, which is also the norm among its peers. The bank was called The Bank of Otterville until it took its present name in 2009, and it first reported under HMDA in 2010.
It lends in 9 counties across 2 states, mostly in Missouri. In St. Louis, its largest market, it ranked 302 of 637 lenders and its share rounds to zero; Guild Mortgage Company led there. It made its first loans in McAllen-Edinburg-Mission, Texas, in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Midwest Regional Bank took 21 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.6% · Purchase 42.1% · Home improvement 5.3%
Conventional 100.0% · of 19 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 | 18 | 94.7% |
| Texas | 1 | 5.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 6 |
| Columbia | 2 |
| Jefferson City | 1 |
| McAllen-Edinburg-Mission | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000QW05CG8MJX447 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 691958 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38889 | 2010–2017 |
Established 13 June 1894. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Midwest Regional Bank's data.
Midwest Regional Bank's data
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Midwest Regional 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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