Applications / Mortgage Analytics / Lenders / Missouri / Sullivan Bank
Sullivan, MO · State non-member bank · FDIC · $1.3 billion assets · 458 loans in 2025
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458
loans originated, 2025
493
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sullivan Bank, a Missouri community bank that has reported since 1990, makes about a third of its home loans in poorer neighborhoods, double the share of similar banks.
In 2025, 32.5% of its loans went to low- and moderate-income (LMI) neighborhoods, against 15.9% at the typical similar lender (state non-member banks making between half and twice as many loans). That is a higher share than nearly all of them. Five years earlier it was 18.5%. Its share of loans to LMI borrowers, 31.1%, is also above its peers' 27.8%.
It made 458 loans, up 17% on 2024, while similar lenders grew 9% and the whole market 10%. Purchases made up 57.9% of its lending and refinancing 36.5%. Nearly all its loans are conventional, though 1.5% are guaranteed by the Department of Agriculture's Rural Housing Service (RHS), where the typical peer makes none.
Its share of the Jefferson City market rose from 0.6% to 1.1%, placing it 15th of 189 lenders. Around Springfield it slipped from 1.4% to 1.0%; stronger competition from larger lenders such as Flat Branch Mortgage, the market's leader, is one possible reason, a shift of its own lending to other markets another. In St. Louis, where it has lent since 1990, its share held at 0.4%.
It denied 2.8% of first-lien home-purchase applications on owner-occupied homes, a lower rate than about three in four similar lenders, whose typical rate was 4.8%. Its refinance applications were too few for a rate to be given.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sullivan Bank took 493 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.9% · Refinance 36.5% · Home improvement 2.8% · Other 2.8%
Conventional 98.0% · USDA (RHS or FSA) 1.5% · FHA 0.4% · of 458 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 | 450 | 98.3% |
| Kansas | 3 | 0.7% |
| Florida | 2 | 0.4% |
| Texas | 2 | 0.4% |
| California | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 209 |
| Springfield | 82 |
| Jefferson City | 33 |
| Columbia | 5 |
| Kansas City | 4 |
| Austin-Round Rock-San Marcos | 1 |
| Cape Coral-Fort Myers | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Sacramento-Roseville-Folsom | 1 |
| Topeka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MK77IBUMJBI791 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 436953 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38892 | 1990–2017 |
Established 1 April 1895. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sullivan Bank's data.
Sullivan Bank's data
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Sullivan 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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