Applications / Mortgage Analytics / Lenders / Missouri / The Bank of Old Monroe
Old Monroe, MO · State non-member bank · FDIC · $951 million assets · 317 loans in 2025
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317
loans originated, 2025
384
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of Old Monroe is a Missouri bank anchored in the St. Louis area that grew a little faster than similar lenders in 2025, with a fifth of its loans made for home improvement.
Its loans rose 12% in 2025, to 317, against 8% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. It is still below the 470 it made in 2020, though it has grown two years running.
Home improvement made up 19.9% of its loans, about a fifth, with purchases at 52.7% and refinances at 24.9%. Every loan was conventional, with no government backing. Its typical loan was $205,000, against $175,000 at peers.
It has lent in St. Louis since 1994 and ranks 52 of 637 lenders there, with 0.4% of the market, unchanged from 2024. Guild Mortgage Company leads. Elsewhere it is a minor lender, with a share that rounds to zero in most of its other markets.
Low- and moderate-income (LMI) neighborhoods took 9.8% of its loans, against 16.6% at similar lenders and 14.2% for the bank a year earlier. Its share of loans to LMI borrowers, 23.3%, was closer to peers' 28.4%. In a lender of this size a swing of a few points can come from a handful of loans, and the mix of neighborhoods in its main markets may also play a part.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Bank of Old Monroe took 384 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.7% · Refinance 24.9% · Home improvement 19.9% · Other 2.5%
Conventional 100.0% · of 317 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 | 307 | 96.8% |
| Illinois | 4 | 1.3% |
| Indiana | 4 | 1.3% |
| Florida | 1 | 0.3% |
| Michigan | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 278 |
| Indianapolis-Carmel-Greenwood | 4 |
| Columbia | 2 |
| Jefferson City | 2 |
| Kansas City | 2 |
| Cape Coral-Fort Myers | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PKDTFIJ2XB1675 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 880855 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31655 | 1994–2017 |
Established 19 September 1906. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The Bank of Old Monroe's data.
The Bank of Old Monroe's data
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The Bank of Old Monroe 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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