Applications / Mortgage Analytics / Lenders / Missouri / The Callaway Bank
Fulton, MO · State member bank · FRS · $498 million assets · 138 loans in 2025
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138
loans originated, 2025
165
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Callaway Bank, a Missouri lender, grew its home lending by 30% in 2025, and more of its loans now go to poorer neighborhoods than at most of its peers.
Its loans rose 30% to 138, against 8% for similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market. That was faster than about four in five of them. Its dollar volume rose from $23.7 million to $33.7 million.
Of its loans, 29.7% went to homes in low- and moderate-income (LMI) tracts, against 16.5% at similar lenders, more than at about four in five of them. Five years before, the share was 9.8%. Its share of loans to LMI borrowers, 27.9%, is close to its peers' 27.3%.
Its typical loan, $205,000, is larger than the $175,000 of similar lenders, yet it made no jumbo loans (those above the conforming limit). Purchases make up 55.8% of its lending and refinances 42.8%. Every loan it made was conventional.
It has lent in Jefferson City and Columbia, MO, since 2000. In Jefferson City it ranks 12 of 189 lenders, with 1.5% of lending; Flat Branch Mortgage and The Central Trust Bank lead there. In Columbia it ranks 25 of 268, behind Wells Fargo Bank. It added St. Joseph in 2023, where its share is still small.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Callaway Bank took 165 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.8% · Refinance 42.8% · Home improvement 1.4%
Conventional 100.0% · of 138 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 | 138 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jefferson City | 54 |
| Columbia | 53 |
| Kansas City | 3 |
| St. Joseph | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900H0KR1EP2IS0Y73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 719656 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2719656 | 2000–2017 |
Established 1 January 1857. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: The Callaway Bank's data.
The Callaway Bank's data
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The Callaway 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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