Applications / Mortgage Analytics / Lenders / Missouri / The Tipton Latham Bank
Tipton, MO · National bank · OCC · $190 million assets · 21 loans in 2025
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21
loans originated, 2025
22
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Tipton Latham Bank is a very small Missouri lender, making 21 home loans in 2025, all conventional and split almost evenly between purchases and refinances.
Its loans fell 45%, to 21 from 38. Similar lenders (national banks making between half and twice as many loans) fell 16%, while the whole market grew 10%. On a book this small, a handful of borrowers makes the difference between a good year and a poor one. The bank filed no report for 2021 or 2022; those are gaps in the record, not years without lending.
Jefferson City is its largest metro market. It ranked 51st of 189 lenders there, with 0.2% of lending, down from 0.5%, a fall that may simply reflect its smaller number of loans. Flat Branch Mortgage and The Central Trust Bank lead that market.
Purchases made up 52.4% of its loans and refinances 47.6%. Its shares of lending to poorer borrowers and neighborhoods look high, but with 21 loans each share rests on a few borrowers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Tipton Latham Bank took 22 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.4% · Refinance 47.6%
Conventional 100.0% · of 21 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 | 21 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jefferson City | 10 |
| Columbia | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000SHD1NU031PX30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 984856 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124092 | 2004–2017 |
Established 29 December 1906. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Tipton Latham Bank's data.
The Tipton Latham Bank's data
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The Tipton Latham 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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