Applications / Mortgage Analytics / Lenders / Missouri / Wood & Huston Bank
Marshall, MO · State non-member bank · FDIC · $1.3 billion assets · 253 loans in 2025
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253
loans originated, 2025
286
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wood & Huston Bank, a Marshall, Missouri, bank, makes small conventional loans across non-metro Missouri, and a growing share of them in poorer neighborhoods.
Its typical loan was $145,000, against $175,000 at similar lenders, banks of the same type making between half and twice as many loans. All its loans were conventional. Home improvement made up 7.5% of them, beside purchases at 58.9% and refinances at 31.6%.
It made 18.6% of its loans in low- and moderate-income (LMI) neighborhoods, up from 10.5% five years before and a little above similar lenders' 17.2%. Its share of LMI borrowers, 31.1%, was also above their 28.1%.
Only 0.8% of its loans were in majority-minority neighborhoods, against 6.6% at similar lenders. Its biggest market is non-metro Missouri, and the neighborhoods of its markets may explain much of the gap.
Its loans rose 8% to 253, close to the 9% of similar lenders, though well below the 616 of 2020. It has lent in Kansas City, Cape Girardeau and Columbia since 2000. In Cape Girardeau it ranked 14 of 157 with 2.3% of lending, its highest share among its main markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wood & Huston Bank took 286 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.9% · Refinance 31.6% · Home improvement 7.5% · Other 2.0%
Conventional 100.0% · of 253 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 | 252 | 99.6% |
| Kentucky | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 51 |
| Cape Girardeau | 45 |
| Springfield | 11 |
| Columbia | 8 |
| Jefferson City | 5 |
| Paducah | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MU6FQRPD7FPQ11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 671558 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31060 | 1995–2017 |
Established 12 February 1874. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Wood & Huston Bank's data.
Wood & Huston Bank's data
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