Finance Atlas

Banking & Mortgage-Lending Access in Missouri

1,000 FDIC-insured institutions (195 currently active) are recorded in Missouri in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 20.6% in Missouri.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

1,000
FDIC institutions (total)
195
Currently active
20.6%
Overall denial rate (HMDA 2024)
130,974
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Missouri?

FDIC BankFind records 1,000 FDIC-insured institutions (all historical) in Missouri, of which 195 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 1,000
Currently active 195

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Missouri?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Missouri:

Charter class Description Count
NM State non-member bank (Fed non-member) 626
N National bank (OCC-chartered) 144
SM State member bank (Fed member) 106
SL Savings institution (state-chartered S&L) 82
SB Savings bank (state-chartered) 38
NC Non-deposit trust company 2
SI Savings institution (OTS-supervised) 2

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Missouri? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 20.6% in Missouri. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 20.6%
White applicants 19.1%
Black applicants 34.1%
Black/White denial rate ratio 1.79x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MO

Mortgage origination volume in Missouri (2024)

HMDA 2024 data record 130,974 originated mortgage loans in Missouri , totaling $30.3B , with an average loan size of $231,367.

Metric Value
Originated loans (2024) 130,974
Total origination volume $30.3B
Average loan size $231,367

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MO

Data exported June 20, 2026 · content hash 1507ea8107cbe0a9 · machine-readable brief: /finance/states/mo/context.md

Where to act