Metro area · MO
Lenders in Jefferson City, MO
20 lenders made 91 multifamily loans in the Jefferson City, MO metro area in 2024 and 2025, $54.7M in all. The Central Trust Bank made the most, with 14. The typical loan was about $320K.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 20
- HMDA,
- Multifamily loans, 2024-25
- 91
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $54.7M
- HMDA,
- Typical loan
- $320K
- HMDA,
Cite this
Source: The Lender Report, Lenders in Jefferson City, MO, https://lender.report/lenders-in/jefferson-city-mo/, data as of December 31, 2025.
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This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| The Central Trust Bank multifamily record | Bank | Jefferson City, MO | 14 | $5.79M | 9 | 5 |
| Legends Bank multifamily record | Bank | Linn, MO | 11 | $11.9M | 6 | 5 |
| Mid America Bank multifamily record | Bank | Jefferson City, MO | 11 | $4.37M | 8 | 3 |
| Sullivan Bank multifamily record | Bank | Sullivan, MO | 9 | $3.24M | 4 | 5 |
| Hawthorn Bank multifamily record | Bank | Jefferson City, MO | 7 | $4.16M | 5 | 2 |
| Heritage Community Bank multifamily record | Bank | Union, MO | 7 | $1.22M | 7 | 0 |
| The Maries County Bank multifamily record | Bank | Vienna, MO | 6 | $2.00M | 2 | 4 |
| First State Community Bank multifamily record | Bank | Farmington, MO | 5 | $4.38M | 2 | 3 |
| Wood & Huston Bank multifamily record | Bank | Marshall, MO | 5 | $1.52M | 3 | 2 |
| Alliant Bank multifamily record | Bank | Madison, MO | 3 | $4.44M | 0 | 3 |
| Exchange Bank of Missouri multifamily record | Bank | Fayette, MO | 3 | $760K | 3 | 0 |
| First Mid Bank & Trust, National Association multifamily record | Bank | Mattoon, IL | 2 | $195K | 0 | 2 |
| Verimore Bank multifamily record | Bank | Brookfield, MO | 1 | $7.70M | 1 | 0 |
| UMB Bank, National Association multifamily record | Bank | Kansas City, MO | 1 | $960K | 1 | 0 |
| United Security Bank | Bank | Fulton, MO | 1 | $680K | 0 | 1 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Cole County, MO | 58 | $24.2M | 13 |
| Callaway County, MO | 17 | $16.3M | 10 |
| Osage County, MO | 12 | $12.6M | 4 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 83 |
| $1M to $2.5M | 3 |
| $2.5M to $5M | 3 |
| $5M to $10M | 2 |
| $10M or more | 0 |
- Lenders made 91 multifamily loans totaling $54.7M in Jefferson City, MO in 2024 and 2025. HMDA,
- 55 of the loans were made in 2025 and 36 in 2024. HMDA,
- The typical loan in Jefferson City, MO was about $320K, with the middle half between $160K and $480K. HMDA,
- 83 of the loans were under $1M, and 2 were $5M or more. HMDA,
- Lenders reported a median rate of 7.25% on 39 loans in Jefferson City, MO, with the middle half between 6.75% and 7.75%. HMDA,
- The median term was 3 years. HMDA,
- The median loan to value was 68%. HMDA,
- 24% of the loans were refinancings and 66% were purchases. HMDA,
- Banks and savings institutions made 90 of the loans, credit unions 1, and non-banks 0. HMDA,
- The five most active lenders made 57.1% of the loans. HMDA,
- The three most active lenders were The Central Trust Bank with 14, Legends Bank with 11, and Mid America Bank with 11. HMDA,
- 19 of the 20 lenders are based in Missouri. The rest are based elsewhere, most often in Illinois. HMDA,
- The most common property size was 5 to 24 units, with 78 loans. HMDA,
- 3 counties in the metro area have loans on record, and Cole County, MO has the most, with 58. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the Jefferson City, MO metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.