County · MO
Multifamily lenders in Cole County, MO
13 lenders made 58 multifamily loans in Cole County, MO in 2024 and 2025, $24.2M in all. The Central Trust Bank made the most, with 12. The typical loan was about $320K. The county is part of the Jefferson City, MO metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 13
- HMDA,
- Multifamily loans, 2024-25
- 58
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $24.2M
- HMDA,
- Typical loan
- $320K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Cole County, MO, https://lender.report/lenders-in/missouri/cole-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| The Central Trust Bank multifamily record | Bank | Jefferson City, MO | 12 | $3.52M | 8 | 4 | $320K |
| Mid America Bank multifamily record | Bank | Jefferson City, MO | 11 | $4.37M | 8 | 3 | $400K |
| Sullivan Bank multifamily record | Bank | Sullivan, MO | 9 | $3.24M | 4 | 5 | $400K |
| Hawthorn Bank multifamily record | Bank | Jefferson City, MO | 6 | $4.12M | 4 | 2 | $300K |
| Heritage Community Bank multifamily record | Bank | Union, MO | 6 | $775K | 6 | 0 | $140K |
| First State Community Bank multifamily record | Bank | Farmington, MO | 3 | $1.38M | 2 | 1 | $400K |
| The Maries County Bank multifamily record | Bank | Vienna, MO | 3 | $940K | 1 | 2 | $340K |
| Alliant Bank multifamily record | Bank | Madison, MO | 2 | $3.68M | 0 | 2 | $2.9M |
| Legends Bank multifamily record | Bank | Linn, MO | 2 | $640K | 2 | 0 | $340K |
| UMB Bank, National Association multifamily record | Bank | Kansas City, MO | 1 | $960K | 1 | 0 | $960K |
| Community Point Bank | Bank | Russellville, MO | 1 | $400K | 1 | 0 | $400K |
| Multipli Credit Union | Credit union | Jefferson City, MO | 1 | $140K | 1 | 0 | $140K |
| First Mid Bank & Trust, National Association multifamily record | Bank | Mattoon, IL | 1 | $35.0K | 0 | 1 | $35K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 56 | 13 |
| $1M to $2.5M | 0 | 0 |
| $2.5M to $5M | 2 | 2 |
| $5M to $10M | 0 | 0 |
| $10M or more | 0 | 0 |
- Lenders made 58 multifamily loans totaling $24.2M in Cole County, MO in 2024 and 2025. HMDA,
- 38 of the loans were made in 2025 and 20 in 2024. HMDA,
- The typical loan in Cole County, MO was about $320K, with the middle half between $160K and $460K. HMDA,
- 56 of the loans were under $1M, and 0 were $5M or more. HMDA,
- Lenders reported a median rate of 7.25% on 32 loans in Cole County, MO, with the middle half between 6.88% and 7.75%. HMDA,
- The median term was 3 years. HMDA,
- The median loan to value was 70%. HMDA,
- 19% of the loans were refinancings and 74% were purchases. HMDA,
- Banks and savings institutions made 57 of the loans, credit unions 1, and non-banks 0. HMDA,
- The five most active lenders made 75.9% of the loans. HMDA,
- The three most active lenders were The Central Trust Bank with 12, Mid America Bank with 11, and Sullivan Bank with 9. HMDA,
- 12 of the 13 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 55 loans. HMDA,
- Cole County, MO is part of the Jefferson City, MO metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Cole County, MO
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- 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.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
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.