HomePride Bank on Your Credit Report
In short: HomePride Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Mansfield, Missouri. Certificate 11466 was issued against a charter dating to March 3, 1892, a nineteenth-century charter that predates every federal credit-reporting statute. As of the 06/30/2026 call report, HomePride Bank held $125 million in assets and operated 5 FDIC-reported offices. Because HomePride Bank originates these accounts rather than buying them, it is the furnisher of record — you can dispute through §623 directly or §611 via the bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who HomePride Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
HomePride Bank carries FDIC certificate 11466, operates 5 FDIC-reported offices and reported $125 million in assets on its most recent call report in Mansfield, Missouri.
How HomePride Bank appears on your credit report
HomePride Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a Missouri charter and 5 FDIC-reported offices, HomePride Bank adjudicates these disputes internally. Send it in writing, identify precisely which field is wrong, and run the §611 bureau dispute in parallel. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 5 Missouri locations
- ◆Residential mortgage and home-equity lending in and around Mansfield
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a HomePride Bank entry
Each of these is a reason a HomePride Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Mansfield office on time but posted to the next cycle
- ◆Balance not updated to zero after HomePride Bank completed the payoff
- ◆Single HomePride Bank account reporting twice following a data migration
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
HomePride Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, HomePride Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send HomePride Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
HomePride Bank questions, answered
Is HomePride Bank FDIC-insured, and what is its certificate number?
Certificate 11466 is the FDIC record for HomePride Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Mansfield, MO, with a charter dating to March 3, 1892; the 06/30/2026 call report shows $125 million in assets and 5 offices.
Which regulator oversees HomePride Bank?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever HomePride Bank tells you.
Does the CFPB complaint database list HomePride Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched HomePride Bank exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
What is the reporting limit on a HomePride Bank account?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the HomePride Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Is it better to go to HomePride Bank or to the collector?
HomePride Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to HomePride Bank puts the question to the party that can actually check it against source documents.
Does HomePride Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so HomePride Bank — 5 offices in Missouri — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
Why does one HomePride Bank account appear twice on my report?
Duplicates of this kind usually trace to a data migration. With a charter running back to 1892, HomePride Bank has likely changed core processors at least once, and old and new records can both survive. A predecessor name is acceptable; two live balances for one debt is not — dispute it and cite both entries.
Do I need to hire someone to dispute a HomePride Bank entry?
Yes. Both the §611 bureau dispute and the §623 direct dispute to HomePride Bank are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Does it matter that HomePride Bank is based in Mansfield?
HomePride Bank is based in Mansfield, Missouri and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by HomePride Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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