Applications / Mortgage Analytics / Lenders / Missouri / First Midwest Bank of the Ozarks
Poplar Bluff, MO · State non-member bank · FDIC · $740 million assets · 264 loans in 2025
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264
loans originated, 2025
297
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Midwest Bank of the Ozarks lends more heavily in poorer neighborhoods than almost any similar bank, and its loans rose 23% in 2025.
Low- and moderate-income (LMI) neighborhoods took 34.8% of its loans, against 17.2% at similar lenders, state non-member banks making between half and twice as many loans. That is more than at nine in ten of them. Its share of LMI borrowers, 26.0%, was near the middle.
Its loans rose 23%, from 215 to 264. Similar lenders grew 8%, and the whole market 10%, so it grew faster than about three in four peers. It is still below the 320 loans it made in 2020.
Its typical loan was $105,000, against $175,000 at similar lenders, smaller than at about nine in ten. Manufactured homes made up 9.8% of its lending, against 2.5% at peers, which may explain part of the gap. Purchases were 54.5% of its loans, and all were conventional.
Its biggest market is non-metro Missouri, where it ranked 32 of 640 lenders. In Columbia, MO it ranked 26 of 268, but its share fell to 0.7% from 1.1%. Since its total count rose, its extra loans may have come mainly from its other 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Midwest Bank of the Ozarks took 297 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.5% · Refinance 33.3% · Home improvement 10.6% · Other 1.5%
Conventional 100.0% · of 264 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 | 260 | 98.5% |
| Florida | 1 | 0.4% |
| Mississippi | 1 | 0.4% |
| North Carolina | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 41 |
| St. Louis | 3 |
| Clarksville | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Greensboro-High Point | 1 |
| Memphis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TSIYX9RDYWC806 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 228158 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319212 | 2011–2017 |
Established 29 August 1964. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: First Midwest Bank of the Ozarks's data.
First Midwest Bank of the Ozarks's data
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First Midwest Bank of the Ozarks and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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