Applications / Mortgage Analytics / Lenders / Missouri / OMB Bank
Springfield, MO · State member bank · FRS · $2.1 billion assets · 461 loans in 2025
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461
loans originated, 2025
556
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
OMB Bank has more than doubled its lending since 2020, to 461 loans in 2025, and is a top-ten lender in Springfield, MO and Joplin, KS-MO.
Loans insured by the Federal Housing Administration (FHA) made up 8.2% of its lending. Another 1.3% were guaranteed by the Department of Veterans Affairs (VA), and 1.3% by the Department of Agriculture's Rural Housing Service (RHS). The typical similar lender, a state member bank making between half and twice as many loans, made none of any. Purchases were 61.8% of its loans.
Low- and moderate-income (LMI) borrowers took 39.5% of its loans, against 28.2% at similar lenders, more than at nearly nine in ten. LMI neighborhoods took 22.8%, against 16.9%. It turned down 3.6% of home-purchase applications, against 7.3% at peers.
It made 461 loans in 2025, up from 435 in 2024 and 217 in 2020. The latest rise, 6%, was close to the 7% at similar lenders and below the 10% of the whole market.
In Springfield, MO it ranked 9 of 351 lenders, with 2.8% of the market, up 0.2 points. In Joplin, KS-MO it ranked 8 of 219, with 2.1%, unchanged. Majority-minority neighborhoods took 3.0% of its loans, against 7.9% at peers, which may reflect the Missouri markets it serves.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. OMB Bank took 556 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.8% · Refinance 36.2% · Other 1.3% · Home improvement 0.7%
Conventional 89.2% · FHA 8.2% · USDA (RHS or FSA) 1.3% · VA 1.3% · of 461 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 | 430 | 93.3% |
| Kansas | 14 | 3.0% |
| Oklahoma | 7 | 1.5% |
| Arkansas | 4 | 0.9% |
| Florida | 4 | 0.9% |
| Colorado | 1 | 0.2% |
| Texas | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 245 |
| Joplin | 81 |
| Kansas City | 11 |
| Tulsa | 7 |
| Fayetteville-Springdale-Rogers | 3 |
| Cape Coral-Fort Myers | 2 |
| Fort Worth-Arlington-Grapevine | 1 |
| Manhattan | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DF7LT6VI5BQC34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2785646 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123881 | 2002–2007 |
| Respondent ID (the HMDA filer code before 2018) | 22785646 | 2008–2017 |
Established 13 April 1883. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: OMB Bank's data.
OMB Bank's data
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