First Midwest Bank of the Ozarks Mortgage Lending & HMDA Data, 2024
In 2024, First Midwest Bank of the Ozarks of Poplar Bluff, MO reported 251 mortgage applications totaling $39.9 million, down 15% from 2023. The average application was for $158,904, and applicants reported an average income of $119,223. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Columbia, MO (25), St. Louis, MO-IL (7) and Cape Girardeau, MO-IL (3) (applications in parentheses).
| Mortgage Company & Address | First Midwest Bank of the Ozarks P.O. Box 160, 704-706 North Westwood Blvd Poplar Bluff, MO 63901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 251 |
| Total Mortgage Loan Application Amount | $39,885,000 |
| Average Mortgage Loan Application Amount | $158,904 |
| Highest Mortgage Loan Application Amount | $2,685,000 |
| Average Applicant Income | $119,223 |
| Highest Applicant Income | $804,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Midwest Bank of the Ozarks filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Butler, Missouri | 129 | $ 15,675,000 | $ 121,511 | $ 135,000 |
| Wayne, Missouri | 42 | $ 2,530,000 | $ 60,238 | $ 51,000 |
| Boone, Missouri | 23 | $ 10,785,000 | $ 468,913 | $ 190,000 |
| Carter, Missouri | 13 | $ 1,765,000 | $ 135,769 | $ 101,000 |
| Ripley, Missouri | 13 | $ 1,985,000 | $ 152,692 | $ 118,000 |
| Iron, Missouri | 5 | $ 415,000 | $ 83,000 | $ 118,000 |
| Stoddard, Missouri | 5 | $ 535,000 | $ 107,000 | $ 111,000 |
| St. Louis City, Missouri | 3 | $ 855,000 | $ 285,000 | $ 255,000 |
| Bollinger, Missouri | 2 | $ 140,000 | $ 70,000 | $ 61,000 |
| Dunklin, Missouri | 2 | $ 210,000 | $ 105,000 | $ 68,000 |
| Howard, Missouri | 2 | $ 2,220,000 | $ 1,110,000 | $ 219,000 |
| Madison, Missouri | 2 | $ 170,000 | $ 85,000 | $ 24,000 |
| St. Charles, Missouri | 2 | $ 380,000 | $ 190,000 | $ 104,000 |
| St. Louis, Missouri | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Taney, Missouri | 2 | $ 530,000 | $ 265,000 | $ 492,000 |
| Clay, Arkansas | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Cook, Illinois | 1 | $ 635,000 | $ 635,000 | $ 219,000 |
| Cape Girardeau, Missouri | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Reynolds, Missouri | 1 | $ 145,000 | $ 145,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for First Midwest Bank of the Ozarks in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 174 | $27,620,000 | $158,000 | $2,685,000 | $120,000 | $804,000 |
| Cash-out Refinancing | 36 | $6,690,000 | $185,000 | $2,135,000 | $90,000 | $270,000 |
| Home Improvement | 19 | $1,775,000 | $93,000 | $405,000 | $131,000 | $804,000 |
| Refinancing | 13 | $3,315,000 | $255,000 | $545,000 | $199,000 | $804,000 |
| Other Purpose | 9 | $485,000 | $53,000 | $105,000 | $81,000 | $154,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 172 | $23,470,000 | $136,000 | $1,245,000 | $120,000 | $804,000 |
| Not applicable | 72 | $15,200,000 | $211,000 | $2,685,000 | $0 | $0 |
| Black or African American | 3 | $365,000 | $121,000 | $225,000 | $50,000 | $91,000 |
| Hispanic | 3 | $215,000 | $71,000 | $105,000 | $63,000 | $115,000 |
| Asian | 1 | $635,000 | $635,000 | $635,000 | $219,000 | $219,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 251 | $39,885,000 | $158,000 | $2,685,000 | $118,000 | $804,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 215 | $34,215,000 | $159,000 | $2,685,000 | $125,000 | $804,000 |
| Application Denied By Financial Institution | 19 | $2,865,000 | $150,000 | $445,000 | $68,000 | $180,000 |
| Application Withdrawn By Applicant | 17 | $2,805,000 | $165,000 | $1,245,000 | $100,000 | $475,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 243 | $38,875,000 | $159,000 | $2,685,000 | $115,000 | $804,000 |
| Not applicable | 8 | $1,010,000 | $126,000 | $325,000 | $184,000 | $492,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Midwest Bank of the Ozarks's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Midwest Bank of the Ozarks's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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