First Midwest Bank of the Ozarks in Missouri vs the state
3.8%Denial rate-11.32 pts vs state
3.9%Decision denial rate-14.76 pts vs state
88.7%Origination rate+26.08 pts vs state
—Median rate
—Rate spread (pts)
$98kMedian applicant income
260Loans originated
11Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 290 | 243 | 6.6% | — | #115 |
| 2024 | 249 | 213 | 7.6% | — | #141 |
| 2025 | 293 | 260 | 3.8% | — | #139 |
What First Midwest Bank of the Ozarks lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most First Midwest Bank of the Ozarks applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butler County | 150 | 136 | 3 | 2.0% |
| Wayne County | 44 | 37 | 4 | 9.1% |
| Boone County | 43 | 40 | 2 | 4.7% |
| Carter County | 18 | 14 | 2 | 11.1% |
| Ripley County | 14 | 13 | 0 | 0.0% |
| Stoddard County | 12 | 10 | 0 | 0.0% |
| St. Louis County | 3 | 2 | 0 | 0.0% |
| Reynolds County | 3 | 3 | 0 | 0.0% |
| Iron County | 1 | 1 | 0 | 0.0% |
| Randolph County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 293 applications in 2025, of which 260 were originated and 11 denied.
3.8% of all applications, or 3.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Midwest Bank of the Ozarks's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology