OMB BANK
SPRINGFIELD, MO
OMB BANK processed 546 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 435 loans with a 5.0% denial rate. Home Purchase was the primary loan purpose. Based in SPRINGFIELD, MO. The approval rate of 79.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. OMB BANK processed 546 HMDA-reported mortgage applications in 2024, originating 435 loans and denying 27 for a denial rate of 5.0% (applicants themselves withdrew 72 files before a decision). The average loan amount was $273,095. The lender reports under LEI 549300DF7LT6VI5BQC34 from SPRINGFIELD, MO.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. OMB BANK's 79.7% origination rate tells you how often an application turned into funded money; the 5.0% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (479 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 479 | 395 | 18 | $284,687 |
| FHA | 44 | 25 | 6 | $204,545 |
| USDA | 20 | 13 | 3 | $164,500 |
| VA | 3 | 2 | 0 | $151,667 |
Top loan types — OMB BANK
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for OMB BANK (LEI: 549300DF7LT6VI5BQC34) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 340 | 271 | $280,088 |
| Refinancing | 176 | 136 | $275,455 |
| Cash-out Refinancing | 23 | 22 | $187,609 |
| Other | 7 | 6 | $155,000 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 372 | 75.3% | 5.7% |
| Joint | 7 | 42.9% | 28.6% |
| Asian | 5 | 40.0% | 60.0% |
| American Indian or Alaska Native | 2 | 50.0% | 50.0% |
| Black or African American | 2 | 50.0% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 372 | 75.0% | 6.2% |
| Joint | 8 | 50.0% | 25.0% |
| Hispanic or Latino | 6 | 66.7% | 16.7% |
Nearby Lenders in MO
Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.
Mortgage Research Center
Columbia, MO
NBKC BANK
KANSAS CITY, MO
FLAT BRANCH MORTGAGE, INC.
COLUMBIA, MO
DAS ACQUISITION COMPANY, LLC
SAINT LOUIS, MO
THE CENTRAL TRUST BANK
JEFFERSON CITY, MO
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Frequently Asked Questions
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Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.