# Ozarks Federal Savings and Loan Association

> **Canonical URL:** https://saferate.com/lenders/ozarks-federal-savings-and-loan-association

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Ozarks Federal Savings and Loan Association is a bank, headquartered in Farmington, MO, serving borrowers across 2 states, with 173 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300M1N0YC51QQGT24
- **Headquarters:** Farmington, MO
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, MO
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.211%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $545
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 173
- **Dollar Volume:** $51 million
- **Applications Received:** 225
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $296,676
- **Average Borrower Income:** $136,439

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 167 | +0.211% | $545 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 145 loans, Score: 39/100 (Acceptable)
- Refinance: 22 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 150 | $47M | +0.208% | Acceptable 🙂 |
| Refinance | 32/100 | 23 | $4M | +0.222% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 172 | 0.23% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 115 | 62/100 |
| St. Louis, MO | MO-IL | 55 | 65/100 |

## Frequently Asked Questions

### What loan types does Ozarks Federal Savings and Loan Association offer?

Ozarks Federal Savings and Loan Association offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Ozarks Federal Savings and Loan Association offer mortgages?

Ozarks Federal Savings and Loan Association offers mortgages in 2 states: FL, MO.

### How competitive are Ozarks Federal Savings and Loan Association's mortgage rates?

Ozarks Federal Savings and Loan Association has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.211% above market average.

### What type of lender is Ozarks Federal Savings and Loan Association?

Ozarks Federal Savings and Loan Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Farmington, MO.

### What is Ozarks Federal Savings and Loan Association's loan approval success rate?

Ozarks Federal Savings and Loan Association has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/ozarks-federal-savings-and-loan-association

### How to Cite

> "Ozarks Federal Savings and Loan Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ozarks-federal-savings-and-loan-association

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