Ozarks Federal Savings and Loan Association
Ozarks Federal Savings and Loan Association received 255 applications in 2025 and made 192 mortgages, in 14 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $185,000. Of 218 decisions, 22 were denials — 10.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300M1N0YC51QQGT24 |
|---|---|
| Applications received | 255 |
| Mortgages made | 192 |
| Denied | 22 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 37 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.0215 points |
| FDIC-insured bank | Yes: Ozarks Federal Savings and Loan Association, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 115 | 7.625% | $255,000 | 9.9% |
| Refinancing | 43 | 6.750% | $125,000 | 12.2% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 31 | 7.875% | $75,000 | 6.1% |
Where Ozarks Federal Savings and Loan Association lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, MO | 69 | 7.500% | 6.8% |
| St. Francois County, MO | 66 | 7.375% | 17.1% |
| Iron County, MO | 21 | 7.750% | 0.0% |
| Ste. Genevieve County, MO | 9 | Under 10 loans | 25.0% |
| Washington County, MO | 7 | Under 10 loans | 0.0% |
| St. Louis County, MO | 6 | Under 10 loans | 0.0% |
| Reynolds County, MO | 5 | Under 10 loans | 0.0% |
| Madison County, MO | 3 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Cape Girardeau County, MO | 1 | Under 10 loans | 0.0% |
| St. Charles County, MO | 1 | Under 10 loans | 0.0% |
| Scott County, MO | 1 | Under 10 loans | 0.0% |
| Wayne County, MO | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.