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 score and performance metrics.

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 an overall pricing score of 34.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

Ozarks Federal Savings and Loan Association is a Bank headquartered in Farmington, MO.

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Ozarks Federal Savings and Loan Association

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Ozarks Federal Savings and Loan Association has 173 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Ozarks Federal Savings and Loan Association performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+21.1 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

167 loans · 0.21% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

150 loans · 0.21% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

23 loans · 0.22% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	167	96.5%	+0.211%Above	$545Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume167

Mix96.5%

Spread

+0.211%Above

Fees

$545Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	150	86.7%	+0.208%Above	$523Fees
Refinance	Acceptable	Acceptable	Mediocre	Sound	23	13.3%	+0.222%Above	$618Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume150

Mix86.7%

Spread

+0.208%Above

Fees

$523Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume23

Mix13.3%

Spread

+0.222%Above

Fees

$618Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

173

Applications

225

Volume

$51 million

Pricing & Closing

Avg Rate Spread

+0.211%

vs. market APOR

Avg Net Fees

$545

Origination − Credits

Pullthrough Rate

76.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$296,676

Avg Borrower Income

$136,439

Avg Property Value

$406,221

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

South1

Top Metro Areas by Place Specialization Score

St. Louis, MO, MO-ILMetro

Volume 55Mix 31.79% of portfolio

65/100

Strong

Top States by Place Specialization Score

MissouriState

Volume 172Mix 99.42% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.