Ozarks Federal Savings and Loan Association in Missouri vs the state
8.7%Denial rate-6.41 pts vs state
10.1%Decision denial rate-8.56 pts vs state
75.2%Origination rate+12.54 pts vs state
7.50%Median rate+0.88 pts vs state
1.02Rate spread (pts)+0.67 pts vs state
$111kMedian applicant income
191Loans originated
22Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 296 | 239 | 6.8% | 6.38% | #113 |
| 2024 | 315 | 243 | 7.0% | 6.75% | #123 |
| 2025 | 254 | 191 | 8.7% | 7.50% | #155 |
What Ozarks Federal Savings and Loan Association lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Ozarks Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Francois County | 101 | 66 | 14 | 13.9% |
| Jefferson County | 84 | 69 | 5 | 6.0% |
| Iron County | 24 | 21 | 0 | 0.0% |
| Ste. Genevieve County | 15 | 9 | 3 | 20.0% |
| Washington County | 9 | 7 | 0 | 0.0% |
| St. Louis County | 6 | 6 | 0 | 0.0% |
| Reynolds County | 5 | 5 | 0 | 0.0% |
| Madison County | 3 | 3 | 0 | 0.0% |
| Cape Girardeau County | 2 | 1 | 0 | 0.0% |
| Camden County | 2 | 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: 254 applications in 2025, of which 191 were originated and 22 denied.
8.7% of all applications, or 10.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Ozarks Federal Savings and Loan Association originated in Missouri in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Ozarks Federal Savings and Loan Association'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