Purchase Originations
101
Median Total Costs
$3,211
−51.9% vs national ($6,680)
↑ $193 vs prior year
Median Rate
7.625%
+17.5% vs national (6.490%)
↑ 0.875% vs prior year
Median Origination
$570
Median Lender Credits
$69
Denial Rate
8.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 101 | 7.625% | $3,211 | $570 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,049 | 7.312% | — | 8 | −$1,162 | |
| 2 | $2,182 | 6.750% | — | 1 | −$1,029 | |
| 3 | $2,231 | 5.125% | — | 1 | −$980 | |
| 4 | $2,338 | 7.500% | — | 2 | −$873 | |
| 5 | $2,463 | 6.750% | — | 1 | −$748 | |
| 6 | $2,709 | 6.938% | — | 4 | −$502 | |
| 7 | $2,767 | 7.812% | — | 2 | −$444 | |
| 8 | $2,799 | 8.000% | — | 1 | −$412 | |
| 9 | $3,055 | 7.625% | — | 33 | −$156 | |
| 10 | $3,925 | 7.750% | — | 4 | +$714 | |
| 11 | $4,234 | 7.625% | — | 43 | +$1,023 | |
| 12 | $5,025 | 7.750% | — | 1 | +$1,814 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Ozarks Federal Savings and Loan Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,211 | $7,127 | −$3,916 (−54.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.