Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$2,491
median across reports
vs. National Average
22%
below national avg
Avg Origination Charge
$1,095
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,095 | $1,786 | 🟢 Below Avg |
| discount_points | $701 | $2,054 | 🟢 Below Avg |
| lender_credits | $125 | $401 | 🟢 Below Avg |
Based on 183 homebuyer-submitted Closing Disclosures, Ozarks Federal Savings and Loan Association's median total closing costs are $2,491. This is about 22% below the $3,201 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
Spot the charges that pad lender profits.
How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
Got a Loan Estimate from Ozarks Federal Savings and Loan Association?
Upload your Loan Estimate and Fair Loan Check flags inflated fees, benchmarks your rate, and gives you a ready-to-send negotiation email — in about 60 seconds.
Compare Ozarks Federal Savings and Loan Association with another lender
See how closing costs compare side-by-side