Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$2,491
median across reports
vs. National Average
61%
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 | $3,743 | 🟢 Below Avg |
| discount_points | $701 | $3,585 | 🟢 Below Avg |
| lender_credits | $125 | $1,150 | 🟢 Below Avg |
Got a Loan Estimate from Ozarks Federal Savings and Loan Association? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 183 homebuyer-submitted Closing Disclosures, Ozarks Federal Savings and Loan Association's median total closing costs are $2,491. This is about 61% below the $6,435 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.
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Average Closing Costs by State
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Aggregates from Ozarks Federal Savings and Loan Association's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
101
Median Total Costs
$3,211
−51.9% vs national ($6,680)
Median Rate
7.625%
+17.5% vs national (6.490%)
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 |
| This lender | Missouri median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,249 | $4,275 | $6,680 |
| Interest Rate | 7.625% | 6.620% | 6.490% |
| Originations in state | 100 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.