Applications / Mortgage Analytics / Lenders / Missouri / Ozarks Federal Savings and Loan Association
Farmington, MO · Savings institution · OCC · $306 million assets · 192 loans in 2025
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192
loans originated, 2025
255
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ozarks Federal Savings and Loan Association, a Missouri savings institution, is making far fewer loans than it did in 2021, while similar lenders grow.
Its originations fell 21% to 192, while similar lenders (savings institutions making between half and twice as many loans) grew 8% and the whole market 10%. It made 450 loans in 2021, and its count has fallen in every year since except 2024. Lending in just 14 counties may leave it more exposed than broader lenders to local swings in demand.
Manufactured homes made up 6.8% of its loans, against 0.6% at similar lenders, higher than at nearly nine in ten. Higher-priced loans (a rate well above the average for similar loans) were 9.2%, against 0.5%. Its manufactured-home loans, together with home improvement at 10.9% of its lending, could account for most of that difference.
Non-metro Missouri is its largest market, where it ranked 60 of 640 lenders. St. Louis, IL-MO, where it has lent since at least 1990, is its largest metro, with 0.1% of the market. Purchases made up 59.9% of its loans and refinances 24.0%.
It made no loans in majority-minority neighborhoods, against 4.8% at similar lenders. Low- and moderate-income (LMI) neighborhoods took 11.7%, against 15.9%. Its non-metro Missouri market may hold few such neighborhoods, which is one possible reason.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ozarks Federal Savings and Loan Association took 255 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.9% · Refinance 24.0% · Home improvement 10.9% · Other 5.2%
Conventional 100.0% · of 192 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 191 | 99.5% |
| Tennessee | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 76 |
| Cape Girardeau | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M1N0YC51QQGT24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1016174 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41283 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701283 | 2011–2017 |
Established 1 January 1930. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Ozarks Federal Savings and Loan Association's data.
Ozarks Federal Savings and Loan Association's data
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Ozarks Federal Savings and Loan Association and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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