Ozarks Federal Savings and Loan Mortgage Lending & HMDA Data, 2016
In 2016, Ozarks Federal Savings and Loan of Farmington, MO reported 504 mortgage applications totaling $73.4 million, up 3% from 2015. The average application was for $145,684, and applicants reported an average income of $71,557. 76% of its applications resulted in an originated loan and 11% were denied. Its largest markets were St. Louis, MO-IL (122), Columbia, MO (9) and Jefferson City, MO (1) (applications in parentheses).
| Mortgage Company & Address | Ozarks Federal Savings and Loan 2 E. Columbia St. Farmington, MO 63640 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 504 |
| Total Mortgage Loan Application Amount | $73,425,000 |
| Average Mortgage Loan Application Amount | $145,684 |
| Highest Mortgage Loan Application Amount | $2,036,000 |
| Average Applicant Income | $71,557 |
| Highest Applicant Income | $715,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ozarks Federal Savings and Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Ozarks Federal Savings and Loan in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 257 | $42,767,000 | $166,000 | $2,036,000 | $72,000 | $715,000 |
| Refinancing | 140 | $17,357,000 | $123,000 | $620,000 | $62,000 | $233,000 |
| Home Improvement | 107 | $13,301,000 | $124,000 | $950,000 | $83,000 | $518,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 433 | $61,355,000 | $141,000 | $784,000 | $74,000 | $398,000 |
| Not applicable | 39 | $7,591,000 | $194,000 | $2,036,000 | $0 | $0 |
| Not Provided | 23 | $2,543,000 | $110,000 | $358,000 | $106,000 | $715,000 |
| Hispanic | 3 | $342,000 | $114,000 | $190,000 | $176,000 | $365,000 |
| American Indian or Alaskan Native | 2 | $146,000 | $73,000 | $73,000 | $56,000 | $90,000 |
| Asian | 2 | $1,098,000 | $549,000 | $950,000 | $313,000 | $518,000 |
| Black or African American | 1 | $230,000 | $230,000 | $230,000 | $85,000 | $85,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $120,000 | $120,000 | $120,000 | $35,000 | $35,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 494 | $72,497,000 | $146,000 | $2,036,000 | $72,000 | $715,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $928,000 | $92,000 | $149,000 | $42,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 384 | $56,869,000 | $148,000 | $2,036,000 | $77,000 | $715,000 |
| Application Denied By Financial Institution | 53 | $6,381,000 | $120,000 | $355,000 | $51,000 | $158,000 |
| Application Withdrawn By Applicant | 37 | $5,909,000 | $159,000 | $432,000 | $72,000 | $301,000 |
| Loan Purchased By The Institution | 12 | $2,492,000 | $207,000 | $386,000 | $0 | $0 |
| Application Approved But Not Accepted | 10 | $924,000 | $92,000 | $369,000 | $62,000 | $137,000 |
| File Closed For Incompleteness | 8 | $850,000 | $106,000 | $306,000 | $63,000 | $147,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 19 | $1,535,000 | $80,000 | $198,000 | $57,000 | $106,000 |
| Debt-To-Income Ratio | 18 | $2,746,000 | $152,000 | $322,000 | $38,000 | $91,000 |
| Collateral | 12 | $1,422,000 | $118,000 | $268,000 | $64,000 | $158,000 |
| Other | 2 | $441,000 | $220,000 | $355,000 | $28,000 | $56,000 |
| Unverifiable Information | 1 | $130,000 | $130,000 | $130,000 | $71,000 | $71,000 |
| Employment History | 1 | $107,000 | $107,000 | $107,000 | $50,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ozarks Federal Savings and Loan's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ozarks Federal Savings and Loan's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About