Bank Of The Ozarks
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Bank Of The Ozarks 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bank Of The Ozarks Po Box 8811 Little Rock, AR 72231 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,478 |
| Total Mortgage Loan Application Amount | $188,523,000 |
| Average Mortgage Loan Application Amount | $114,615 |
| Highest Mortgage Loan Application Amount | $13,600,000 |
| Average Applicant Income | $72,615 |
| Highest Applicant Income | $1,265,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Bank Of The Ozarks. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bank Of The Ozarks's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Bank Of The Ozarks's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bank Of The Ozarks serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Of The Ozarks, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bank Of The Ozarks's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boone County Arkansas | 285 | $ 14,492,000 | $ 50,000 | $ 28,000 |
| Pulaski County Arkansas | 223 | $ 21,389,000 | $ 95,000 | $ 52,000 |
| Johnson County Arkansas | 213 | $ 9,393,000 | $ 44,000 | $ 43,000 |
| Newton County Arkansas | 203 | $ 8,139,000 | $ 40,000 | $ 40,000 |
| Crawford County Arkansas | 196 | $ 9,300,000 | $ 47,000 | $ 48,000 |
| Searcy County Arkansas | 190 | $ 7,388,000 | $ 38,000 | $ 31,000 |
| Franklin County Arkansas | 161 | $ 6,154,000 | $ 38,000 | $ 40,000 |
| Sebastian County Arkansas | 151 | $ 18,495,000 | $ 122,000 | $ 87,000 |
| Lonoke County Arkansas | 131 | $ 12,186,000 | $ 93,000 | $ 50,000 |
| Marion County Arkansas | 125 | $ 7,417,000 | $ 59,000 | $ 32,000 |
| Baxter County Arkansas | 112 | $ 8,617,000 | $ 76,000 | $ 28,000 |
| Pope County Arkansas | 112 | $ 9,297,000 | $ 83,000 | $ 61,000 |
| Faulkner County Arkansas | 93 | $ 17,763,000 | $ 191,000 | $ 52,000 |
| Van Buren County Arkansas | 51 | $ 2,703,000 | $ 53,000 | $ 41,000 |
| Saline County Arkansas | 46 | $ 16,106,000 | $ 350,000 | $ 50,000 |
| Logan County Arkansas | 42 | $ 1,889,000 | $ 44,000 | $ 39,000 |
| Yell County Arkansas | 21 | $ 2,242,000 | $ 106,000 | $ 79,000 |
| White County Arkansas | 17 | $ 1,102,000 | $ 64,000 | $ 63,000 |
| Garland County Arkansas | 12 | $ 2,476,000 | $ 206,000 | $ 127,000 |
| Cleburne County Arkansas | 10 | $ 1,241,000 | $ 124,000 | $ 143,000 |
| Washington County Arkansas | 10 | $ 3,571,000 | $ 357,000 | $ 90,000 |
| Bowie County Texas | 8 | $ 2,979,000 | $ 372,000 | $ 138,000 |
| Conway County Arkansas | 7 | $ 326,000 | $ 46,000 | $ 75,000 |
| Carroll County Arkansas | 6 | $ 336,000 | $ 56,000 | $ 45,000 |
| Taney County Missouri | 6 | $ 289,000 | $ 48,000 | $ 60,000 |
| Sequoyah County Oklahoma | 5 | $ 671,000 | $ 134,000 | $ 68,000 |
| Perry County Arkansas | 4 | $ 127,000 | $ 31,000 | $ 33,000 |
| Stone County Arkansas | 4 | $ 242,000 | $ 60,000 | $ 53,000 |
| Izard County Arkansas | 3 | $ 251,000 | $ 83,000 | $ 72,000 |
| Le Flore County Oklahoma | 3 | $ 39,000 | $ 13,000 | $ 45,000 |
| Grant County Arkansas | 2 | $ 115,000 | $ 57,000 | $ 47,000 |
| Hot Spring County Arkansas | 2 | $ 370,000 | $ 185,000 | $ 43,000 |
| Jackson County Arkansas | 2 | $ 89,000 | $ 44,000 | $ 24,000 |
| Jefferson County Arkansas | 2 | $ 124,000 | $ 62,000 | $ 132,000 |
| Little River County Arkansas | 2 | $ 30,000 | $ 15,000 | $ 105,000 |
| Scott County Arkansas | 2 | $ 85,000 | $ 42,000 | $ 55,000 |
| Arkansas County Arkansas | 1 | $ 58,000 | $ 58,000 | $ 60,000 |
| Benton County Arkansas | 1 | $ 170,000 | $ 170,000 | $ 11,000 |
| Craighead County Arkansas | 1 | $ 21,000 | $ 21,000 | $ 101,000 |
| Fulton County Arkansas | 1 | $ 52,000 | $ 52,000 | $ 64,000 |
| Independence County Arkansas | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Lincoln County Arkansas | 1 | $ 42,000 | $ 42,000 | $ 20,000 |
| Madison County Arkansas | 1 | $ 158,000 | $ 158,000 | $ 24,000 |
| Prairie County Arkansas | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Sevier County Arkansas | 1 | $ 29,000 | $ 29,000 | $ 49,000 |
| Greene County Missouri | 1 | $ 58,000 | $ 58,000 | $ 127,000 |
| Ozark County Missouri | 1 | $ 100,000 | $ 100,000 | $ 23,000 |
| Stone County Missouri | 1 | $ 53,000 | $ 53,000 | $ 250,000 |
| Union County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 17,000 | $ 17,000 | $ 33,000 |
| Bell County Texas | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
| Cass County Texas | 1 | $ 31,000 | $ 31,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Bank Of The Ozarks in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,274 | $87,946,000 | $123,200 | $2,700,000 | $74,000 | $1,265,000 |
| Home Purchase | 868 | $92,658,000 | $150,800 | $13,600,000 | $56,200 | $558,000 |
| Home Improvement | 336 | $7,919,000 | $40,000 | $215,000 | $97,666 | $1,069,000 |
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 | 2,258 | $135,041,000 | $59,000 | $1,203,000 | $76,400 | $1,265,000 |
| Not applicable | 123 | $47,585,000 | $571,333 | $13,600,000 | $3,666 | $232,000 |
| Black or African American | 30 | $1,604,000 | $53,000 | $228,000 | $59,000 | $621,000 |
| Hispanic | 28 | $1,386,000 | $49,000 | $271,000 | $57,000 | $176,000 |
| Not Provided | 16 | $1,164,000 | $72,000 | $340,000 | $68,000 | $440,000 |
| American Indian or Alaskan Native | 11 | $601,000 | $54,000 | $154,000 | $74,000 | $407,000 |
| Asian | 9 | $876,000 | $97,000 | $295,000 | $76,000 | $408,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $266,000 | $88,000 | $129,000 | $56,000 | $69,000 |
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) | 2,378 | $177,925,000 | $106,666 | $13,600,000 | $58,500 | $1,265,000 |
| FHA-insured (Federal Housing Administration) | 66 | $7,147,000 | $108,000 | $163,000 | $63,000 | $242,000 |
| VA-guaranteed (Veterans Administration) | 31 | $3,210,000 | $103,000 | $190,000 | $48,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $241,000 | $80,000 | $91,000 | $24,000 | $27,000 |
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 | 2,158 | $163,397,000 | $71,333 | $13,600,000 | $73,666 | $1,265,000 |
| Application Denied By Financial Institution | 226 | $16,316,000 | $167,250 | $1,920,000 | $34,000 | $440,000 |
| Application Withdrawn By Applicant | 84 | $8,105,000 | $93,000 | $334,000 | $56,500 | $225,000 |
| Application Approved But Not Accepted | 7 | $410,000 | $58,000 | $140,000 | $63,000 | $126,000 |
| File Closed For Incompleteness | 2 | $250,000 | $125,000 | $200,000 | $15,000 | $30,000 |
| Loan Purchased By The Institution | 1 | $45,000 | $45,000 | $45,000 | $381,000 | $381,000 |
| 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 | 144 | $7,333,000 | $103,333 | $562,000 | $29,333 | $440,000 |
| Debt-To-Income Ratio | 43 | $3,370,000 | $78,000 | $386,000 | $36,000 | $180,000 |
| Collateral | 16 | $1,952,000 | $122,000 | $618,000 | $41,000 | $142,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,266,000 | $363,333 | $1,920,000 | $36,666 | $125,000 |
| Employment History | 6 | $918,000 | $153,000 | $720,000 | $72,000 | $246,000 |
| Other | 5 | $235,000 | $60,000 | $82,000 | $49,000 | $71,000 |
| Unverifiable Information | 1 | $108,000 | $108,000 | $108,000 | $144,000 | $144,000 |
| 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 Bank Of The Ozarks's 2004 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 Bank Of The Ozarks'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 Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.