Bank Of The Ozarks
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Bank Of The Ozarks 2012 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 | 2,217 |
| Total Mortgage Loan Application Amount | $388,847,000 |
| Average Mortgage Loan Application Amount | $139,333 |
| Highest Mortgage Loan Application Amount | $18,388,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $1,441,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pulaski County Arkansas | 366 | $ 71,207,000 | $ 194,000 | $ 102,000 |
| Faulkner County Arkansas | 156 | $ 29,791,000 | $ 190,000 | $ 78,000 |
| Saline County Arkansas | 150 | $ 24,109,000 | $ 160,000 | $ 72,000 |
| Benton County Arkansas | 138 | $ 22,108,000 | $ 160,000 | $ 100,000 |
| Collin County Texas | 120 | $ 24,198,000 | $ 201,000 | $ 126,000 |
| Denton County Texas | 107 | $ 24,671,000 | $ 230,000 | $ 112,000 |
| Crawford County Arkansas | 75 | $ 7,729,000 | $ 103,000 | $ 74,000 |
| Lonoke County Arkansas | 74 | $ 11,712,000 | $ 158,000 | $ 80,000 |
| Pope County Arkansas | 69 | $ 8,653,000 | $ 125,000 | $ 57,000 |
| Tarrant County Texas | 64 | $ 11,689,000 | $ 182,000 | $ 104,000 |
| Washington County Arkansas | 62 | $ 13,083,000 | $ 211,000 | $ 83,000 |
| Sebastian County Arkansas | 55 | $ 7,107,000 | $ 129,000 | $ 80,000 |
| Boone County Arkansas | 44 | $ 2,421,000 | $ 55,000 | $ 52,000 |
| Franklin County Arkansas | 42 | $ 2,204,000 | $ 52,000 | $ 62,000 |
| Johnson County Arkansas | 41 | $ 2,382,000 | $ 58,000 | $ 53,000 |
| Bowie County Texas | 38 | $ 5,143,000 | $ 135,000 | $ 135,000 |
| Garland County Arkansas | 37 | $ 5,196,000 | $ 140,000 | $ 94,000 |
| Miller County Arkansas | 36 | $ 4,779,000 | $ 132,000 | $ 82,000 |
| Newton County Arkansas | 35 | $ 1,102,000 | $ 31,000 | $ 34,000 |
| Baxter County Arkansas | 32 | $ 3,969,000 | $ 124,000 | $ 80,000 |
| Glynn County Georgia | 32 | $ 5,060,000 | $ 158,000 | $ 85,000 |
| Van Buren County Arkansas | 26 | $ 2,693,000 | $ 103,000 | $ 57,000 |
| Decatur County Georgia | 26 | $ 1,713,000 | $ 65,000 | $ 61,000 |
| Dallas County Texas | 25 | $ 4,969,000 | $ 198,000 | $ 101,000 |
| Bartow County Georgia | 20 | $ 1,872,000 | $ 93,000 | $ 55,000 |
| Lowndes County Georgia | 20 | $ 2,714,000 | $ 135,000 | $ 56,000 |
| Marion County Arkansas | 19 | $ 1,198,000 | $ 63,000 | $ 34,000 |
| Searcy County Arkansas | 19 | $ 916,000 | $ 48,000 | $ 53,000 |
| Logan County Arkansas | 12 | $ 781,000 | $ 65,000 | $ 43,000 |
| Grady County Georgia | 11 | $ 854,000 | $ 77,000 | $ 43,000 |
| McLennan County Texas | 9 | $ 1,373,000 | $ 152,000 | $ 101,000 |
| Chatham County Georgia | 8 | $ 1,557,000 | $ 194,000 | $ 135,000 |
| Gordon County Georgia | 8 | $ 720,000 | $ 90,000 | $ 73,000 |
| Mobile County Alabama | 7 | $ 374,000 | $ 53,000 | $ 54,000 |
| Cleburne County Arkansas | 7 | $ 1,448,000 | $ 206,000 | $ 97,000 |
| Conway County Arkansas | 7 | $ 755,000 | $ 107,000 | $ 105,000 |
| Yell County Arkansas | 7 | $ 914,000 | $ 130,000 | $ 63,000 |
| Forsyth County Georgia | 7 | $ 1,110,000 | $ 158,000 | $ 66,000 |
| Carroll County Arkansas | 6 | $ 661,000 | $ 110,000 | $ 116,000 |
| Perry County Arkansas | 6 | $ 813,000 | $ 135,000 | $ 62,000 |
| Hot Spring County Arkansas | 5 | $ 638,000 | $ 127,000 | $ 88,000 |
| Floyd County Georgia | 5 | $ 626,000 | $ 125,000 | $ 86,000 |
| Manatee County Florida | 4 | $ 677,000 | $ 169,000 | $ 216,000 |
| Camden County Georgia | 4 | $ 651,000 | $ 162,000 | $ 41,000 |
| Coweta County Georgia | 4 | $ 179,000 | $ 44,000 | $ 59,000 |
| Fulton County Georgia | 4 | $ 3,193,000 | $ 798,000 | $ 110,000 |
| Gwinnett County Georgia | 4 | $ 3,014,000 | $ 753,000 | $ 54,000 |
| Le Flore County Oklahoma | 4 | $ 455,000 | $ 113,000 | $ 93,000 |
| Arkansas County Arkansas | 3 | $ 521,000 | $ 173,000 | $ 83,000 |
| Clark County Arkansas | 3 | $ 191,000 | $ 63,000 | $ 42,000 |
| White County Arkansas | 3 | $ 393,000 | $ 131,000 | $ 66,000 |
| Marion County Florida | 3 | $ 356,000 | $ 118,000 | $ 99,000 |
| Oconee County Georgia | 3 | $ 462,000 | $ 154,000 | $ 66,000 |
| Ozark County Missouri | 3 | $ 366,000 | $ 122,000 | $ 39,000 |
| Mecklenburg County North Carolina | 3 | $ 1,187,000 | $ 395,000 | $ 0 |
| Sequoyah County Oklahoma | 3 | $ 353,000 | $ 117,000 | $ 63,000 |
| Harris County Texas | 3 | $ 8,189,000 | $ 2,729,000 | $ 408,000 |
| Parker County Texas | 3 | $ 1,278,000 | $ 426,000 | $ 58,000 |
| Wise County Texas | 3 | $ 306,000 | $ 102,000 | $ 83,000 |
| Baldwin County Alabama | 2 | $ 330,000 | $ 165,000 | $ 114,000 |
| Craighead County Arkansas | 2 | $ 99,000 | $ 49,000 | $ 59,000 |
| Fulton County Arkansas | 2 | $ 264,000 | $ 132,000 | $ 32,000 |
| Hempstead County Arkansas | 2 | $ 248,000 | $ 124,000 | $ 65,000 |
| Montgomery County Arkansas | 2 | $ 159,000 | $ 79,000 | $ 99,000 |
| Stone County Arkansas | 2 | $ 235,000 | $ 117,000 | $ 39,000 |
| Escambia County Florida | 2 | $ 152,000 | $ 76,000 | $ 42,000 |
| Barrow County Georgia | 2 | $ 209,000 | $ 104,000 | $ 43,000 |
| Brantley County Georgia | 2 | $ 25,000 | $ 12,000 | $ 21,000 |
| Brooks County Georgia | 2 | $ 255,000 | $ 127,000 | $ 59,000 |
| Bryan County Georgia | 2 | $ 433,000 | $ 216,000 | $ 75,000 |
| Dawson County Georgia | 2 | $ 71,000 | $ 35,000 | $ 35,000 |
| DeKalb County Georgia | 2 | $ 4,537,000 | $ 2,268,000 | $ 0 |
| Henry County Georgia | 2 | $ 335,000 | $ 167,000 | $ 54,000 |
| Jackson County Georgia | 2 | $ 306,000 | $ 153,000 | $ 69,000 |
| McIntosh County Georgia | 2 | $ 368,000 | $ 184,000 | $ 74,000 |
| Seminole County Georgia | 2 | $ 85,000 | $ 42,000 | $ 8,000 |
| Harrison County Mississippi | 2 | $ 4,150,000 | $ 2,075,000 | $ 60,000 |
| McCurtain County Oklahoma | 2 | $ 311,000 | $ 155,000 | $ 98,000 |
| Beaufort County South Carolina | 2 | $ 290,000 | $ 145,000 | $ 82,000 |
| Shelby County Tennessee | 2 | $ 546,000 | $ 273,000 | $ 188,000 |
| Brazos County Texas | 2 | $ 18,487,000 | $ 9,243,000 | $ 72,000 |
| Grayson County Texas | 2 | $ 545,000 | $ 272,000 | $ 460,000 |
| Hays County Texas | 2 | $ 555,000 | $ 277,000 | $ 276,000 |
| Hood County Texas | 2 | $ 365,000 | $ 182,000 | $ 411,000 |
| Johnson County Texas | 2 | $ 140,000 | $ 70,000 | $ 46,000 |
| Rockwall County Texas | 2 | $ 287,000 | $ 143,000 | $ 124,000 |
| Smith County Texas | 2 | $ 382,000 | $ 191,000 | $ 145,000 |
| Travis County Texas | 2 | $ 350,000 | $ 175,000 | $ 85,000 |
| Cullman County Alabama | 1 | $ 4,000 | $ 4,000 | $ 16,000 |
| Lauderdale County Alabama | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Columbia County Arkansas | 1 | $ 72,000 | $ 72,000 | $ 46,000 |
| Drew County Arkansas | 1 | $ 218,000 | $ 218,000 | $ 144,000 |
| Independence County Arkansas | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Jefferson County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Little River County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Madison County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Monroe County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 130,000 |
| Pike County Arkansas | 1 | $ 345,000 | $ 345,000 | $ 97,000 |
| Sevier County Arkansas | 1 | $ 206,000 | $ 206,000 | $ 116,000 |
| San Francisco County California | 1 | $ 230,000 | $ 230,000 | $ 91,000 |
| Denver County Colorado | 1 | $ 358,000 | $ 358,000 | $ 224,000 |
| Columbia County Florida | 1 | $ 129,000 | $ 129,000 | $ 49,000 |
| Okaloosa County Florida | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Carroll County Georgia | 1 | $ 44,000 | $ 44,000 | $ 53,000 |
| Clarke County Georgia | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Clinch County Georgia | 1 | $ 9,000 | $ 9,000 | $ 16,000 |
| Cook County Georgia | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Early County Georgia | 1 | $ 113,000 | $ 113,000 | $ 70,000 |
| Echols County Georgia | 1 | $ 24,000 | $ 24,000 | $ 16,000 |
| Fayette County Georgia | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
| Houston County Georgia | 1 | $ 146,000 | $ 146,000 | $ 98,000 |
| Madison County Georgia | 1 | $ 102,000 | $ 102,000 | $ 31,000 |
| Meriwether County Georgia | 1 | $ 72,000 | $ 72,000 | $ 66,000 |
| Miller County Georgia | 1 | $ 59,000 | $ 59,000 | $ 51,000 |
| Mitchell County Georgia | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Monroe County Georgia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Newton County Georgia | 1 | $ 2,000 | $ 2,000 | $ 20,000 |
| Paulding County Georgia | 1 | $ 60,000 | $ 60,000 | $ 61,000 |
| Pike County Georgia | 1 | $ 23,000 | $ 23,000 | $ 37,000 |
| Rockdale County Georgia | 1 | $ 1,655,000 | $ 1,655,000 | $ 0 |
| Thomas County Georgia | 1 | $ 124,000 | $ 124,000 | $ 65,000 |
| Troup County Georgia | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Bonner County Idaho | 1 | $ 219,000 | $ 219,000 | $ 88,000 |
| Kane County Illinois | 1 | $ 277,000 | $ 277,000 | $ 120,000 |
| Lake County Illinois | 1 | $ 412,000 | $ 412,000 | $ 281,000 |
| Douglas County Kansas | 1 | $ 154,000 | $ 154,000 | $ 70,000 |
| Hardin County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 125,000 |
| Middlesex County Massachusetts | 1 | $ 333,000 | $ 333,000 | $ 90,000 |
| Jackson County Mississippi | 1 | $ 49,000 | $ 49,000 | $ 35,000 |
| Lauderdale County Mississippi | 1 | $ 186,000 | $ 186,000 | $ 76,000 |
| Rankin County Mississippi | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Sunflower County Mississippi | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| McDonald County Missouri | 1 | $ 5,000 | $ 5,000 | $ 126,000 |
| Cherokee County Oklahoma | 1 | $ 44,000 | $ 44,000 | $ 76,000 |
| Pushmataha County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Jasper County South Carolina | 1 | $ 52,000 | $ 52,000 | $ 94,000 |
| Hamilton County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 98,000 |
| Sevier County Tennessee | 1 | $ 134,000 | $ 134,000 | $ 75,000 |
| Bexar County Texas | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Chambers County Texas | 1 | $ 244,000 | $ 244,000 | $ 175,000 |
| Comal County Texas | 1 | $ 408,000 | $ 408,000 | $ 192,000 |
| Galveston County Texas | 1 | $ 134,000 | $ 134,000 | $ 35,000 |
| Gillespie County Texas | 1 | $ 195,000 | $ 195,000 | $ 484,000 |
| Karnes County Texas | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Kaufman County Texas | 1 | $ 391,000 | $ 391,000 | $ 0 |
| Lubbock County Texas | 1 | $ 89,000 | $ 89,000 | $ 173,000 |
| Montague County Texas | 1 | $ 70,000 | $ 70,000 | $ 49,000 |
| Navarro County Texas | 1 | $ 357,000 | $ 357,000 | $ 156,000 |
| Orange County Texas | 1 | $ 144,000 | $ 144,000 | $ 87,000 |
| Somervell County Texas | 1 | $ 286,000 | $ 286,000 | $ 237,000 |
| Loudoun County Virginia | 1 | $ 417,000 | $ 417,000 | $ 113,000 |
| Portsmouth County Virginia | 1 | $ 56,000 | $ 56,000 | $ 150,000 |
| Waukesha County Wisconsin | 1 | $ 288,000 | $ 288,000 | $ 163,000 |
Mortgage Loan Application Detail Totals for Bank Of The Ozarks in 2012
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 | 1,043 | $209,367,000 | $200,000 | $18,388,000 | $97,000 | $1,441,000 |
| Home Purchase | 950 | $170,645,000 | $179,000 | $7,000,000 | $81,000 | $926,000 |
| Home Improvement | 224 | $8,835,000 | $39,000 | $530,000 | $65,000 | $1,342,000 |
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 | 1,948 | $294,801,000 | $151,000 | $1,600,000 | $92,000 | $1,441,000 |
| Not applicable | 91 | $70,297,000 | $772,000 | $18,388,000 | $0 | $0 |
| Black or African American | 67 | $6,261,000 | $93,000 | $383,000 | $49,000 | $201,000 |
| Hispanic | 52 | $8,541,000 | $164,000 | $1,000,000 | $93,000 | $926,000 |
| Asian | 32 | $5,637,000 | $176,000 | $417,000 | $94,000 | $256,000 |
| Not Provided | 18 | $2,295,000 | $127,000 | $400,000 | $93,000 | $315,000 |
| American Indian or Alaskan Native | 8 | $881,000 | $110,000 | $281,000 | $109,000 | $247,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $134,000 | $134,000 | $134,000 | $49,000 | $49,000 |
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) | 1,845 | $335,712,000 | $181,000 | $18,388,000 | $92,000 | $1,441,000 |
| FHA-insured (Federal Housing Administration) | 214 | $30,519,000 | $142,000 | $278,000 | $68,000 | $459,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 99 | $11,126,000 | $112,000 | $336,000 | $39,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 59 | $11,490,000 | $194,000 | $414,000 | $78,000 | $201,000 |
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 | 1,707 | $326,267,000 | $191,000 | $18,388,000 | $91,000 | $1,342,000 |
| Application Denied By Financial Institution | 301 | $31,691,000 | $105,000 | $1,568,000 | $63,000 | $1,441,000 |
| Application Withdrawn By Applicant | 191 | $28,628,000 | $149,000 | $1,171,000 | $87,000 | $926,000 |
| Application Approved But Not Accepted | 18 | $2,261,000 | $125,000 | $279,000 | $95,000 | $308,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 124 | $7,369,000 | $59,000 | $518,000 | $54,000 | $1,441,000 |
| Debt-To-Income Ratio | 73 | $10,366,000 | $142,000 | $1,568,000 | $54,000 | $240,000 |
| Collateral | 54 | $6,015,000 | $111,000 | $400,000 | $73,000 | $237,000 |
| Credit Application Incomplete | 29 | $4,397,000 | $151,000 | $400,000 | $89,000 | $315,000 |
| Unverifiable Information | 8 | $1,770,000 | $221,000 | $465,000 | $98,000 | $233,000 |
| Employment History | 6 | $634,000 | $105,000 | $199,000 | $66,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $673,000 | $168,000 | $366,000 | $88,000 | $202,000 |
| Other | 3 | $467,000 | $155,000 | $258,000 | $86,000 | $140,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The Ozarks's 2012 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.