Bank Of The Ozarks
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Bank Of The Ozarks 2013 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 | 2,116 |
| Total Mortgage Loan Application Amount | $376,093,000 |
| Average Mortgage Loan Application Amount | $139,666 |
| Highest Mortgage Loan Application Amount | $24,000,000 |
| Average Applicant Income | $77,333 |
| Highest Applicant Income | $2,492,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 286 | $ 58,711,000 | $ 205,000 | $ 105,000 |
| Saline County Arkansas | 178 | $ 33,340,000 | $ 187,000 | $ 77,000 |
| Faulkner County Arkansas | 109 | $ 19,767,000 | $ 181,000 | $ 67,000 |
| Benton County Arkansas | 96 | $ 16,588,000 | $ 172,000 | $ 103,000 |
| Garland County Arkansas | 83 | $ 11,153,000 | $ 134,000 | $ 98,000 |
| Collin County Texas | 81 | $ 19,033,000 | $ 234,000 | $ 112,000 |
| Denton County Texas | 78 | $ 15,333,000 | $ 196,000 | $ 118,000 |
| Crawford County Arkansas | 74 | $ 6,012,000 | $ 81,000 | $ 59,000 |
| Pope County Arkansas | 70 | $ 7,994,000 | $ 114,000 | $ 49,000 |
| Tarrant County Texas | 65 | $ 13,621,000 | $ 209,000 | $ 130,000 |
| Lonoke County Arkansas | 56 | $ 7,322,000 | $ 130,000 | $ 84,000 |
| Boone County Arkansas | 50 | $ 5,412,000 | $ 108,000 | $ 57,000 |
| Sebastian County Arkansas | 44 | $ 3,909,000 | $ 88,000 | $ 47,000 |
| Baxter County Arkansas | 42 | $ 6,451,000 | $ 153,000 | $ 71,000 |
| Franklin County Arkansas | 41 | $ 1,577,000 | $ 38,000 | $ 60,000 |
| Johnson County Arkansas | 38 | $ 2,199,000 | $ 57,000 | $ 69,000 |
| Washington County Arkansas | 38 | $ 6,742,000 | $ 177,000 | $ 95,000 |
| Lowndes County Georgia | 38 | $ 3,475,000 | $ 91,000 | $ 69,000 |
| Cleveland County North Carolina | 37 | $ 3,160,000 | $ 85,000 | $ 54,000 |
| Dallas County Texas | 37 | $ 7,666,000 | $ 207,000 | $ 160,000 |
| Newton County Arkansas | 28 | $ 1,298,000 | $ 46,000 | $ 50,000 |
| Decatur County Georgia | 27 | $ 1,417,000 | $ 52,000 | $ 41,000 |
| Glynn County Georgia | 27 | $ 4,746,000 | $ 175,000 | $ 98,000 |
| Geneva County Alabama | 26 | $ 1,207,000 | $ 46,000 | $ 62,000 |
| Gaston County North Carolina | 26 | $ 2,405,000 | $ 92,000 | $ 43,000 |
| Marion County Arkansas | 24 | $ 1,716,000 | $ 71,000 | $ 39,000 |
| Searcy County Arkansas | 19 | $ 1,048,000 | $ 55,000 | $ 57,000 |
| Bowie County Texas | 19 | $ 2,543,000 | $ 133,000 | $ 87,000 |
| Miller County Arkansas | 18 | $ 2,337,000 | $ 129,000 | $ 83,000 |
| Bartow County Georgia | 18 | $ 2,083,000 | $ 115,000 | $ 52,000 |
| Logan County Arkansas | 15 | $ 845,000 | $ 56,000 | $ 40,000 |
| McLennan County Texas | 13 | $ 2,187,000 | $ 168,000 | $ 69,000 |
| Lincoln County North Carolina | 12 | $ 1,453,000 | $ 121,000 | $ 38,000 |
| Van Buren County Arkansas | 11 | $ 960,000 | $ 87,000 | $ 89,000 |
| Clarke County Georgia | 10 | $ 1,387,000 | $ 138,000 | $ 97,000 |
| Grady County Georgia | 10 | $ 630,000 | $ 63,000 | $ 50,000 |
| Mecklenburg County North Carolina | 10 | $ 2,691,000 | $ 269,000 | $ 32,000 |
| Yell County Arkansas | 9 | $ 682,000 | $ 75,000 | $ 55,000 |
| Marion County Florida | 7 | $ 667,000 | $ 95,000 | $ 59,000 |
| Gordon County Georgia | 7 | $ 618,000 | $ 88,000 | $ 96,000 |
| Oconee County Georgia | 7 | $ 1,905,000 | $ 272,000 | $ 124,000 |
| Mobile County Alabama | 6 | $ 1,227,000 | $ 204,000 | $ 83,000 |
| Holmes County Florida | 6 | $ 322,000 | $ 53,000 | $ 30,000 |
| Coweta County Georgia | 6 | $ 817,000 | $ 136,000 | $ 86,000 |
| Floyd County Georgia | 6 | $ 960,000 | $ 160,000 | $ 96,000 |
| Conway County Arkansas | 5 | $ 988,000 | $ 197,000 | $ 60,000 |
| Craighead County Arkansas | 5 | $ 4,076,000 | $ 815,000 | $ 98,000 |
| Hot Spring County Arkansas | 5 | $ 907,000 | $ 181,000 | $ 85,000 |
| Manatee County Florida | 5 | $ 1,092,000 | $ 218,000 | $ 66,000 |
| Paulding County Georgia | 5 | $ 661,000 | $ 132,000 | $ 87,000 |
| Sequoyah County Oklahoma | 5 | $ 282,000 | $ 56,000 | $ 30,000 |
| Parker County Texas | 5 | $ 1,171,000 | $ 234,000 | $ 241,000 |
| White County Arkansas | 4 | $ 305,000 | $ 76,000 | $ 31,000 |
| Gwinnett County Georgia | 4 | $ 792,000 | $ 198,000 | $ 91,000 |
| Beaufort County South Carolina | 4 | $ 644,000 | $ 161,000 | $ 93,000 |
| Carroll County Arkansas | 3 | $ 267,000 | $ 89,000 | $ 48,000 |
| Cleburne County Arkansas | 3 | $ 682,000 | $ 227,000 | $ 266,000 |
| Little River County Arkansas | 3 | $ 234,000 | $ 78,000 | $ 52,000 |
| Carroll County Georgia | 3 | $ 205,000 | $ 68,000 | $ 95,000 |
| Cobb County Georgia | 3 | $ 505,000 | $ 168,000 | $ 52,000 |
| Douglas County Georgia | 3 | $ 387,000 | $ 129,000 | $ 44,000 |
| Forsyth County Georgia | 3 | $ 220,000 | $ 73,000 | $ 41,000 |
| Fulton County Georgia | 3 | $ 275,000 | $ 91,000 | $ 106,000 |
| Hall County Georgia | 3 | $ 457,000 | $ 152,000 | $ 70,000 |
| Lumpkin County Georgia | 3 | $ 528,000 | $ 176,000 | $ 58,000 |
| McIntosh County Georgia | 3 | $ 785,000 | $ 261,000 | $ 98,000 |
| New Hanover County North Carolina | 3 | $ 305,000 | $ 101,000 | $ 96,000 |
| Cherokee County South Carolina | 3 | $ 124,000 | $ 41,000 | $ 43,000 |
| Cass County Texas | 3 | $ 502,000 | $ 167,000 | $ 57,000 |
| Rockwall County Texas | 3 | $ 771,000 | $ 257,000 | $ 140,000 |
| Travis County Texas | 3 | $ 513,000 | $ 171,000 | $ 85,000 |
| Wise County Texas | 3 | $ 349,000 | $ 116,000 | $ 103,000 |
| Baldwin County Alabama | 2 | $ 332,000 | $ 166,000 | $ 52,000 |
| Stone County Arkansas | 2 | $ 230,000 | $ 115,000 | $ 51,000 |
| Brooks County Georgia | 2 | $ 187,000 | $ 93,000 | $ 64,000 |
| Camden County Georgia | 2 | $ 197,000 | $ 98,000 | $ 11,000 |
| Echols County Georgia | 2 | $ 307,000 | $ 153,000 | $ 60,000 |
| Fayette County Georgia | 2 | $ 625,000 | $ 312,000 | $ 202,000 |
| Henry County Georgia | 2 | $ 185,000 | $ 92,000 | $ 63,000 |
| Jackson County Georgia | 2 | $ 229,000 | $ 114,000 | $ 45,000 |
| Miller County Georgia | 2 | $ 241,000 | $ 120,000 | $ 60,000 |
| Brunswick County North Carolina | 2 | $ 313,000 | $ 156,000 | $ 27,000 |
| Rutherford County North Carolina | 2 | $ 272,000 | $ 136,000 | $ 57,000 |
| Oklahoma County Oklahoma | 2 | $ 21,284,000 | $ 10,642,000 | $ 25,000 |
| York County South Carolina | 2 | $ 605,000 | $ 302,000 | $ 0 |
| Johnson County Texas | 2 | $ 360,000 | $ 180,000 | $ 33,000 |
| Cherokee County Alabama | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Covington County Alabama | 1 | $ 113,000 | $ 113,000 | $ 120,000 |
| Cullman County Alabama | 1 | $ 7,000 | $ 7,000 | $ 17,000 |
| Dale County Alabama | 1 | $ 54,000 | $ 54,000 | $ 36,000 |
| Limestone County Alabama | 1 | $ 283,000 | $ 283,000 | $ 111,000 |
| Gila County Arizona | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Arkansas County Arkansas | 1 | $ 112,000 | $ 112,000 | $ 45,000 |
| Clark County Arkansas | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| Crittenden County Arkansas | 1 | $ 122,000 | $ 122,000 | $ 54,000 |
| Fulton County Arkansas | 1 | $ 140,000 | $ 140,000 | $ 52,000 |
| Jefferson County Arkansas | 1 | $ 42,000 | $ 42,000 | $ 54,000 |
| Sharp County Arkansas | 1 | $ 28,000 | $ 28,000 | $ 42,000 |
| St. Francis County Arkansas | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Fremont County Colorado | 1 | $ 367,000 | $ 367,000 | $ 87,000 |
| Summit County Colorado | 1 | $ 400,000 | $ 400,000 | $ 216,000 |
| Bay County Florida | 1 | $ 90,000 | $ 90,000 | $ 277,000 |
| Broward County Florida | 1 | $ 132,000 | $ 132,000 | $ 170,000 |
| Duval County Florida | 1 | $ 4,240,000 | $ 4,240,000 | $ 0 |
| Escambia County Florida | 1 | $ 190,000 | $ 190,000 | $ 63,000 |
| Gulf County Florida | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 392,000 | $ 392,000 | $ 155,000 |
| Orange County Florida | 1 | $ 274,000 | $ 274,000 | $ 452,000 |
| Seminole County Florida | 1 | $ 15,000 | $ 15,000 | $ 16,000 |
| Baldwin County Georgia | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Brantley County Georgia | 1 | $ 257,000 | $ 257,000 | $ 45,000 |
| Bulloch County Georgia | 1 | $ 250,000 | $ 250,000 | $ 74,000 |
| Chatham County Georgia | 1 | $ 119,000 | $ 119,000 | $ 80,000 |
| Chattooga County Georgia | 1 | $ 32,000 | $ 32,000 | $ 36,000 |
| DeKalb County Georgia | 1 | $ 404,000 | $ 404,000 | $ 102,000 |
| Early County Georgia | 1 | $ 190,000 | $ 190,000 | $ 61,000 |
| Houston County Georgia | 1 | $ 3,960,000 | $ 3,960,000 | $ 0 |
| Lanier County Georgia | 1 | $ 300,000 | $ 300,000 | $ 56,000 |
| Montgomery County Georgia | 1 | $ 72,000 | $ 72,000 | $ 19,000 |
| Pickens County Georgia | 1 | $ 10,000 | $ 10,000 | $ 26,000 |
| Polk County Georgia | 1 | $ 70,000 | $ 70,000 | $ 10,000 |
| Seminole County Georgia | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Spalding County Georgia | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Thomas County Georgia | 1 | $ 133,000 | $ 133,000 | $ 148,000 |
| Wayne County Georgia | 1 | $ 41,000 | $ 41,000 | $ 26,000 |
| Johnson County Kansas | 1 | $ 403,000 | $ 403,000 | $ 140,000 |
| Leavenworth County Kansas | 1 | $ 51,000 | $ 51,000 | $ 48,000 |
| Madison County Kentucky | 1 | $ 289,000 | $ 289,000 | $ 180,000 |
| Dakota County Minnesota | 1 | $ 401,000 | $ 401,000 | $ 118,000 |
| Christian County Missouri | 1 | $ 133,000 | $ 133,000 | $ 44,000 |
| Howell County Missouri | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| St. Louis City County Missouri | 1 | $ 24,000,000 | $ 24,000,000 | $ 0 |
| Taney County Missouri | 1 | $ 50,000 | $ 50,000 | $ 225,000 |
| Eddy County New Mexico | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Avery County North Carolina | 1 | $ 172,000 | $ 172,000 | $ 243,000 |
| Burke County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 62,000 |
| Catawba County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 49,000 |
| Pender County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Le Flore County Oklahoma | 1 | $ 76,000 | $ 76,000 | $ 84,000 |
| McCurtain County Oklahoma | 1 | $ 104,000 | $ 104,000 | $ 47,000 |
| Okmulgee County Oklahoma | 1 | $ 104,000 | $ 104,000 | $ 39,000 |
| Stephens County Oklahoma | 1 | $ 820,000 | $ 820,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 206,000 | $ 206,000 | $ 243,000 |
| Lycoming County Pennsylvania | 1 | $ 178,000 | $ 178,000 | $ 46,000 |
| Horry County South Carolina | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Hamilton County Tennessee | 1 | $ 192,000 | $ 192,000 | $ 100,000 |
| Aransas County Texas | 1 | $ 319,000 | $ 319,000 | $ 471,000 |
| Bosque County Texas | 1 | $ 141,000 | $ 141,000 | $ 68,000 |
| Brazos County Texas | 1 | $ 105,000 | $ 105,000 | $ 340,000 |
| Burnet County Texas | 1 | $ 163,000 | $ 163,000 | $ 129,000 |
| Ellis County Texas | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
| Franklin County Texas | 1 | $ 300,000 | $ 300,000 | $ 285,000 |
| Grayson County Texas | 1 | $ 184,000 | $ 184,000 | $ 261,000 |
| Harrison County Texas | 1 | $ 367,000 | $ 367,000 | $ 175,000 |
| Hays County Texas | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Hidalgo County Texas | 1 | $ 173,000 | $ 173,000 | $ 70,000 |
| Hood County Texas | 1 | $ 176,000 | $ 176,000 | $ 103,000 |
| Kaufman County Texas | 1 | $ 149,000 | $ 149,000 | $ 85,000 |
| Lubbock County Texas | 1 | $ 99,000 | $ 99,000 | $ 215,000 |
| Montague County Texas | 1 | $ 98,000 | $ 98,000 | $ 100,000 |
| Montgomery County Texas | 1 | $ 417,000 | $ 417,000 | $ 510,000 |
| Taylor County Texas | 1 | $ 128,000 | $ 128,000 | $ 84,000 |
| Wichita County Texas | 1 | $ 127,000 | $ 127,000 | $ 32,000 |
| Williamson County Texas | 1 | $ 150,000 | $ 150,000 | $ 149,000 |
| Bedford County Virginia | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Dane County Wisconsin | 1 | $ 143,000 | $ 143,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Bank Of The Ozarks in 2013
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 | 1,075 | $235,984,000 | $219,000 | $24,000,000 | $82,000 | $662,000 |
| Refinancing | 809 | $131,022,000 | $161,000 | $2,650,000 | $92,000 | $2,492,000 |
| Home Improvement | 232 | $9,087,000 | $39,000 | $450,000 | $58,000 | $519,000 |
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 | 1,763 | $256,938,000 | $145,000 | $1,113,000 | $89,000 | $2,492,000 |
| Not applicable | 110 | $85,624,000 | $778,000 | $24,000,000 | $0 | $0 |
| Black or African American | 83 | $9,840,000 | $118,000 | $408,000 | $71,000 | $452,000 |
| Asian | 62 | $10,987,000 | $177,000 | $401,000 | $109,000 | $494,000 |
| Hispanic | 56 | $6,957,000 | $124,000 | $309,000 | $69,000 | $486,000 |
| Not Provided | 32 | $4,414,000 | $137,000 | $866,000 | $58,000 | $216,000 |
| American Indian or Alaskan Native | 7 | $680,000 | $97,000 | $181,000 | $76,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $653,000 | $217,000 | $369,000 | $112,000 | $152,000 |
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) | 1,733 | $319,753,000 | $184,000 | $24,000,000 | $88,000 | $2,492,000 |
| FHA-insured (Federal Housing Administration) | 182 | $26,639,000 | $146,000 | $276,000 | $70,000 | $281,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 117 | $14,399,000 | $123,000 | $325,000 | $42,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 84 | $15,302,000 | $182,000 | $439,000 | $76,000 | $241,000 |
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 | 1,527 | $271,672,000 | $177,000 | $24,000,000 | $87,000 | $2,492,000 |
| Application Denied By Financial Institution | 352 | $45,045,000 | $127,000 | $866,000 | $64,000 | $465,000 |
| Application Withdrawn By Applicant | 222 | $57,400,000 | $258,000 | $21,207,000 | $88,000 | $450,000 |
| Application Approved But Not Accepted | 15 | $1,976,000 | $131,000 | $400,000 | $54,000 | $125,000 |
| 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 | 157 | $14,919,000 | $95,000 | $600,000 | $54,000 | $294,000 |
| Debt-To-Income Ratio | 93 | $14,855,000 | $159,000 | $821,000 | $61,000 | $452,000 |
| Collateral | 45 | $5,909,000 | $131,000 | $545,000 | $74,000 | $326,000 |
| Credit Application Incomplete | 30 | $6,225,000 | $207,000 | $866,000 | $108,000 | $465,000 |
| Employment History | 10 | $1,155,000 | $115,000 | $228,000 | $48,000 | $131,000 |
| Other | 7 | $1,086,000 | $155,000 | $244,000 | $54,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $512,000 | $85,000 | $98,000 | $128,000 | $144,000 |
| Unverifiable Information | 4 | $384,000 | $96,000 | $127,000 | $73,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The Ozarks's 2013 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.
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with aggregated HMDA statistics today.