Bank Of The Ozarks
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Bank Of The Ozarks 2016 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 | 3,629 |
| Total Mortgage Loan Application Amount | $562,677,000 |
| Average Mortgage Loan Application Amount | $130,333 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $75,333 |
| Highest Applicant Income | $3,987,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 424 | $ 57,606,000 | $ 135,000 | $ 64,000 |
| Garland County Arkansas | 186 | $ 25,618,000 | $ 137,000 | $ 121,000 |
| Faulkner County Arkansas | 163 | $ 20,699,000 | $ 126,000 | $ 54,000 |
| Saline County Arkansas | 159 | $ 23,204,000 | $ 145,000 | $ 78,000 |
| Dallas County Texas | 130 | $ 26,980,000 | $ 207,000 | $ 69,000 |
| Lonoke County Arkansas | 105 | $ 15,717,000 | $ 149,000 | $ 64,000 |
| Collin County Texas | 102 | $ 25,592,000 | $ 250,000 | $ 136,000 |
| Benton County Arkansas | 93 | $ 15,900,000 | $ 170,000 | $ 82,000 |
| New Hanover County North Carolina | 82 | $ 3,783,000 | $ 46,000 | $ 0 |
| Cleveland County North Carolina | 71 | $ 8,413,000 | $ 118,000 | $ 61,000 |
| Crawford County Arkansas | 69 | $ 11,070,000 | $ 160,000 | $ 64,000 |
| Franklin County Arkansas | 69 | $ 6,221,000 | $ 90,000 | $ 54,000 |
| Gaston County North Carolina | 68 | $ 5,438,000 | $ 79,000 | $ 49,000 |
| Travis County Texas | 63 | $ 19,094,000 | $ 303,000 | $ 117,000 |
| Washington County Arkansas | 60 | $ 8,819,000 | $ 146,000 | $ 84,000 |
| Denton County Texas | 60 | $ 15,211,000 | $ 253,000 | $ 127,000 |
| Pope County Arkansas | 59 | $ 6,501,000 | $ 110,000 | $ 67,000 |
| Pinellas County Florida | 54 | $ 7,643,000 | $ 141,000 | $ 59,000 |
| Sebastian County Arkansas | 50 | $ 7,452,000 | $ 149,000 | $ 49,000 |
| Johnson County Arkansas | 49 | $ 4,196,000 | $ 85,000 | $ 43,000 |
| Hempstead County Arkansas | 45 | $ 1,898,000 | $ 42,000 | $ 40,000 |
| Tarrant County Texas | 43 | $ 9,142,000 | $ 212,000 | $ 93,000 |
| Mecklenburg County North Carolina | 39 | $ 15,525,000 | $ 398,000 | $ 89,000 |
| Bowie County Texas | 38 | $ 4,313,000 | $ 113,000 | $ 92,000 |
| Baxter County Arkansas | 36 | $ 3,211,000 | $ 89,000 | $ 47,000 |
| Lincoln County North Carolina | 33 | $ 4,099,000 | $ 124,000 | $ 38,000 |
| Lowndes County Georgia | 32 | $ 2,691,000 | $ 84,000 | $ 53,000 |
| Geneva County Alabama | 30 | $ 634,000 | $ 21,000 | $ 45,000 |
| Van Buren County Arkansas | 29 | $ 3,070,000 | $ 105,000 | $ 99,000 |
| Clark County Arkansas | 28 | $ 1,799,000 | $ 64,000 | $ 55,000 |
| Hot Spring County Arkansas | 28 | $ 2,556,000 | $ 91,000 | $ 55,000 |
| Carroll County Georgia | 28 | $ 3,076,000 | $ 109,000 | $ 63,000 |
| Fulton County Georgia | 28 | $ 6,778,000 | $ 242,000 | $ 174,000 |
| Searcy County Arkansas | 23 | $ 1,135,000 | $ 49,000 | $ 133,000 |
| Gilmer County Georgia | 23 | $ 2,830,000 | $ 123,000 | $ 70,000 |
| Forsyth County North Carolina | 23 | $ 6,143,000 | $ 267,000 | $ 67,000 |
| Miller County Arkansas | 21 | $ 2,385,000 | $ 113,000 | $ 63,000 |
| Newton County Arkansas | 21 | $ 670,000 | $ 31,000 | $ 34,000 |
| Davie County North Carolina | 21 | $ 3,148,000 | $ 149,000 | $ 70,000 |
| Gwinnett County Georgia | 20 | $ 3,543,000 | $ 177,000 | $ 75,000 |
| Mobile County Alabama | 19 | $ 2,187,000 | $ 115,000 | $ 94,000 |
| Decatur County Georgia | 19 | $ 551,000 | $ 29,000 | $ 45,000 |
| Cabarrus County North Carolina | 19 | $ 1,973,000 | $ 103,000 | $ 39,000 |
| Logan County Arkansas | 18 | $ 633,000 | $ 35,000 | $ 37,000 |
| Randolph County North Carolina | 18 | $ 1,959,000 | $ 108,000 | $ 57,000 |
| Williamson County Texas | 18 | $ 3,703,000 | $ 205,000 | $ 119,000 |
| Cleburne County Arkansas | 17 | $ 2,315,000 | $ 136,000 | $ 129,000 |
| Craighead County Arkansas | 17 | $ 2,366,000 | $ 139,000 | $ 91,000 |
| Boone County Arkansas | 16 | $ 1,364,000 | $ 85,000 | $ 52,000 |
| Harris County Texas | 16 | $ 4,205,000 | $ 262,000 | $ 90,000 |
| Parker County Texas | 16 | $ 2,162,000 | $ 135,000 | $ 230,000 |
| Bartow County Georgia | 15 | $ 2,078,000 | $ 138,000 | $ 73,000 |
| Cherokee County Georgia | 15 | $ 1,849,000 | $ 123,000 | $ 87,000 |
| Henry County Georgia | 15 | $ 1,803,000 | $ 120,000 | $ 68,000 |
| Davidson County North Carolina | 15 | $ 1,269,000 | $ 84,000 | $ 90,000 |
| Comanche County Oklahoma | 15 | $ 2,145,000 | $ 143,000 | $ 0 |
| Hillsborough County Florida | 14 | $ 3,487,000 | $ 249,000 | $ 80,000 |
| Columbia County Arkansas | 13 | $ 771,000 | $ 59,000 | $ 61,000 |
| Miami-Dade County Florida | 13 | $ 14,896,000 | $ 1,145,000 | $ 476,000 |
| Rutherford County North Carolina | 13 | $ 1,334,000 | $ 102,000 | $ 65,000 |
| Beaufort County South Carolina | 13 | $ 3,748,000 | $ 288,000 | $ 237,000 |
| Marion County Arkansas | 12 | $ 1,141,000 | $ 95,000 | $ 68,000 |
| Chatham County Georgia | 12 | $ 2,667,000 | $ 222,000 | $ 172,000 |
| Fayette County Georgia | 12 | $ 785,000 | $ 65,000 | $ 23,000 |
| Forsyth County Georgia | 12 | $ 2,063,000 | $ 171,000 | $ 78,000 |
| Gordon County Georgia | 12 | $ 1,604,000 | $ 133,000 | $ 11,000 |
| Grady County Georgia | 12 | $ 62,000 | $ 5,000 | $ 47,000 |
| Union County Georgia | 12 | $ 2,163,000 | $ 180,000 | $ 94,000 |
| Manatee County Florida | 11 | $ 1,356,000 | $ 123,000 | $ 78,000 |
| Coweta County Georgia | 11 | $ 1,157,000 | $ 105,000 | $ 64,000 |
| Glynn County Georgia | 11 | $ 1,909,000 | $ 173,000 | $ 59,000 |
| Haralson County Georgia | 11 | $ 923,000 | $ 83,000 | $ 56,000 |
| Lumpkin County Georgia | 11 | $ 639,000 | $ 58,000 | $ 31,000 |
| Murray County Georgia | 11 | $ 735,000 | $ 66,000 | $ 44,000 |
| Yell County Arkansas | 10 | $ 1,168,000 | $ 116,000 | $ 57,000 |
| Cobb County Georgia | 10 | $ 2,368,000 | $ 236,000 | $ 174,000 |
| DeKalb County Georgia | 10 | $ 1,608,000 | $ 160,000 | $ 81,000 |
| Douglas County Georgia | 10 | $ 1,446,000 | $ 144,000 | $ 95,000 |
| Fannin County Georgia | 10 | $ 1,780,000 | $ 178,000 | $ 117,000 |
| Le Flore County Oklahoma | 10 | $ 976,000 | $ 97,000 | $ 58,000 |
| Barrow County Georgia | 9 | $ 262,000 | $ 29,000 | $ 68,000 |
| Muscogee County Georgia | 9 | $ 645,000 | $ 71,000 | $ 68,000 |
| Hays County Texas | 9 | $ 2,019,000 | $ 224,000 | $ 121,000 |
| Conway County Arkansas | 8 | $ 910,000 | $ 113,000 | $ 55,000 |
| Clayton County Georgia | 8 | $ 971,000 | $ 121,000 | $ 47,000 |
| Whitfield County Georgia | 8 | $ 813,000 | $ 101,000 | $ 85,000 |
| Rowan County North Carolina | 8 | $ 737,000 | $ 92,000 | $ 79,000 |
| Nevada County Arkansas | 7 | $ 340,000 | $ 48,000 | $ 72,000 |
| White County Arkansas | 7 | $ 3,058,000 | $ 436,000 | $ 76,000 |
| Broward County Florida | 7 | $ 805,000 | $ 115,000 | $ 76,000 |
| Marion County Florida | 7 | $ 677,000 | $ 96,000 | $ 62,000 |
| Floyd County Georgia | 7 | $ 367,000 | $ 52,000 | $ 62,000 |
| Jackson County Georgia | 7 | $ 982,000 | $ 140,000 | $ 54,000 |
| Paulding County Georgia | 7 | $ 847,000 | $ 121,000 | $ 79,000 |
| Lee County Florida | 6 | $ 1,040,000 | $ 173,000 | $ 111,000 |
| Sarasota County Florida | 6 | $ 1,158,000 | $ 193,000 | $ 80,000 |
| Fort Bend County Texas | 6 | $ 1,724,000 | $ 287,000 | $ 133,000 |
| Carroll County Arkansas | 5 | $ 352,000 | $ 70,000 | $ 69,000 |
| Ouachita County Arkansas | 5 | $ 251,000 | $ 50,000 | $ 72,000 |
| Charlotte County Florida | 5 | $ 423,000 | $ 84,000 | $ 50,000 |
| Dawson County Georgia | 5 | $ 750,000 | $ 150,000 | $ 49,000 |
| Hall County Georgia | 5 | $ 1,115,000 | $ 223,000 | $ 70,000 |
| Pickens County Georgia | 5 | $ 679,000 | $ 135,000 | $ 172,000 |
| Catawba County North Carolina | 5 | $ 606,000 | $ 121,000 | $ 66,000 |
| Fulton County Arkansas | 4 | $ 643,000 | $ 160,000 | $ 90,000 |
| Pike County Arkansas | 4 | $ 1,893,000 | $ 473,000 | $ 31,000 |
| Heard County Georgia | 4 | $ 83,000 | $ 20,000 | $ 57,000 |
| McIntosh County Georgia | 4 | $ 1,008,000 | $ 252,000 | $ 179,000 |
| Sequoyah County Oklahoma | 4 | $ 569,000 | $ 142,000 | $ 183,000 |
| Rockwall County Texas | 4 | $ 799,000 | $ 199,000 | $ 88,000 |
| Greene County Arkansas | 3 | $ 237,000 | $ 79,000 | $ 55,000 |
| Lafayette County Arkansas | 3 | $ 10,000 | $ 3,000 | $ 25,000 |
| Montgomery County Arkansas | 3 | $ 391,000 | $ 130,000 | $ 98,000 |
| Perry County Arkansas | 3 | $ 291,000 | $ 97,000 | $ 53,000 |
| Stone County Arkansas | 3 | $ 354,000 | $ 118,000 | $ 55,000 |
| Monroe County Florida | 3 | $ 2,345,000 | $ 781,000 | $ 201,000 |
| Palm Beach County Florida | 3 | $ 2,014,000 | $ 671,000 | $ 87,000 |
| Pike County Georgia | 3 | $ 252,000 | $ 84,000 | $ 14,000 |
| Rabun County Georgia | 3 | $ 1,527,000 | $ 509,000 | $ 233,000 |
| Rockdale County Georgia | 3 | $ 290,000 | $ 96,000 | $ 27,000 |
| Seminole County Georgia | 3 | $ 130,000 | $ 43,000 | $ 74,000 |
| Delaware County Oklahoma | 3 | $ 1,604,000 | $ 534,000 | $ 57,000 |
| Hunt County Texas | 3 | $ 488,000 | $ 162,000 | $ 105,000 |
| San Jacinto County Texas | 3 | $ 263,000 | $ 87,000 | $ 134,000 |
| Baldwin County Alabama | 2 | $ 652,000 | $ 326,000 | $ 192,000 |
| Howard County Arkansas | 2 | $ 260,000 | $ 130,000 | $ 71,000 |
| Little River County Arkansas | 2 | $ 181,000 | $ 90,000 | $ 102,000 |
| Sevier County Arkansas | 2 | $ 253,000 | $ 126,000 | $ 48,000 |
| Bay County Florida | 2 | $ 385,000 | $ 192,000 | $ 171,000 |
| Brevard County Florida | 2 | $ 684,000 | $ 342,000 | $ 0 |
| Holmes County Florida | 2 | $ 87,000 | $ 43,000 | $ 174,000 |
| Orange County Florida | 2 | $ 8,205,000 | $ 4,102,000 | $ 96,000 |
| Santa Rosa County Florida | 2 | $ 284,000 | $ 142,000 | $ 143,000 |
| St. Johns County Florida | 2 | $ 160,000 | $ 80,000 | $ 111,000 |
| Walton County Florida | 2 | $ 351,000 | $ 175,000 | $ 52,000 |
| Bibb County Georgia | 2 | $ 64,000 | $ 32,000 | $ 15,000 |
| Echols County Georgia | 2 | $ 164,000 | $ 82,000 | $ 27,000 |
| Elbert County Georgia | 2 | $ 207,000 | $ 103,000 | $ 78,000 |
| Mitchell County Georgia | 2 | $ 676,000 | $ 338,000 | $ 0 |
| Towns County Georgia | 2 | $ 747,000 | $ 373,000 | $ 268,000 |
| White County Georgia | 2 | $ 218,000 | $ 109,000 | $ 304,000 |
| Taney County Missouri | 2 | $ 259,000 | $ 129,000 | $ 56,000 |
| Brunswick County North Carolina | 2 | $ 477,000 | $ 238,000 | $ 374,000 |
| Chatham County North Carolina | 2 | $ 303,000 | $ 151,000 | $ 41,000 |
| Guilford County North Carolina | 2 | $ 174,000 | $ 87,000 | $ 39,000 |
| Iredell County North Carolina | 2 | $ 707,000 | $ 353,000 | $ 204,000 |
| Union County North Carolina | 2 | $ 534,000 | $ 267,000 | $ 96,000 |
| Charleston County South Carolina | 2 | $ 10,118,000 | $ 5,059,000 | $ 39,000 |
| Horry County South Carolina | 2 | $ 312,000 | $ 156,000 | $ 42,000 |
| Spartanburg County South Carolina | 2 | $ 440,000 | $ 220,000 | $ 55,000 |
| York County South Carolina | 2 | $ 524,000 | $ 262,000 | $ 47,000 |
| Rutherford County Tennessee | 2 | $ 582,000 | $ 291,000 | $ 99,000 |
| Bastrop County Texas | 2 | $ 324,000 | $ 162,000 | $ 217,000 |
| Caldwell County Texas | 2 | $ 55,000 | $ 27,000 | $ 103,000 |
| Ellis County Texas | 2 | $ 600,000 | $ 300,000 | $ 73,000 |
| Grayson County Texas | 2 | $ 591,000 | $ 295,000 | $ 106,000 |
| Johnson County Texas | 2 | $ 303,000 | $ 151,000 | $ 64,000 |
| Wise County Texas | 2 | $ 630,000 | $ 315,000 | $ 113,000 |
| Houston County Alabama | 1 | $ 4,000 | $ 4,000 | $ 13,000 |
| Randolph County Alabama | 1 | $ 3,000 | $ 3,000 | $ 50,000 |
| Russell County Alabama | 1 | $ 34,000 | $ 34,000 | $ 47,000 |
| Shelby County Alabama | 1 | $ 266,000 | $ 266,000 | $ 92,000 |
| Winston County Alabama | 1 | $ 330,000 | $ 330,000 | $ 292,000 |
| Cleveland County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Dallas County Arkansas | 1 | $ 116,000 | $ 116,000 | $ 81,000 |
| Grant County Arkansas | 1 | $ 89,000 | $ 89,000 | $ 68,000 |
| Independence County Arkansas | 1 | $ 238,000 | $ 238,000 | $ 237,000 |
| Izard County Arkansas | 1 | $ 40,000 | $ 40,000 | $ 96,000 |
| Jefferson County Arkansas | 1 | $ 10,000 | $ 10,000 | $ 61,000 |
| Lee County Arkansas | 1 | $ 3,000 | $ 3,000 | $ 69,000 |
| Clay County Florida | 1 | $ 60,000 | $ 60,000 | $ 30,000 |
| Collier County Florida | 1 | $ 950,000 | $ 950,000 | $ 1,920,000 |
| Duval County Florida | 1 | $ 200,000 | $ 200,000 | $ 328,000 |
| Gulf County Florida | 1 | $ 130,000 | $ 130,000 | $ 43,000 |
| Hernando County Florida | 1 | $ 165,000 | $ 165,000 | $ 445,000 |
| Madison County Florida | 1 | $ 3,000 | $ 3,000 | $ 28,000 |
| Okaloosa County Florida | 1 | $ 736,000 | $ 736,000 | $ 0 |
| Pasco County Florida | 1 | $ 56,000 | $ 56,000 | $ 21,000 |
| St. Lucie County Florida | 1 | $ 308,000 | $ 308,000 | $ 92,000 |
| Banks County Georgia | 1 | $ 11,000 | $ 11,000 | $ 47,000 |
| Brantley County Georgia | 1 | $ 10,000 | $ 10,000 | $ 44,000 |
| Brooks County Georgia | 1 | $ 31,000 | $ 31,000 | $ 61,000 |
| Chattooga County Georgia | 1 | $ 36,000 | $ 36,000 | $ 78,000 |
| Clarke County Georgia | 1 | $ 199,000 | $ 199,000 | $ 40,000 |
| Cook County Georgia | 1 | $ 57,000 | $ 57,000 | $ 52,000 |
| Early County Georgia | 1 | $ 16,000 | $ 16,000 | $ 28,000 |
| Franklin County Georgia | 1 | $ 40,000 | $ 40,000 | $ 24,000 |
| Habersham County Georgia | 1 | $ 195,000 | $ 195,000 | $ 157,000 |
| Lanier County Georgia | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Madison County Georgia | 1 | $ 120,000 | $ 120,000 | $ 79,000 |
| Miller County Georgia | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Newton County Georgia | 1 | $ 93,000 | $ 93,000 | $ 51,000 |
| Oconee County Georgia | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Polk County Georgia | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Richmond County Georgia | 1 | $ 54,000 | $ 54,000 | $ 51,000 |
| Spalding County Georgia | 1 | $ 93,000 | $ 93,000 | $ 17,000 |
| Talbot County Georgia | 1 | $ 4,000 | $ 4,000 | $ 16,000 |
| Walton County Georgia | 1 | $ 296,000 | $ 296,000 | $ 174,000 |
| Madison County Indiana | 1 | $ 136,000 | $ 136,000 | $ 74,000 |
| Sedgwick County Kansas | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Jefferson County Kentucky | 1 | $ 168,000 | $ 168,000 | $ 53,000 |
| Bossier County Louisiana | 1 | $ 112,000 | $ 112,000 | $ 51,000 |
| Claiborne County Louisiana | 1 | $ 59,000 | $ 59,000 | $ 53,000 |
| Webster County Louisiana | 1 | $ 14,000 | $ 14,000 | $ 70,000 |
| Ingham County Michigan | 1 | $ 278,000 | $ 278,000 | $ 119,000 |
| Kent County Michigan | 1 | $ 164,000 | $ 164,000 | $ 100,000 |
| Ottawa County Michigan | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Greene County Missouri | 1 | $ 140,000 | $ 140,000 | $ 288,000 |
| Jackson County Missouri | 1 | $ 70,000 | $ 70,000 | $ 76,000 |
| McDonald County Missouri | 1 | $ 81,000 | $ 81,000 | $ 59,000 |
| Phelps County Missouri | 1 | $ 58,000 | $ 58,000 | $ 837,000 |
| Platte County Missouri | 1 | $ 323,000 | $ 323,000 | $ 170,000 |
| St. Louis City County Missouri | 1 | $ 219,000 | $ 219,000 | $ 124,000 |
| Stone County Missouri | 1 | $ 169,000 | $ 169,000 | $ 46,000 |
| Essex County New Jersey | 1 | $ 339,000 | $ 339,000 | $ 148,000 |
| Kings County New York | 1 | $ 1,675,000 | $ 1,675,000 | $ 0 |
| Queens County New York | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Cherokee County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
| Dare County North Carolina | 1 | $ 340,000 | $ 340,000 | $ 132,000 |
| Haywood County North Carolina | 1 | $ 117,000 | $ 117,000 | $ 32,000 |
| Henderson County North Carolina | 1 | $ 309,000 | $ 309,000 | $ 130,000 |
| Jackson County North Carolina | 1 | $ 683,000 | $ 683,000 | $ 0 |
| Macon County North Carolina | 1 | $ 52,000 | $ 52,000 | $ 206,000 |
| Mitchell County North Carolina | 1 | $ 49,000 | $ 49,000 | $ 35,000 |
| Polk County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 59,000 |
| Rockingham County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 50,000 |
| Stokes County North Carolina | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Wake County North Carolina | 1 | $ 1,747,000 | $ 1,747,000 | $ 0 |
| Watauga County North Carolina | 1 | $ 293,000 | $ 293,000 | $ 101,000 |
| Yadkin County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Canadian County Oklahoma | 1 | $ 210,000 | $ 210,000 | $ 13,000 |
| McCurtain County Oklahoma | 1 | $ 1,912,000 | $ 1,912,000 | $ 30,000 |
| Anderson County South Carolina | 1 | $ 337,000 | $ 337,000 | $ 601,000 |
| Cherokee County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Greenville County South Carolina | 1 | $ 98,000 | $ 98,000 | $ 29,000 |
| Lancaster County South Carolina | 1 | $ 283,000 | $ 283,000 | $ 100,000 |
| Oconee County South Carolina | 1 | $ 43,000 | $ 43,000 | $ 33,000 |
| Bexar County Texas | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Brazoria County Texas | 1 | $ 268,000 | $ 268,000 | $ 74,000 |
| Comal County Texas | 1 | $ 345,000 | $ 345,000 | $ 94,000 |
| McLennan County Texas | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Smith County Texas | 1 | $ 101,000 | $ 101,000 | $ 81,000 |
| Wood County Texas | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Bank Of The Ozarks 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 | 2,255 | $380,970,000 | $168,000 | $10,000,000 | $79,000 | $3,987,000 |
| Refinancing | 921 | $157,295,000 | $170,000 | $8,025,000 | $78,000 | $1,036,000 |
| Home Improvement | 453 | $24,412,000 | $53,000 | $6,000,000 | $69,000 | $2,140,000 |
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 | 2,442 | $375,558,000 | $153,000 | $8,025,000 | $96,000 | $3,987,000 |
| Not applicable | 607 | $102,083,000 | $168,000 | $10,000,000 | $0 | $0 |
| Black or African American | 264 | $31,465,000 | $119,000 | $2,960,000 | $70,000 | $1,301,000 |
| Hispanic | 128 | $15,895,000 | $124,000 | $410,000 | $75,000 | $1,536,000 |
| Asian | 100 | $23,918,000 | $239,000 | $1,912,000 | $119,000 | $1,069,000 |
| Not Provided | 73 | $12,155,000 | $166,000 | $1,613,000 | $107,000 | $1,094,000 |
| American Indian or Alaskan Native | 14 | $1,495,000 | $106,000 | $300,000 | $75,000 | $242,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $108,000 | $108,000 | $108,000 | $21,000 | $21,000 |
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) | 3,069 | $476,684,000 | $155,000 | $10,000,000 | $81,000 | $3,987,000 |
| FHA-insured (Federal Housing Administration) | 322 | $47,470,000 | $147,000 | $349,000 | $60,000 | $244,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 129 | $15,850,000 | $122,000 | $285,000 | $42,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 109 | $22,673,000 | $208,000 | $857,000 | $86,000 | $508,000 |
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 | 2,504 | $394,725,000 | $157,000 | $10,000,000 | $80,000 | $3,987,000 |
| Application Denied By Financial Institution | 621 | $69,837,000 | $112,000 | $6,000,000 | $61,000 | $1,800,000 |
| Application Withdrawn By Applicant | 355 | $78,571,000 | $221,000 | $8,025,000 | $97,000 | $1,920,000 |
| Loan Purchased By The Institution | 118 | $15,601,000 | $132,000 | $351,000 | $46,000 | $244,000 |
| Application Approved But Not Accepted | 31 | $3,943,000 | $127,000 | $538,000 | $110,000 | $582,000 |
| File Closed For Incompleteness | 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 | 285 | $20,545,000 | $72,000 | $857,000 | $57,000 | $557,000 |
| Debt-To-Income Ratio | 213 | $29,749,000 | $139,000 | $6,000,000 | $60,000 | $1,800,000 |
| Collateral | 54 | $7,781,000 | $144,000 | $1,200,000 | $86,000 | $625,000 |
| Credit Application Incomplete | 28 | $7,194,000 | $256,000 | $3,350,000 | $71,000 | $258,000 |
| Other | 16 | $1,655,000 | $103,000 | $520,000 | $66,000 | $243,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,110,000 | $123,000 | $595,000 | $40,000 | $78,000 |
| Employment History | 8 | $918,000 | $114,000 | $200,000 | $43,000 | $84,000 |
| Unverifiable Information | 4 | $339,000 | $84,000 | $233,000 | $47,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The Ozarks'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 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.