Bank of the Ozarks Mortgage Lending & HMDA Data, 2014
In 2014, Bank of the Ozarks of Little Rock, AR reported 2,492 mortgage applications totaling $404.3 million, up 18% from 2013. The average application was for $162,256, and applicants reported an average income of $78,544. 70% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (666), Dallas-Plano-Irving, TX (271) and Hot Springs, AR (186) (applications in parentheses).
| 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 | 2,492 |
| Total Mortgage Loan Application Amount | $404,342,000 |
| Average Mortgage Loan Application Amount | $162,256 |
| Highest Mortgage Loan Application Amount | $29,173,000 |
| Average Applicant Income | $78,544 |
| Highest Applicant Income | $2,662,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of the Ozarks filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Little Rock-North Little Rock-Conway, AR | 666 | $ 112,190,000 | $ 168,453 | $ 69,000 |
| Dallas-Plano-Irving, TX | 271 | $ 59,876,000 | $ 220,944 | $ 119,000 |
| Hot Springs, AR | 186 | $ 28,940,000 | $ 155,591 | $ 94,000 |
| Charlotte-Concord-Gastonia, NC-SC | 133 | $ 21,334,000 | $ 160,406 | $ 88,887 |
| Atlanta-Sandy Springs-Roswell, GA | 105 | $ 44,302,000 | $ 421,923 | $ 74,000 |
| Fort Smith, AR-OK | 98 | $ 13,056,000 | $ 133,224 | $ 59,020 |
| Fayetteville-Springdale-Rogers, AR-MO | 95 | $ 16,943,000 | $ 178,347 | $ 84,000 |
| Valdosta, GA | 48 | $ 3,270,000 | $ 68,125 | $ 47,000 |
| Dothan, AL | 34 | $ 1,800,000 | $ 52,941 | $ 52,000 |
| Fort Worth-Arlington, TX | 30 | $ 4,997,000 | $ 166,566 | $ 107,000 |
| Texarkana, TX-AR | 24 | $ 2,751,000 | $ 114,625 | $ 67,333 |
| Brunswick, GA | 21 | $ 3,594,000 | $ 171,142 | $ 84,000 |
| Austin-Round Rock, TX | 12 | $ 2,984,000 | $ 248,666 | $ 136,000 |
| Mobile, AL | 9 | $ 1,476,000 | $ 164,000 | $ 68,000 |
| Wilmington, NC | 8 | $ 2,568,000 | $ 321,000 | $ 117,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 1,304,000 | $ 186,285 | $ 137,000 |
| Ocala, FL | 7 | $ 487,000 | $ 69,571 | $ 117,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,698,000 | $ 283,000 | $ 111,000 |
| San Antonio-New Braunfels, TX | 6 | $ 3,176,000 | $ 529,333 | $ 83,000 |
| Savannah, GA | 6 | $ 3,631,000 | $ 605,166 | $ 305,000 |
| Gainesville, GA | 5 | $ 545,000 | $ 109,000 | $ 60,000 |
| Rome, GA | 5 | $ 388,000 | $ 77,600 | $ 57,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 231,000 | $ 57,750 | $ 28,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 996,000 | $ 249,000 | $ 113,000 |
| Athens-Clarke County, GA | 3 | $ 555,000 | $ 185,000 | $ 72,000 |
| Kansas City, MO-KS | 3 | $ 259,000 | $ 86,333 | $ 47,000 |
| Sherman-Denison, TX | 3 | $ 925,000 | $ 308,333 | $ 135,000 |
| Camden, NJ | 2 | $ 531,000 | $ 265,500 | $ 153,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 536,000 | $ 268,000 | $ 71,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 143,000 | $ 71,500 | $ 50,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 420,000 | $ 210,000 | $ 95,000 |
| Jonesboro, AR | 2 | $ 405,000 | $ 202,500 | $ 40,000 |
| Memphis, TN-MS-AR | 2 | $ 288,000 | $ 144,000 | $ 161,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 634,000 | $ 317,000 | $ 104,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 320,000 | $ 160,000 | $ 110,000 |
| Richmond, VA | 2 | $ 885,000 | $ 442,500 | $ 244,000 |
| Spartanburg, SC | 2 | $ 699,000 | $ 349,500 | $ 14,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 143,000 | $ 143,000 | $ 100,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 138,000 | $ 138,000 | $ 601,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 325,000 | $ 325,000 | $ 15,000 |
| Cape Girardeau, MO-IL | 1 | $ 119,000 | $ 119,000 | $ 40,000 |
| Charleston-North Charleston, SC | 1 | $ 197,000 | $ 197,000 | $ 89,000 |
| Chattanooga, TN-GA | 1 | $ 140,000 | $ 140,000 | $ 56,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 112,000 | $ 112,000 | $ 71,000 |
| Cleveland, TN | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Columbia, SC | 1 | $ 139,000 | $ 139,000 | $ 87,000 |
| Flint, MI | 1 | $ 95,000 | $ 95,000 | $ 76,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 217,000 | $ 217,000 | $ 69,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Hinesville, GA | 1 | $ 116,000 | $ 116,000 | $ 87,000 |
| Jacksonville, FL | 1 | $ 1,454,000 | $ 1,454,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 250,000 | $ 250,000 | $ 85,000 |
| Lubbock, TX | 1 | $ 155,000 | $ 155,000 | $ 175,000 |
| Nassau County-Suffolk County, NY | 1 | $ 145,000 | $ 145,000 | $ 178,000 |
| Ogden-Clearfield, UT | 1 | $ 221,000 | $ 221,000 | $ 89,000 |
| Oklahoma City, OK | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| Pine Bluff, AR | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| Raleigh, NC | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 372,000 | $ 372,000 | $ 148,000 |
| Springfield, MO | 1 | $ 156,000 | $ 156,000 | $ 44,000 |
| St. Louis, MO-IL | 1 | $ 417,000 | $ 417,000 | $ 177,000 |
| Toledo, OH | 1 | $ 106,000 | $ 106,000 | $ 109,000 |
| Trenton, NJ | 1 | $ 142,000 | $ 142,000 | $ 64,000 |
| Tulsa, OK | 1 | $ 2,156,000 | $ 2,156,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 56,000 | $ 56,000 | $ 182,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 240,000 | $ 240,000 | $ 83,000 |
| Wichita, KS | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Bank of the Ozarks in 2014
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 | 1,527 | $272,752,000 | $178,000 | $29,173,000 | $79,000 | $1,511,000 |
| Refinancing | 712 | $120,964,000 | $169,000 | $2,156,000 | $87,000 | $2,662,000 |
| Home Improvement | 253 | $10,626,000 | $42,000 | $656,000 | $52,000 | $278,000 |
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 | 1,964 | $279,174,000 | $142,000 | $1,610,000 | $85,000 | $2,662,000 |
| Not applicable | 187 | $76,169,000 | $407,000 | $29,173,000 | $0 | $0 |
| Black or African American | 117 | $13,401,000 | $114,000 | $665,000 | $66,000 | $600,000 |
| Hispanic | 87 | $11,588,000 | $133,000 | $417,000 | $86,000 | $752,000 |
| Asian | 83 | $16,966,000 | $204,000 | $664,000 | $118,000 | $644,000 |
| Not Provided | 48 | $6,723,000 | $140,000 | $417,000 | $83,000 | $528,000 |
| American Indian or Alaskan Native | 4 | $111,000 | $27,000 | $65,000 | $49,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $210,000 | $105,000 | $171,000 | $107,000 | $191,000 |
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) | 2,018 | $339,064,000 | $168,000 | $29,173,000 | $84,000 | $2,662,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 185 | $20,705,000 | $111,000 | $245,000 | $40,000 | $87,000 |
| FHA-insured (Federal Housing Administration) | 175 | $24,604,000 | $140,000 | $349,000 | $69,000 | $521,000 |
| VA-guaranteed (Veterans Administration) | 114 | $19,969,000 | $175,000 | $558,000 | $60,000 | $154,000 |
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 | 1,741 | $291,285,000 | $167,000 | $29,173,000 | $80,000 | $1,511,000 |
| Application Denied By Financial Institution | 423 | $51,750,000 | $122,000 | $1,610,000 | $63,000 | $1,200,000 |
| Application Withdrawn By Applicant | 304 | $56,349,000 | $185,000 | $1,500,000 | $96,000 | $2,662,000 |
| Application Approved But Not Accepted | 24 | $4,958,000 | $206,000 | $1,454,000 | $67,000 | $279,000 |
| 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 | 193 | $17,510,000 | $90,000 | $1,610,000 | $50,000 | $664,000 |
| Debt-To-Income Ratio | 97 | $12,870,000 | $132,000 | $980,000 | $53,000 | $460,000 |
| Collateral | 48 | $6,045,000 | $125,000 | $585,000 | $78,000 | $233,000 |
| Credit Application Incomplete | 43 | $8,262,000 | $192,000 | $770,000 | $127,000 | $1,200,000 |
| Other | 13 | $2,255,000 | $173,000 | $680,000 | $96,000 | $356,000 |
| Unverifiable Information | 10 | $1,679,000 | $167,000 | $293,000 | $49,000 | $122,000 |
| Employment History | 8 | $828,000 | $103,000 | $223,000 | $49,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,119,000 | $139,000 | $294,000 | $74,000 | $137,000 |
| Mortgage Insurance Denied | 1 | $87,000 | $87,000 | $87,000 | $82,000 | $82,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the Ozarks's 2014 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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