Bank Ozk
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Bank Ozk 2021 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 Ozk Po Box 8811 Little Rock, AR 72231 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 2,658 |
| Total Mortgage Loan Application Amount | $578,210,000 |
| Average Mortgage Loan Application Amount | $172,250 |
| Highest Mortgage Loan Application Amount | $7,855,000 |
| Average Applicant Income | $103,500 |
| Highest Applicant Income | $6,633,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Bank Ozk. 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 Ozk's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Bank Ozk'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 Ozk serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Ozk, 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 Ozk's mortgage activity for 2021.
| 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 | 163 | $ 38,785,000 | $ 237,000 | $ 61,000 |
| Pinellas County Florida | 154 | $ 47,830,000 | $ 310,000 | $ 185,000 |
| Manatee County Florida | 87 | $ 11,695,000 | $ 134,000 | $ 110,000 |
| Garland County Arkansas | 86 | $ 14,000,000 | $ 162,000 | $ 60,000 |
| Hillsborough County Florida | 67 | $ 20,985,000 | $ 313,000 | $ 133,000 |
| Miami-Dade County Florida | 59 | $ 36,905,000 | $ 625,000 | $ 167,000 |
| Fulton County Georgia | 55 | $ 13,005,000 | $ 236,000 | $ 91,000 |
| Dallas County Texas | 55 | $ 18,655,000 | $ 339,000 | $ 71,000 |
| Cleveland County North Carolina | 54 | $ 7,290,000 | $ 135,000 | $ 106,000 |
| Davidson County North Carolina | 52 | $ 14,130,000 | $ 271,000 | $ 78,000 |
| Saline County Arkansas | 50 | $ 6,420,000 | $ 128,000 | $ 104,000 |
| Franklin County Arkansas | 49 | $ 5,065,000 | $ 103,000 | $ 79,000 |
| Mecklenburg County North Carolina | 49 | $ 21,085,000 | $ 430,000 | $ 123,000 |
| Harris County Texas | 48 | $ 6,320,000 | $ 131,000 | $ 67,000 |
| Sebastian County Arkansas | 47 | $ 6,035,000 | $ 128,000 | $ 123,000 |
| Carroll County Georgia | 47 | $ 3,805,000 | $ 80,000 | $ 91,000 |
| Benton County Arkansas | 45 | $ 6,915,000 | $ 153,000 | $ 85,000 |
| Crawford County Arkansas | 43 | $ 2,285,000 | $ 53,000 | $ 58,000 |
| Faulkner County Arkansas | 43 | $ 9,595,000 | $ 223,000 | $ 76,000 |
| Forsyth County North Carolina | 39 | $ 7,075,000 | $ 181,000 | $ 172,000 |
| Hot Spring County Arkansas | 36 | $ 1,750,000 | $ 48,000 | $ 68,000 |
| Gaston County North Carolina | 36 | $ 5,460,000 | $ 151,000 | $ 299,000 |
| Barrow County Georgia | 35 | $ 2,615,000 | $ 74,000 | $ 84,000 |
| Lowndes County Georgia | 33 | $ 2,745,000 | $ 83,000 | $ 61,000 |
| Gilmer County Georgia | 32 | $ 2,640,000 | $ 82,000 | $ 70,000 |
| Haralson County Georgia | 29 | $ 2,495,000 | $ 86,000 | $ 60,000 |
| Fannin County Georgia | 28 | $ 4,960,000 | $ 177,000 | $ 86,000 |
| Van Buren County Arkansas | 27 | $ 2,455,000 | $ 90,000 | $ 92,000 |
| Bibb County Georgia | 27 | $ 3,755,000 | $ 139,000 | $ 50,000 |
| Randolph County North Carolina | 27 | $ 3,465,000 | $ 128,000 | $ 73,000 |
| Sarasota County Florida | 26 | $ 3,850,000 | $ 148,000 | $ 146,000 |
| Lee County Florida | 25 | $ 3,615,000 | $ 144,000 | $ 117,000 |
| Davie County North Carolina | 24 | $ 2,080,000 | $ 86,000 | $ 56,000 |
| Bexar County Texas | 24 | $ 5,280,000 | $ 220,000 | $ 0 |
| Lonoke County Arkansas | 23 | $ 3,075,000 | $ 133,000 | $ 43,000 |
| Pope County Arkansas | 23 | $ 3,605,000 | $ 156,000 | $ 64,000 |
| Broward County Florida | 22 | $ 10,670,000 | $ 485,000 | $ 123,000 |
| Baxter County Arkansas | 21 | $ 2,485,000 | $ 118,000 | $ 70,000 |
| Charlotte County Florida | 21 | $ 3,665,000 | $ 174,000 | $ 101,000 |
| Marion County Florida | 21 | $ 1,945,000 | $ 92,000 | $ 72,000 |
| Gwinnett County Georgia | 20 | $ 2,850,000 | $ 142,000 | $ 96,000 |
| Johnson County Arkansas | 19 | $ 1,395,000 | $ 73,000 | $ 55,000 |
| Washington County Arkansas | 19 | $ 4,355,000 | $ 229,000 | $ 63,000 |
| Henry County Georgia | 19 | $ 4,435,000 | $ 233,000 | $ 75,000 |
| Clayton County Georgia | 18 | $ 8,070,000 | $ 448,000 | $ 48,000 |
| Boone County Arkansas | 17 | $ 1,375,000 | $ 80,000 | $ 47,000 |
| Coweta County Georgia | 17 | $ 3,435,000 | $ 202,000 | $ 144,000 |
| DeKalb County Georgia | 17 | $ 3,635,000 | $ 213,000 | $ 57,000 |
| Cherokee County Georgia | 16 | $ 1,460,000 | $ 91,000 | $ 87,000 |
| Douglas County Georgia | 16 | $ 2,230,000 | $ 139,000 | $ 82,000 |
| Paulding County Georgia | 16 | $ 2,520,000 | $ 157,000 | $ 91,000 |
| Rutherford County North Carolina | 15 | $ 1,075,000 | $ 71,000 | $ 78,000 |
| Travis County Texas | 15 | $ 15,175,000 | $ 1,011,000 | $ 2,507,000 |
| Duval County Florida | 14 | $ 3,050,000 | $ 217,000 | $ 53,000 |
| Forsyth County Georgia | 14 | $ 1,480,000 | $ 105,000 | $ 126,000 |
| Heard County Georgia | 14 | $ 830,000 | $ 59,000 | $ 50,000 |
| Logan County Arkansas | 13 | $ 1,035,000 | $ 79,000 | $ 50,000 |
| Pasco County Florida | 13 | $ 1,625,000 | $ 125,000 | $ 97,000 |
| Cobb County Georgia | 13 | $ 3,955,000 | $ 304,000 | $ 103,000 |
| Decatur County Georgia | 13 | $ 475,000 | $ 36,000 | $ 66,000 |
| Tarrant County Texas | 13 | $ 2,745,000 | $ 211,000 | $ 53,000 |
| Chatham County Georgia | 11 | $ 2,355,000 | $ 214,000 | $ 78,000 |
| Dawson County Georgia | 11 | $ 635,000 | $ 57,000 | $ 71,000 |
| Jackson County Georgia | 11 | $ 1,405,000 | $ 127,000 | $ 94,000 |
| Searcy County Arkansas | 10 | $ 690,000 | $ 69,000 | $ 63,000 |
| Jefferson County Arkansas | 9 | $ 2,105,000 | $ 233,000 | $ 48,000 |
| Miller County Arkansas | 9 | $ 935,000 | $ 103,000 | $ 72,000 |
| Habersham County Georgia | 9 | $ 595,000 | $ 66,000 | $ 90,000 |
| Rockdale County Georgia | 9 | $ 1,885,000 | $ 209,000 | $ 106,000 |
| Walton County Georgia | 9 | $ 775,000 | $ 86,000 | $ 169,000 |
| Guilford County North Carolina | 9 | $ 1,995,000 | $ 221,000 | $ 32,000 |
| Burnet County Texas | 9 | $ 3,525,000 | $ 391,000 | $ 356,000 |
| Hempstead County Arkansas | 8 | $ 400,000 | $ 50,000 | $ 52,000 |
| White County Arkansas | 8 | $ 2,100,000 | $ 262,000 | $ 135,000 |
| Orange County Florida | 8 | $ 3,690,000 | $ 461,000 | $ 238,000 |
| Bartow County Georgia | 8 | $ 450,000 | $ 56,000 | $ 57,000 |
| Lumpkin County Georgia | 8 | $ 770,000 | $ 96,000 | $ 80,000 |
| Union County Georgia | 8 | $ 930,000 | $ 116,000 | $ 375,000 |
| Cabarrus County North Carolina | 8 | $ 1,490,000 | $ 186,000 | $ 72,000 |
| Lincoln County North Carolina | 8 | $ 1,090,000 | $ 136,000 | $ 60,000 |
| Bowie County Texas | 8 | $ 3,860,000 | $ 482,000 | $ 74,000 |
| Palm Beach County Florida | 7 | $ 7,185,000 | $ 1,026,000 | $ 1,231,000 |
| St. Johns County Florida | 7 | $ 955,000 | $ 136,000 | $ 161,000 |
| Whitfield County Georgia | 7 | $ 585,000 | $ 83,000 | $ 37,000 |
| Volusia County Florida | 6 | $ 630,000 | $ 105,000 | $ 112,000 |
| Muscogee County Georgia | 6 | $ 660,000 | $ 110,000 | $ 52,000 |
| Newton County Georgia | 6 | $ 730,000 | $ 121,000 | $ 41,000 |
| New Hanover County North Carolina | 6 | $ 1,790,000 | $ 298,000 | $ 54,000 |
| Rowan County North Carolina | 6 | $ 2,100,000 | $ 350,000 | $ 80,000 |
| Cleburne County Arkansas | 5 | $ 755,000 | $ 151,000 | $ 100,000 |
| Conway County Arkansas | 5 | $ 235,000 | $ 47,000 | $ 70,000 |
| Newton County Arkansas | 5 | $ 185,000 | $ 37,000 | $ 59,000 |
| Collier County Florida | 5 | $ 1,825,000 | $ 365,000 | $ 105,000 |
| Levy County Florida | 5 | $ 1,495,000 | $ 299,000 | $ 171,000 |
| Polk County Florida | 5 | $ 5,815,000 | $ 1,163,000 | $ 195,000 |
| Fayette County Georgia | 5 | $ 1,215,000 | $ 243,000 | $ 99,000 |
| Floyd County Georgia | 5 | $ 185,000 | $ 37,000 | $ 51,000 |
| Glynn County Georgia | 5 | $ 325,000 | $ 65,000 | $ 93,000 |
| Grady County Georgia | 5 | $ 105,000 | $ 21,000 | $ 61,000 |
| Hall County Georgia | 5 | $ 945,000 | $ 189,000 | $ 98,000 |
| Collin County Texas | 5 | $ 1,475,000 | $ 295,000 | $ 53,000 |
| Denton County Texas | 5 | $ 3,235,000 | $ 647,000 | $ 0 |
| Kaufman County Texas | 5 | $ 975,000 | $ 195,000 | $ 0 |
| Stone County Arkansas | 4 | $ 130,000 | $ 32,000 | $ 49,000 |
| Bay County Florida | 4 | $ 790,000 | $ 197,000 | $ 177,000 |
| Clarke County Georgia | 4 | $ 3,980,000 | $ 995,000 | $ 67,000 |
| Echols County Georgia | 4 | $ 60,000 | $ 15,000 | $ 28,000 |
| Elbert County Georgia | 4 | $ 810,000 | $ 202,000 | $ 129,000 |
| Murray County Georgia | 4 | $ 230,000 | $ 57,000 | $ 95,000 |
| Spalding County Georgia | 4 | $ 430,000 | $ 107,000 | $ 127,000 |
| Buncombe County North Carolina | 4 | $ 1,840,000 | $ 460,000 | $ 387,000 |
| Carroll County Arkansas | 3 | $ 525,000 | $ 175,000 | $ 114,000 |
| Marion County Arkansas | 3 | $ 185,000 | $ 61,000 | $ 85,000 |
| Nevada County Arkansas | 3 | $ 255,000 | $ 85,000 | $ 50,000 |
| Perry County Arkansas | 3 | $ 415,000 | $ 138,000 | $ 153,000 |
| Bulloch County Georgia | 3 | $ 165,000 | $ 55,000 | $ 19,000 |
| Gordon County Georgia | 3 | $ 275,000 | $ 91,000 | $ 42,000 |
| Greene County Georgia | 3 | $ 925,000 | $ 308,000 | $ 108,000 |
| Oconee County Georgia | 3 | $ 245,000 | $ 81,000 | $ 87,000 |
| Towns County Georgia | 3 | $ 305,000 | $ 101,000 | $ 47,000 |
| Troup County Georgia | 3 | $ 105,000 | $ 35,000 | $ 65,000 |
| White County Georgia | 3 | $ 1,065,000 | $ 355,000 | $ 215,000 |
| McDonald County Missouri | 3 | $ 185,000 | $ 61,000 | $ 0 |
| Alamance County North Carolina | 3 | $ 825,000 | $ 275,000 | $ 0 |
| Brunswick County North Carolina | 3 | $ 195,000 | $ 65,000 | $ 45,000 |
| Iredell County North Carolina | 3 | $ 3,255,000 | $ 1,085,000 | $ 0 |
| Beaufort County South Carolina | 3 | $ 8,215,000 | $ 2,738,000 | $ 191,000 |
| McLennan County Texas | 3 | $ 875,000 | $ 291,000 | $ 140,000 |
| Mobile County Alabama | 2 | $ 100,000 | $ 50,000 | $ 138,000 |
| Grant County Arkansas | 2 | $ 100,000 | $ 50,000 | $ 115,000 |
| Yell County Arkansas | 2 | $ 430,000 | $ 215,000 | $ 79,000 |
| Clay County Florida | 2 | $ 1,020,000 | $ 510,000 | $ 133,000 |
| Flagler County Florida | 2 | $ 230,000 | $ 115,000 | $ 107,000 |
| Hendry County Florida | 2 | $ 1,810,000 | $ 905,000 | $ 550,000 |
| Madison County Florida | 2 | $ 20,000 | $ 10,000 | $ 24,000 |
| Nassau County Florida | 2 | $ 120,000 | $ 60,000 | $ 71,000 |
| Seminole County Florida | 2 | $ 110,000 | $ 55,000 | $ 175,000 |
| Suwannee County Florida | 2 | $ 150,000 | $ 75,000 | $ 89,000 |
| Butts County Georgia | 2 | $ 3,450,000 | $ 1,725,000 | $ 0 |
| Harris County Georgia | 2 | $ 60,000 | $ 30,000 | $ 75,000 |
| Jones County Georgia | 2 | $ 80,000 | $ 40,000 | $ 102,000 |
| Meriwether County Georgia | 2 | $ 970,000 | $ 485,000 | $ 147,000 |
| Morgan County Georgia | 2 | $ 470,000 | $ 235,000 | $ 73,000 |
| Pike County Georgia | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Wake County North Carolina | 2 | $ 1,080,000 | $ 540,000 | $ 0 |
| Oklahoma County Oklahoma | 2 | $ 50,000 | $ 25,000 | $ 33,000 |
| Horry County South Carolina | 2 | $ 640,000 | $ 320,000 | $ 0 |
| Richland County South Carolina | 2 | $ 1,650,000 | $ 825,000 | $ 0 |
| Polk County Tennessee | 2 | $ 800,000 | $ 400,000 | $ 115,000 |
| Cleburne County Alabama | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Etowah County Alabama | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Jefferson County Alabama | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Randolph County Alabama | 1 | $ 25,000 | $ 25,000 | $ 5,000 |
| Clark County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Columbia County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Craighead County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Izard County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Lafayette County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Madison County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Scott County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Sevier County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 108,000 |
| Union County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Brevard County Florida | 1 | $ 1,985,000 | $ 1,985,000 | $ 0 |
| Citrus County Florida | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| DeSoto County Florida | 1 | $ 155,000 | $ 155,000 | $ 262,000 |
| Escambia County Florida | 1 | $ 755,000 | $ 755,000 | $ 337,000 |
| Hamilton County Florida | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Hernando County Florida | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Lake County Florida | 1 | $ 3,755,000 | $ 3,755,000 | $ 0 |
| Monroe County Florida | 1 | $ 985,000 | $ 985,000 | $ 146,000 |
| Walton County Florida | 1 | $ 2,105,000 | $ 2,105,000 | $ 313,000 |
| Baldwin County Georgia | 1 | $ 2,955,000 | $ 2,955,000 | $ 0 |
| Banks County Georgia | 1 | $ 55,000 | $ 55,000 | $ 129,000 |
| Ben Hill County Georgia | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Brooks County Georgia | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Camden County Georgia | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Dougherty County Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Effingham County Georgia | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Madison County Georgia | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| McIntosh County Georgia | 1 | $ 105,000 | $ 105,000 | $ 19,000 |
| Peach County Georgia | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Pickens County Georgia | 1 | $ 15,000 | $ 15,000 | $ 47,000 |
| Polk County Georgia | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Rabun County Georgia | 1 | $ 55,000 | $ 55,000 | $ 250,000 |
| Upson County Georgia | 1 | $ 25,000 | $ 25,000 | $ 158,000 |
| Washington County Georgia | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
| Taney County Missouri | 1 | $ 55,000 | $ 55,000 | $ 127,000 |
| Kings County New York | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Onondaga County New York | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Ashe County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 256,000 |
| Cherokee County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Clay County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Edgecombe County North Carolina | 1 | $ 455,000 | $ 455,000 | $ 42,000 |
| Henderson County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 186,000 |
| Jackson County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Johnston County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pitt County North Carolina | 1 | $ 555,000 | $ 555,000 | $ 137,000 |
| Stokes County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Watauga County North Carolina | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Le Flore County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Charleston County South Carolina | 1 | $ 4,205,000 | $ 4,205,000 | $ 0 |
| Cherokee County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Georgetown County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 133,000 |
| Spartanburg County South Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 735,000 | $ 735,000 | $ 564,000 |
| Shelby County Tennessee | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Bell County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Blanco County Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Brown County Texas | 1 | $ 2,275,000 | $ 2,275,000 | $ 0 |
| Comal County Texas | 1 | $ 185,000 | $ 185,000 | $ 950,000 |
| Ellis County Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Howard County Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Johnson County Texas | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Nueces County Texas | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Rockwall County Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Williamson County Texas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Henrico County Virginia | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank Ozk in 2021
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 | 1,384 | $410,090,000 | $296,000 | $7,855,000 | $123,000 | $6,633,000 |
| Home Improvement | 580 | $47,030,000 | $81,000 | $1,605,000 | $89,000 | $636,000 |
| Refinancing | 452 | $97,520,000 | $215,000 | $7,745,000 | $89,000 | $929,000 |
| Other Purpose | 242 | $23,570,000 | $97,000 | $1,405,000 | $113,000 | $5,851,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,267 | $165,675,000 | $130,000 | $7,505,000 | $102,000 | $1,855,000 |
| Not applicable | 664 | $279,910,000 | $421,000 | $7,855,000 | $0 | $0 |
| Black or African American | 304 | $49,220,000 | $161,000 | $685,000 | $60,000 | $280,000 |
| Not Provided | 212 | $51,070,000 | $240,000 | $3,405,000 | $166,000 | $6,633,000 |
| Hispanic | 172 | $24,650,000 | $143,000 | $1,205,000 | $79,000 | $636,000 |
| Asian | 29 | $6,655,000 | $229,000 | $1,405,000 | $541,000 | $5,851,000 |
| American Indian or Alaskan Native | 4 | $260,000 | $65,000 | $185,000 | $60,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $220,000 | $110,000 | $205,000 | $86,000 | $150,000 |
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) | 2,658 | $578,210,000 | $217,000 | $7,855,000 | $107,000 | $6,633,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,366 | $333,270,000 | $243,000 | $7,855,000 | $127,000 | $2,507,000 |
| Application Denied By Financial Institution | 904 | $143,370,000 | $158,000 | $7,505,000 | $82,000 | $6,633,000 |
| Application Withdrawn By Applicant | 334 | $89,340,000 | $267,000 | $4,805,000 | $128,000 | $5,851,000 |
| Application Approved But Not Accepted | 54 | $12,230,000 | $226,000 | $1,925,000 | $117,000 | $531,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,754 | $434,840,000 | $247,000 | $7,855,000 | $127,000 | $5,851,000 |
| Debt-To-Income Ratio | 391 | $79,065,000 | $202,000 | $7,505,000 | $85,000 | $6,633,000 |
| Credit History | 338 | $31,670,000 | $93,000 | $1,915,000 | $72,000 | $525,000 |
| Collateral | 98 | $18,970,000 | $193,000 | $3,225,000 | $107,000 | $636,000 |
| Credit Application Incomplete | 42 | $8,840,000 | $210,000 | $785,000 | $89,000 | $552,000 |
| Other | 13 | $1,395,000 | $107,000 | $235,000 | $86,000 | $162,000 |
| Unverifiable Information | 12 | $2,070,000 | $172,000 | $485,000 | $37,000 | $129,000 |
| Employment History | 6 | $610,000 | $101,000 | $155,000 | $40,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $750,000 | $187,000 | $345,000 | $87,000 | $115,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Ozk's 2021 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 Ozk'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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