Bank Ozk
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Bank Ozk 2022 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 | 2,281 |
| Total Mortgage Loan Application Amount | $624,375,000 |
| Average Mortgage Loan Application Amount | $231,500 |
| Highest Mortgage Loan Application Amount | $10,405,000 |
| Average Applicant Income | $121,000 |
| Highest Applicant Income | $7,800,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 137 | $ 27,645,000 | $ 201,000 | $ 125,000 |
| Pinellas County Florida | 137 | $ 43,985,000 | $ 321,000 | $ 159,000 |
| Manatee County Florida | 109 | $ 16,575,000 | $ 152,000 | $ 150,000 |
| Garland County Arkansas | 62 | $ 12,440,000 | $ 200,000 | $ 70,000 |
| Hillsborough County Florida | 60 | $ 22,830,000 | $ 380,000 | $ 148,000 |
| Cleveland County North Carolina | 59 | $ 7,245,000 | $ 122,000 | $ 88,000 |
| Dallas County Texas | 56 | $ 13,290,000 | $ 237,000 | $ 60,000 |
| Sarasota County Florida | 49 | $ 15,055,000 | $ 307,000 | $ 231,000 |
| Carroll County Georgia | 47 | $ 6,165,000 | $ 131,000 | $ 85,000 |
| Saline County Arkansas | 46 | $ 11,030,000 | $ 239,000 | $ 93,000 |
| Faulkner County Arkansas | 42 | $ 7,440,000 | $ 177,000 | $ 99,000 |
| Hot Spring County Arkansas | 40 | $ 3,310,000 | $ 82,000 | $ 67,000 |
| Benton County Arkansas | 37 | $ 5,805,000 | $ 156,000 | $ 205,000 |
| Davidson County North Carolina | 36 | $ 14,560,000 | $ 404,000 | $ 91,000 |
| Crawford County Arkansas | 34 | $ 3,290,000 | $ 96,000 | $ 79,000 |
| Franklin County Arkansas | 33 | $ 2,595,000 | $ 78,000 | $ 82,000 |
| Sebastian County Arkansas | 33 | $ 9,805,000 | $ 297,000 | $ 125,000 |
| Forsyth County Georgia | 31 | $ 7,165,000 | $ 231,000 | $ 118,000 |
| Lee County Florida | 29 | $ 7,755,000 | $ 267,000 | $ 278,000 |
| Randolph County North Carolina | 29 | $ 6,625,000 | $ 228,000 | $ 128,000 |
| Fannin County Georgia | 28 | $ 3,740,000 | $ 133,000 | $ 87,000 |
| Forsyth County North Carolina | 27 | $ 15,745,000 | $ 583,000 | $ 421,000 |
| Mecklenburg County North Carolina | 26 | $ 19,740,000 | $ 759,000 | $ 140,000 |
| Washington County Arkansas | 25 | $ 15,445,000 | $ 617,000 | $ 111,000 |
| Barrow County Georgia | 23 | $ 2,195,000 | $ 95,000 | $ 85,000 |
| Lowndes County Georgia | 23 | $ 7,135,000 | $ 310,000 | $ 53,000 |
| Charlotte County Florida | 22 | $ 4,590,000 | $ 208,000 | $ 143,000 |
| Marion County Florida | 22 | $ 1,290,000 | $ 58,000 | $ 55,000 |
| Gwinnett County Georgia | 22 | $ 6,400,000 | $ 290,000 | $ 104,000 |
| Bexar County Texas | 22 | $ 14,410,000 | $ 655,000 | $ 35,000 |
| Fulton County Georgia | 21 | $ 9,345,000 | $ 445,000 | $ 146,000 |
| Van Buren County Arkansas | 20 | $ 2,530,000 | $ 126,000 | $ 61,000 |
| DeKalb County Georgia | 20 | $ 7,200,000 | $ 360,000 | $ 142,000 |
| Tarrant County Texas | 20 | $ 9,590,000 | $ 479,000 | $ 84,000 |
| Pope County Arkansas | 19 | $ 1,925,000 | $ 101,000 | $ 65,000 |
| Searcy County Arkansas | 19 | $ 1,555,000 | $ 81,000 | $ 131,000 |
| Cherokee County Georgia | 19 | $ 3,385,000 | $ 178,000 | $ 122,000 |
| Haralson County Georgia | 19 | $ 1,565,000 | $ 82,000 | $ 68,000 |
| Gaston County North Carolina | 19 | $ 6,325,000 | $ 332,000 | $ 120,000 |
| Lonoke County Arkansas | 18 | $ 1,890,000 | $ 105,000 | $ 70,000 |
| Miami-Dade County Florida | 17 | $ 19,005,000 | $ 1,117,000 | $ 871,000 |
| Gilmer County Georgia | 17 | $ 2,645,000 | $ 155,000 | $ 106,000 |
| Harris County Texas | 17 | $ 11,255,000 | $ 662,000 | $ 115,000 |
| Pasco County Florida | 16 | $ 2,040,000 | $ 127,000 | $ 94,000 |
| Heard County Georgia | 15 | $ 1,395,000 | $ 93,000 | $ 69,000 |
| Davie County North Carolina | 15 | $ 1,455,000 | $ 97,000 | $ 77,000 |
| Guilford County North Carolina | 15 | $ 4,025,000 | $ 268,000 | $ 69,000 |
| Johnson County Arkansas | 14 | $ 870,000 | $ 62,000 | $ 52,000 |
| Bibb County Georgia | 14 | $ 1,910,000 | $ 136,000 | $ 79,000 |
| Coweta County Georgia | 14 | $ 2,110,000 | $ 150,000 | $ 68,000 |
| Walton County Georgia | 14 | $ 960,000 | $ 68,000 | $ 102,000 |
| Baxter County Arkansas | 13 | $ 935,000 | $ 71,000 | $ 67,000 |
| Newton County Arkansas | 13 | $ 675,000 | $ 51,000 | $ 43,000 |
| Cobb County Georgia | 13 | $ 2,315,000 | $ 178,000 | $ 176,000 |
| Union County Georgia | 13 | $ 1,465,000 | $ 112,000 | $ 92,000 |
| Travis County Texas | 13 | $ 15,005,000 | $ 1,154,000 | $ 0 |
| Boone County Arkansas | 12 | $ 700,000 | $ 58,000 | $ 45,000 |
| Duval County Florida | 12 | $ 5,430,000 | $ 452,000 | $ 134,000 |
| Houston County Georgia | 12 | $ 1,270,000 | $ 105,000 | $ 167,000 |
| Kaufman County Texas | 12 | $ 2,400,000 | $ 200,000 | $ 179,000 |
| Orange County Florida | 11 | $ 1,595,000 | $ 145,000 | $ 216,000 |
| Broward County Florida | 10 | $ 5,220,000 | $ 522,000 | $ 120,000 |
| Paulding County Georgia | 10 | $ 870,000 | $ 87,000 | $ 50,000 |
| Hempstead County Arkansas | 9 | $ 685,000 | $ 76,000 | $ 29,000 |
| Jefferson County Arkansas | 9 | $ 1,505,000 | $ 167,000 | $ 0 |
| Douglas County Georgia | 9 | $ 405,000 | $ 45,000 | $ 71,000 |
| Cabarrus County North Carolina | 9 | $ 5,795,000 | $ 643,000 | $ 82,000 |
| Bartow County Georgia | 8 | $ 1,520,000 | $ 190,000 | $ 83,000 |
| Dawson County Georgia | 8 | $ 870,000 | $ 108,000 | $ 84,000 |
| Glynn County Georgia | 8 | $ 970,000 | $ 121,000 | $ 142,000 |
| Hall County Georgia | 8 | $ 1,210,000 | $ 151,000 | $ 58,000 |
| Henry County Georgia | 8 | $ 1,150,000 | $ 143,000 | $ 88,000 |
| Jackson County Georgia | 8 | $ 1,420,000 | $ 177,000 | $ 114,000 |
| Whitfield County Georgia | 8 | $ 840,000 | $ 105,000 | $ 76,000 |
| Logan County Arkansas | 7 | $ 405,000 | $ 57,000 | $ 55,000 |
| Collier County Florida | 7 | $ 13,965,000 | $ 1,995,000 | $ 440,000 |
| Clarke County Georgia | 7 | $ 4,535,000 | $ 647,000 | $ 140,000 |
| Decatur County Georgia | 7 | $ 345,000 | $ 49,000 | $ 58,000 |
| Oconee County Georgia | 7 | $ 1,675,000 | $ 239,000 | $ 124,000 |
| Rutherford County North Carolina | 7 | $ 755,000 | $ 107,000 | $ 58,000 |
| Clayton County Georgia | 6 | $ 880,000 | $ 146,000 | $ 40,000 |
| Lumpkin County Georgia | 6 | $ 590,000 | $ 98,000 | $ 156,000 |
| Buncombe County North Carolina | 6 | $ 3,240,000 | $ 540,000 | $ 202,000 |
| Lincoln County North Carolina | 6 | $ 900,000 | $ 150,000 | $ 53,000 |
| Rowan County North Carolina | 6 | $ 710,000 | $ 118,000 | $ 85,000 |
| Collin County Texas | 6 | $ 1,680,000 | $ 280,000 | $ 87,000 |
| Nueces County Texas | 6 | $ 710,000 | $ 118,000 | $ 0 |
| Clark County Arkansas | 5 | $ 635,000 | $ 127,000 | $ 38,000 |
| Marion County Arkansas | 5 | $ 245,000 | $ 49,000 | $ 68,000 |
| St. Johns County Florida | 5 | $ 10,855,000 | $ 2,171,000 | $ 99,000 |
| Murray County Georgia | 5 | $ 235,000 | $ 47,000 | $ 85,000 |
| Pickens County Georgia | 5 | $ 385,000 | $ 77,000 | $ 122,000 |
| Bowie County Texas | 5 | $ 525,000 | $ 105,000 | $ 30,000 |
| Conway County Arkansas | 4 | $ 870,000 | $ 217,000 | $ 79,000 |
| Craighead County Arkansas | 4 | $ 11,300,000 | $ 2,825,000 | $ 0 |
| White County Arkansas | 4 | $ 310,000 | $ 77,000 | $ 43,000 |
| Clay County Florida | 4 | $ 320,000 | $ 80,000 | $ 97,000 |
| Levy County Florida | 4 | $ 720,000 | $ 180,000 | $ 178,000 |
| Polk County Florida | 4 | $ 500,000 | $ 125,000 | $ 137,000 |
| Banks County Georgia | 4 | $ 1,930,000 | $ 482,000 | $ 357,000 |
| Floyd County Georgia | 4 | $ 340,000 | $ 85,000 | $ 35,000 |
| Newton County Georgia | 4 | $ 470,000 | $ 117,000 | $ 244,000 |
| Rockdale County Georgia | 4 | $ 530,000 | $ 132,000 | $ 57,000 |
| Beaufort County South Carolina | 4 | $ 1,700,000 | $ 425,000 | $ 0 |
| Lancaster County South Carolina | 4 | $ 1,670,000 | $ 417,000 | $ 159,000 |
| Denton County Texas | 4 | $ 740,000 | $ 185,000 | $ 0 |
| Izard County Arkansas | 3 | $ 45,000 | $ 15,000 | $ 68,000 |
| DeSoto County Florida | 3 | $ 235,000 | $ 78,000 | $ 121,000 |
| Palm Beach County Florida | 3 | $ 875,000 | $ 291,000 | $ 148,000 |
| Seminole County Florida | 3 | $ 705,000 | $ 235,000 | $ 70,000 |
| St. Lucie County Florida | 3 | $ 305,000 | $ 101,000 | $ 158,000 |
| Fayette County Georgia | 3 | $ 1,155,000 | $ 385,000 | $ 102,000 |
| Madison County Georgia | 3 | $ 275,000 | $ 91,000 | $ 91,000 |
| Putnam County Georgia | 3 | $ 715,000 | $ 238,000 | $ 121,000 |
| Johnston County North Carolina | 3 | $ 615,000 | $ 205,000 | $ 0 |
| New Hanover County North Carolina | 3 | $ 2,235,000 | $ 745,000 | $ 0 |
| Pitt County North Carolina | 3 | $ 3,455,000 | $ 1,151,000 | $ 0 |
| Surry County North Carolina | 3 | $ 1,255,000 | $ 418,000 | $ 0 |
| Union County North Carolina | 3 | $ 705,000 | $ 235,000 | $ 115,000 |
| Calhoun County Alabama | 2 | $ 230,000 | $ 115,000 | $ 81,000 |
| Cherokee County Alabama | 2 | $ 150,000 | $ 75,000 | $ 113,000 |
| Cleburne County Arkansas | 2 | $ 380,000 | $ 190,000 | $ 99,000 |
| Grant County Arkansas | 2 | $ 60,000 | $ 30,000 | $ 64,000 |
| Miller County Arkansas | 2 | $ 300,000 | $ 150,000 | $ 74,000 |
| Nevada County Arkansas | 2 | $ 120,000 | $ 60,000 | $ 70,000 |
| Stone County Arkansas | 2 | $ 210,000 | $ 105,000 | $ 142,000 |
| Yell County Arkansas | 2 | $ 310,000 | $ 155,000 | $ 66,000 |
| Bay County Florida | 2 | $ 820,000 | $ 410,000 | $ 142,000 |
| Hendry County Florida | 2 | $ 1,270,000 | $ 635,000 | $ 225,000 |
| Osceola County Florida | 2 | $ 1,060,000 | $ 530,000 | $ 344,000 |
| Sumter County Florida | 2 | $ 1,120,000 | $ 560,000 | $ 0 |
| Chatham County Georgia | 2 | $ 220,000 | $ 110,000 | $ 39,000 |
| Crisp County Georgia | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Habersham County Georgia | 2 | $ 80,000 | $ 40,000 | $ 161,000 |
| Muscogee County Georgia | 2 | $ 270,000 | $ 135,000 | $ 37,000 |
| Pike County Georgia | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Spalding County Georgia | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Towns County Georgia | 2 | $ 180,000 | $ 90,000 | $ 145,000 |
| Troup County Georgia | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Jasper County Missouri | 2 | $ 260,000 | $ 130,000 | $ 0 |
| McDonald County Missouri | 2 | $ 220,000 | $ 110,000 | $ 75,000 |
| Brunswick County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 165,000 |
| Carteret County North Carolina | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Catawba County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 133,000 |
| Hoke County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Stanly County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Wake County North Carolina | 2 | $ 1,570,000 | $ 785,000 | $ 0 |
| Watauga County North Carolina | 2 | $ 2,470,000 | $ 1,235,000 | $ 0 |
| York County South Carolina | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Davidson County Tennessee | 2 | $ 5,410,000 | $ 2,705,000 | $ 532,000 |
| Shelby County Tennessee | 2 | $ 1,130,000 | $ 565,000 | $ 0 |
| Brazoria County Texas | 2 | $ 8,210,000 | $ 4,105,000 | $ 0 |
| Williamson County Texas | 2 | $ 960,000 | $ 480,000 | $ 249,000 |
| Baldwin County Alabama | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Cleburne County Alabama | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Lee County Alabama | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Randolph County Alabama | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Tuscaloosa County Alabama | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Ashley County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Greene County Arkansas | 1 | $ 1,515,000 | $ 1,515,000 | $ 0 |
| Independence County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 134,000 |
| Lafayette County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Montgomery County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Perry County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Scott County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 130,000 |
| Eagle County Colorado | 1 | $ 2,255,000 | $ 2,255,000 | $ 1,946,000 |
| Brevard County Florida | 1 | $ 75,000 | $ 75,000 | $ 435,000 |
| Escambia County Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Hamilton County Florida | 1 | $ 5,000 | $ 5,000 | $ 31,000 |
| Leon County Florida | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Madison County Florida | 1 | $ 35,000 | $ 35,000 | $ 150,000 |
| Santa Rosa County Florida | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Suwannee County Florida | 1 | $ 365,000 | $ 365,000 | $ 94,000 |
| Volusia County Florida | 1 | $ 575,000 | $ 575,000 | $ 575,000 |
| Walton County Florida | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Baldwin County Georgia | 1 | $ 3,255,000 | $ 3,255,000 | $ 0 |
| Brooks County Georgia | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Grady County Georgia | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Harris County Georgia | 1 | $ 15,000 | $ 15,000 | $ 137,000 |
| Lamar County Georgia | 1 | $ 145,000 | $ 145,000 | $ 11,000 |
| Monroe County Georgia | 1 | $ 45,000 | $ 45,000 | $ 73,000 |
| Morgan County Georgia | 1 | $ 155,000 | $ 155,000 | $ 106,000 |
| Polk County Georgia | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Quitman County Georgia | 1 | $ 45,000 | $ 45,000 | $ 17,000 |
| Seminole County Georgia | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| Talbot County Georgia | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| White County Georgia | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Jefferson County Kentucky | 1 | $ 3,695,000 | $ 3,695,000 | $ 0 |
| Bossier County Louisiana | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Buchanan County Missouri | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Ashe County North Carolina | 1 | $ 685,000 | $ 685,000 | $ 627,000 |
| Burke County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 12,000 |
| Caldwell County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Cherokee County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Cumberland County North Carolina | 1 | $ 4,575,000 | $ 4,575,000 | $ 0 |
| Edgecombe County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Richmond County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Stokes County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Wayne County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| McCurtain County Oklahoma | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Sequoyah County Oklahoma | 1 | $ 1,065,000 | $ 1,065,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Horry County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Oconee County South Carolina | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Richland County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bradley County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Polk County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 147,000 |
| Bell County Texas | 1 | $ 3,935,000 | $ 3,935,000 | $ 0 |
| Caldwell County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cass County Texas | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Freestone County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Hood County Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Johnson County Texas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| McLennan County Texas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Parker County Texas | 1 | $ 1,705,000 | $ 1,705,000 | $ 0 |
| Upshur County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Wood County Texas | 1 | $ 415,000 | $ 415,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for Bank Ozk in 2022
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 | 1,046 | $419,560,000 | $401,000 | $9,905,000 | $156,000 | $7,800,000 |
| Home Improvement | 627 | $59,135,000 | $94,000 | $1,755,000 | $112,000 | $1,139,000 |
| Refinancing | 372 | $119,350,000 | $320,000 | $10,405,000 | $95,000 | $1,756,000 |
| Other Purpose | 236 | $26,330,000 | $111,000 | $2,005,000 | $121,000 | $2,545,000 |
| 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 | 1,137 | $166,895,000 | $146,000 | $2,805,000 | $122,000 | $2,545,000 |
| Not applicable | 667 | $357,215,000 | $535,000 | $9,905,000 | $0 | $0 |
| Not Provided | 199 | $52,665,000 | $264,000 | $10,405,000 | $177,000 | $7,800,000 |
| Black or African American | 142 | $22,480,000 | $158,000 | $555,000 | $81,000 | $389,000 |
| Hispanic | 94 | $14,440,000 | $153,000 | $605,000 | $100,000 | $708,000 |
| Asian | 30 | $7,650,000 | $255,000 | $805,000 | $164,000 | $480,000 |
| American Indian or Alaskan Native | 4 | $400,000 | $100,000 | $255,000 | $34,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,285,000 | $428,000 | $585,000 | $397,000 | $547,000 |
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) | 2,281 | $624,375,000 | $273,000 | $10,405,000 | $125,000 | $7,800,000 |
| 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 | 1,193 | $378,925,000 | $317,000 | $10,405,000 | $143,000 | $1,756,000 |
| Application Denied By Financial Institution | 799 | $127,525,000 | $159,000 | $2,805,000 | $91,000 | $1,139,000 |
| Application Withdrawn By Applicant | 234 | $100,100,000 | $427,000 | $9,005,000 | $211,000 | $7,800,000 |
| Application Approved But Not Accepted | 55 | $17,825,000 | $324,000 | $3,805,000 | $138,000 | $400,000 |
| 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 | 1,482 | $496,850,000 | $335,000 | $10,405,000 | $156,000 | $7,800,000 |
| Debt-To-Income Ratio | 347 | $67,295,000 | $193,000 | $1,675,000 | $73,000 | $495,000 |
| Credit History | 257 | $21,315,000 | $82,000 | $1,005,000 | $81,000 | $547,000 |
| Collateral | 116 | $19,030,000 | $164,000 | $1,435,000 | $149,000 | $1,139,000 |
| Credit Application Incomplete | 45 | $14,425,000 | $320,000 | $2,805,000 | $165,000 | $759,000 |
| Other | 18 | $2,560,000 | $142,000 | $425,000 | $100,000 | $305,000 |
| Unverifiable Information | 8 | $1,330,000 | $166,000 | $605,000 | $14,000 | $48,000 |
| Employment History | 5 | $765,000 | $153,000 | $405,000 | $30,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $805,000 | $268,000 | $565,000 | $49,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Ozk's 2022 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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