Bank Ozk
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Bank Ozk 2023 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 | 1,889 |
| Total Mortgage Loan Application Amount | $445,620,000 |
| Average Mortgage Loan Application Amount | $223,000 |
| Highest Mortgage Loan Application Amount | $12,675,000 |
| Average Applicant Income | $122,000 |
| Highest Applicant Income | $4,633,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 91 | $ 17,015,000 | $ 186,000 | $ 100,000 |
| Pinellas County Florida | 91 | $ 28,345,000 | $ 311,000 | $ 215,000 |
| Manatee County Florida | 87 | $ 15,675,000 | $ 180,000 | $ 160,000 |
| Carroll County Georgia | 82 | $ 9,530,000 | $ 116,000 | $ 87,000 |
| Benton County Arkansas | 48 | $ 5,900,000 | $ 122,000 | $ 140,000 |
| Sarasota County Florida | 42 | $ 6,790,000 | $ 161,000 | $ 176,000 |
| Garland County Arkansas | 41 | $ 4,055,000 | $ 98,000 | $ 58,000 |
| Cleveland County North Carolina | 40 | $ 3,150,000 | $ 78,000 | $ 70,000 |
| Hot Spring County Arkansas | 38 | $ 3,270,000 | $ 86,000 | $ 57,000 |
| Barrow County Georgia | 32 | $ 3,680,000 | $ 115,000 | $ 97,000 |
| Hillsborough County Florida | 31 | $ 7,115,000 | $ 229,000 | $ 170,000 |
| Fulton County Georgia | 31 | $ 23,145,000 | $ 746,000 | $ 122,000 |
| Pope County Arkansas | 30 | $ 2,030,000 | $ 67,000 | $ 83,000 |
| Crawford County Arkansas | 29 | $ 1,575,000 | $ 54,000 | $ 51,000 |
| Faulkner County Arkansas | 29 | $ 3,325,000 | $ 114,000 | $ 173,000 |
| Sebastian County Arkansas | 29 | $ 3,485,000 | $ 120,000 | $ 60,000 |
| Haralson County Georgia | 28 | $ 3,360,000 | $ 120,000 | $ 81,000 |
| Lee County Florida | 26 | $ 7,620,000 | $ 293,000 | $ 118,000 |
| Gaston County North Carolina | 26 | $ 3,870,000 | $ 148,000 | $ 139,000 |
| Lonoke County Arkansas | 25 | $ 7,045,000 | $ 281,000 | $ 70,000 |
| Fannin County Georgia | 25 | $ 3,715,000 | $ 148,000 | $ 115,000 |
| Randolph County North Carolina | 25 | $ 2,095,000 | $ 83,000 | $ 55,000 |
| Saline County Arkansas | 22 | $ 6,470,000 | $ 294,000 | $ 64,000 |
| Miami-Dade County Florida | 22 | $ 36,340,000 | $ 1,651,000 | $ 198,000 |
| Lowndes County Georgia | 22 | $ 980,000 | $ 44,000 | $ 57,000 |
| Forsyth County Georgia | 21 | $ 3,915,000 | $ 186,000 | $ 169,000 |
| Gwinnett County Georgia | 21 | $ 2,765,000 | $ 131,000 | $ 94,000 |
| Harris County Texas | 21 | $ 11,605,000 | $ 552,000 | $ 125,000 |
| Franklin County Arkansas | 20 | $ 1,300,000 | $ 65,000 | $ 65,000 |
| Baxter County Arkansas | 19 | $ 1,215,000 | $ 63,000 | $ 64,000 |
| Van Buren County Arkansas | 19 | $ 1,625,000 | $ 85,000 | $ 98,000 |
| Charlotte County Florida | 19 | $ 2,635,000 | $ 138,000 | $ 188,000 |
| Gilmer County Georgia | 19 | $ 2,565,000 | $ 135,000 | $ 92,000 |
| Coweta County Georgia | 18 | $ 3,020,000 | $ 167,000 | $ 97,000 |
| Glynn County Georgia | 18 | $ 1,480,000 | $ 82,000 | $ 97,000 |
| Forsyth County North Carolina | 18 | $ 5,210,000 | $ 289,000 | $ 97,000 |
| Boone County Arkansas | 17 | $ 745,000 | $ 43,000 | $ 67,000 |
| Johnson County Arkansas | 17 | $ 745,000 | $ 43,000 | $ 41,000 |
| Dallas County Texas | 17 | $ 6,785,000 | $ 399,000 | $ 122,000 |
| Washington County Arkansas | 16 | $ 2,280,000 | $ 142,000 | $ 131,000 |
| Davidson County North Carolina | 16 | $ 1,960,000 | $ 122,000 | $ 87,000 |
| Douglas County Georgia | 14 | $ 1,190,000 | $ 85,000 | $ 84,000 |
| Mecklenburg County North Carolina | 14 | $ 15,340,000 | $ 1,095,000 | $ 604,000 |
| Chatham County Georgia | 13 | $ 1,565,000 | $ 120,000 | $ 81,000 |
| Dawson County Georgia | 13 | $ 1,245,000 | $ 95,000 | $ 100,000 |
| Union County Georgia | 13 | $ 2,555,000 | $ 196,000 | $ 321,000 |
| Davie County North Carolina | 13 | $ 1,395,000 | $ 107,000 | $ 104,000 |
| Lincoln County North Carolina | 13 | $ 2,585,000 | $ 198,000 | $ 65,000 |
| Marion County Florida | 12 | $ 700,000 | $ 58,000 | $ 77,000 |
| Bibb County Georgia | 12 | $ 1,320,000 | $ 110,000 | $ 69,000 |
| Rowan County North Carolina | 12 | $ 3,700,000 | $ 308,000 | $ 75,000 |
| Bexar County Texas | 12 | $ 3,930,000 | $ 327,000 | $ 317,000 |
| Cherokee County Georgia | 11 | $ 1,375,000 | $ 125,000 | $ 76,000 |
| DeKalb County Georgia | 11 | $ 2,655,000 | $ 241,000 | $ 171,000 |
| Logan County Arkansas | 10 | $ 970,000 | $ 97,000 | $ 53,000 |
| Heard County Georgia | 10 | $ 820,000 | $ 82,000 | $ 104,000 |
| Jackson County Georgia | 10 | $ 1,060,000 | $ 106,000 | $ 113,000 |
| Rutherford County North Carolina | 10 | $ 1,120,000 | $ 112,000 | $ 83,000 |
| Newton County Arkansas | 9 | $ 795,000 | $ 88,000 | $ 66,000 |
| Searcy County Arkansas | 9 | $ 615,000 | $ 68,000 | $ 72,000 |
| Pasco County Florida | 9 | $ 1,495,000 | $ 166,000 | $ 108,000 |
| Lumpkin County Georgia | 9 | $ 1,255,000 | $ 139,000 | $ 55,000 |
| Pickens County Georgia | 9 | $ 1,585,000 | $ 176,000 | $ 126,000 |
| Whitfield County Georgia | 9 | $ 805,000 | $ 89,000 | $ 101,000 |
| Guilford County North Carolina | 9 | $ 2,025,000 | $ 225,000 | $ 0 |
| Union County North Carolina | 9 | $ 2,035,000 | $ 226,000 | $ 130,000 |
| Marion County Arkansas | 8 | $ 370,000 | $ 46,000 | $ 59,000 |
| Clayton County Georgia | 8 | $ 830,000 | $ 103,000 | $ 71,000 |
| Cobb County Georgia | 8 | $ 1,630,000 | $ 203,000 | $ 109,000 |
| Hall County Georgia | 8 | $ 3,130,000 | $ 391,000 | $ 185,000 |
| Clark County Arkansas | 7 | $ 1,595,000 | $ 227,000 | $ 100,000 |
| Conway County Arkansas | 7 | $ 1,095,000 | $ 156,000 | $ 107,000 |
| Broward County Florida | 7 | $ 8,535,000 | $ 1,219,000 | $ 98,000 |
| Henry County Georgia | 7 | $ 2,445,000 | $ 349,000 | $ 140,000 |
| Paulding County Georgia | 7 | $ 545,000 | $ 77,000 | $ 62,000 |
| Miller County Arkansas | 6 | $ 450,000 | $ 75,000 | $ 79,000 |
| Duval County Florida | 6 | $ 1,440,000 | $ 240,000 | $ 172,000 |
| Bartow County Georgia | 6 | $ 450,000 | $ 75,000 | $ 59,000 |
| Decatur County Georgia | 6 | $ 300,000 | $ 50,000 | $ 62,000 |
| Walton County Georgia | 6 | $ 1,710,000 | $ 285,000 | $ 68,000 |
| Yell County Arkansas | 5 | $ 445,000 | $ 89,000 | $ 47,000 |
| Orange County Florida | 5 | $ 5,135,000 | $ 1,027,000 | $ 107,000 |
| Floyd County Georgia | 5 | $ 315,000 | $ 63,000 | $ 60,000 |
| Murray County Georgia | 5 | $ 265,000 | $ 53,000 | $ 88,000 |
| Tarrant County Texas | 5 | $ 7,545,000 | $ 1,509,000 | $ 380,000 |
| Williamson County Texas | 5 | $ 925,000 | $ 185,000 | $ 0 |
| Hempstead County Arkansas | 4 | $ 350,000 | $ 87,000 | $ 53,000 |
| Jefferson County Arkansas | 4 | $ 810,000 | $ 202,000 | $ 46,000 |
| Palm Beach County Florida | 4 | $ 2,060,000 | $ 515,000 | $ 87,000 |
| Cabarrus County North Carolina | 4 | $ 380,000 | $ 95,000 | $ 100,000 |
| New Hanover County North Carolina | 4 | $ 1,440,000 | $ 360,000 | $ 138,000 |
| Davidson County Tennessee | 4 | $ 9,350,000 | $ 2,337,000 | $ 0 |
| Bowie County Texas | 4 | $ 4,100,000 | $ 1,025,000 | $ 200,000 |
| Craighead County Arkansas | 3 | $ 345,000 | $ 115,000 | $ 222,000 |
| Perry County Arkansas | 3 | $ 195,000 | $ 65,000 | $ 85,000 |
| Citrus County Florida | 3 | $ 785,000 | $ 261,000 | $ 122,000 |
| Lake County Florida | 3 | $ 355,000 | $ 118,000 | $ 168,000 |
| Osceola County Florida | 3 | $ 415,000 | $ 138,000 | $ 178,000 |
| Polk County Florida | 3 | $ 3,255,000 | $ 1,085,000 | $ 89,000 |
| Gordon County Georgia | 3 | $ 225,000 | $ 75,000 | $ 42,000 |
| Lamar County Georgia | 3 | $ 335,000 | $ 111,000 | $ 67,000 |
| Meriwether County Georgia | 3 | $ 135,000 | $ 45,000 | $ 46,000 |
| Newton County Georgia | 3 | $ 385,000 | $ 128,000 | $ 53,000 |
| Rockdale County Georgia | 3 | $ 645,000 | $ 215,000 | $ 104,000 |
| Spalding County Georgia | 3 | $ 215,000 | $ 71,000 | $ 70,000 |
| Towns County Georgia | 3 | $ 1,525,000 | $ 508,000 | $ 134,000 |
| New York County New York | 3 | $ 770,000 | $ 385,000 | $ 0 |
| Alamance County North Carolina | 3 | $ 1,015,000 | $ 338,000 | $ 73,000 |
| Buncombe County North Carolina | 3 | $ 1,215,000 | $ 405,000 | $ 356,000 |
| Catawba County North Carolina | 3 | $ 3,525,000 | $ 1,175,000 | $ 0 |
| Cherokee County North Carolina | 3 | $ 545,000 | $ 181,000 | $ 119,000 |
| Wake County North Carolina | 3 | $ 4,225,000 | $ 1,408,000 | $ 110,000 |
| York County South Carolina | 3 | $ 845,000 | $ 281,000 | $ 82,000 |
| Collin County Texas | 3 | $ 6,515,000 | $ 2,171,000 | $ 522,000 |
| Travis County Texas | 3 | $ 4,805,000 | $ 1,601,000 | $ 0 |
| Cleburne County Alabama | 2 | $ 110,000 | $ 55,000 | $ 65,000 |
| Cleburne County Arkansas | 2 | $ 370,000 | $ 185,000 | $ 188,000 |
| Montgomery County Arkansas | 2 | $ 250,000 | $ 125,000 | $ 31,000 |
| Nevada County Arkansas | 2 | $ 70,000 | $ 35,000 | $ 63,000 |
| Bay County Florida | 2 | $ 920,000 | $ 460,000 | $ 315,000 |
| Clay County Florida | 2 | $ 300,000 | $ 150,000 | $ 202,000 |
| Collier County Florida | 2 | $ 2,580,000 | $ 1,290,000 | $ 475,000 |
| DeSoto County Florida | 2 | $ 170,000 | $ 85,000 | $ 159,000 |
| Banks County Georgia | 2 | $ 170,000 | $ 85,000 | $ 192,000 |
| Butts County Georgia | 2 | $ 350,000 | $ 175,000 | $ 51,000 |
| Catoosa County Georgia | 2 | $ 410,000 | $ 205,000 | $ 103,000 |
| Habersham County Georgia | 2 | $ 530,000 | $ 265,000 | $ 91,000 |
| Harris County Georgia | 2 | $ 2,170,000 | $ 1,085,000 | $ 58,000 |
| Oconee County Georgia | 2 | $ 170,000 | $ 85,000 | $ 145,000 |
| McDonald County Missouri | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Edgecombe County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 60,000 |
| Iredell County North Carolina | 2 | $ 490,000 | $ 245,000 | $ 35,000 |
| Onslow County North Carolina | 2 | $ 2,460,000 | $ 1,230,000 | $ 0 |
| Watauga County North Carolina | 2 | $ 560,000 | $ 280,000 | $ 2,334,000 |
| Cherokee County South Carolina | 2 | $ 90,000 | $ 45,000 | $ 78,000 |
| Richland County South Carolina | 2 | $ 2,680,000 | $ 1,340,000 | $ 0 |
| Randolph County Alabama | 1 | $ 75,000 | $ 75,000 | $ 180,000 |
| Talladega County Alabama | 1 | $ 105,000 | $ 105,000 | $ 157,000 |
| Grant County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 104,000 |
| Madison County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Pike County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| La Plata County Colorado | 1 | $ 555,000 | $ 555,000 | $ 474,000 |
| Brevard County Florida | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Columbia County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Escambia County Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Franklin County Florida | 1 | $ 2,005,000 | $ 2,005,000 | $ 739,000 |
| Gadsden County Florida | 1 | $ 65,000 | $ 65,000 | $ 259,000 |
| Glades County Florida | 1 | $ 185,000 | $ 185,000 | $ 137,000 |
| Leon County Florida | 1 | $ 245,000 | $ 245,000 | $ 126,000 |
| Levy County Florida | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Monroe County Florida | 1 | $ 505,000 | $ 505,000 | $ 160,000 |
| Seminole County Florida | 1 | $ 375,000 | $ 375,000 | $ 0 |
| St. Johns County Florida | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Volusia County Florida | 1 | $ 45,000 | $ 45,000 | $ 426,000 |
| Walton County Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,440,000 |
| Baldwin County Georgia | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Clarke County Georgia | 1 | $ 375,000 | $ 375,000 | $ 135,000 |
| Franklin County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jeff Davis County Georgia | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Jones County Georgia | 1 | $ 65,000 | $ 65,000 | $ 11,000 |
| Marion County Georgia | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Muscogee County Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Pike County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Putnam County Georgia | 1 | $ 35,000 | $ 35,000 | $ 94,000 |
| Rabun County Georgia | 1 | $ 55,000 | $ 55,000 | $ 369,000 |
| Seminole County Georgia | 1 | $ 15,000 | $ 15,000 | $ 33,000 |
| Talbot County Georgia | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Ware County Georgia | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| White County Georgia | 1 | $ 105,000 | $ 105,000 | $ 273,000 |
| Buchanan County Missouri | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Newton County Missouri | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Beaufort County North Carolina | 1 | $ 2,535,000 | $ 2,535,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 181,000 |
| Burke County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 115,000 |
| Chowan County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Clay County North Carolina | 1 | $ 655,000 | $ 655,000 | $ 101,000 |
| Durham County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Montgomery County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 203,000 |
| Moore County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Pitt County North Carolina | 1 | $ 3,845,000 | $ 3,845,000 | $ 0 |
| Rockingham County North Carolina | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Stanly County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Stokes County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Yancey County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
| Sequoyah County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Beaufort County South Carolina | 1 | $ 725,000 | $ 725,000 | $ 354,000 |
| Lancaster County South Carolina | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
| Polk County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Rhea County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 502,000 |
| Cameron County Texas | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Denton County Texas | 1 | $ 295,000 | $ 295,000 | $ 80,000 |
| Hays County Texas | 1 | $ 1,545,000 | $ 1,545,000 | $ 0 |
| Nueces County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Palo Pinto County Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Wilson County Texas | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Galax County Virginia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hanover County Virginia | 1 | $ 1,445,000 | $ 1,445,000 | $ 0 |
| Thurston County Washington | 1 | $ 415,000 | $ 415,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank Ozk in 2023
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 Improvement | 709 | $64,755,000 | $91,000 | $1,445,000 | $115,000 | $4,633,000 |
| Home Purchase | 630 | $288,150,000 | $457,000 | $12,675,000 | $145,000 | $2,754,000 |
| Other Purpose | 286 | $23,130,000 | $80,000 | $845,000 | $100,000 | $1,250,000 |
| Refinancing | 264 | $69,585,000 | $264,000 | $6,555,000 | $128,000 | $2,968,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 1,037 | $129,895,000 | $125,000 | $4,095,000 | $114,000 | $2,754,000 |
| Not applicable | 344 | $230,015,000 | $670,000 | $12,675,000 | $0 | $0 |
| Not Provided | 213 | $45,325,000 | $212,000 | $6,005,000 | $189,000 | $4,633,000 |
| Black or African American | 162 | $21,710,000 | $134,000 | $705,000 | $77,000 | $341,000 |
| Hispanic | 101 | $13,725,000 | $135,000 | $1,295,000 | $107,000 | $600,000 |
| Asian | 14 | $2,930,000 | $209,000 | $725,000 | $193,000 | $579,000 |
| American Indian or Alaskan Native | 9 | $1,015,000 | $112,000 | $255,000 | $41,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $255,000 | $255,000 | $255,000 | $854,000 | $854,000 |
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) | 1,889 | $445,620,000 | $236,000 | $12,675,000 | $121,000 | $4,633,000 |
| 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 | 857 | $210,500,000 | $245,000 | $5,675,000 | $132,000 | $2,754,000 |
| Application Denied By Financial Institution | 782 | $124,420,000 | $159,000 | $6,145,000 | $98,000 | $2,149,000 |
| Application Withdrawn By Applicant | 202 | $78,610,000 | $389,000 | $7,935,000 | $193,000 | $4,633,000 |
| Application Approved But Not Accepted | 48 | $32,090,000 | $668,000 | $12,675,000 | $123,000 | $854,000 |
| 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 | 1,107 | $321,200,000 | $290,000 | $12,675,000 | $143,000 | $4,633,000 |
| Debt-To-Income Ratio | 406 | $72,660,000 | $178,000 | $6,145,000 | $74,000 | $395,000 |
| Credit History | 247 | $18,265,000 | $73,000 | $1,005,000 | $95,000 | $1,440,000 |
| Collateral | 87 | $24,975,000 | $287,000 | $5,505,000 | $189,000 | $2,149,000 |
| Credit Application Incomplete | 17 | $5,575,000 | $327,000 | $1,005,000 | $287,000 | $1,250,000 |
| Other | 17 | $1,405,000 | $82,000 | $255,000 | $65,000 | $120,000 |
| Unverifiable Information | 4 | $920,000 | $230,000 | $595,000 | $156,000 | $285,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $555,000 | $185,000 | $285,000 | $72,000 | $72,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $127,000 | $127,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Ozk's 2023 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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