Bank Ozk Mortgage Lending & HMDA Data, 2017
In 2017, Bank Ozk of Little Rock, AR reported 3,674 mortgage applications totaling $572.1 million. The average application was for $155,709, and applicants reported an average income of $75,505. 57% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (595), Atlanta-Sandy Springs-Roswell, GA (511) and Dallas-Plano-Irving, TX (286) (applications in parentheses).
| Mortgage Company & Address | Bank Ozk Po Box 8811 Little Rock, AR 72231 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 3,674 |
| Total Mortgage Loan Application Amount | $572,077,000 |
| Average Mortgage Loan Application Amount | $155,709 |
| Highest Mortgage Loan Application Amount | $8,320,000 |
| Average Applicant Income | $75,505 |
| Highest Applicant Income | $3,003,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank Ozk filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 595 | $ 80,653,000 | $ 135,551 | $ 58,000 |
| Atlanta-Sandy Springs-Roswell, GA | 511 | $ 73,119,000 | $ 143,090 | $ 75,000 |
| Dallas-Plano-Irving, TX | 286 | $ 74,823,000 | $ 261,618 | $ 90,000 |
| Hot Springs, AR | 156 | $ 22,983,000 | $ 147,326 | $ 100,000 |
| Fort Smith, AR-OK | 141 | $ 15,110,000 | $ 107,163 | $ 69,510 |
| Charlotte-Concord-Gastonia, NC-SC | 127 | $ 19,559,000 | $ 154,007 | $ 82,259 |
| Fayetteville-Springdale-Rogers, AR-MO | 100 | $ 20,433,000 | $ 204,330 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 94 | $ 14,840,000 | $ 157,872 | $ 111,000 |
| Austin-Round Rock, TX | 91 | $ 25,115,000 | $ 275,989 | $ 136,000 |
| Winston-Salem, NC | 74 | $ 6,975,000 | $ 94,256 | $ 48,000 |
| North Port-Sarasota-Bradenton, FL | 63 | $ 10,490,000 | $ 166,507 | $ 95,000 |
| Texarkana, TX-AR | 53 | $ 8,705,000 | $ 164,245 | $ 45,471 |
| Valdosta, GA | 53 | $ 2,986,000 | $ 56,339 | $ 45,000 |
| Fort Worth-Arlington, TX | 51 | $ 14,468,000 | $ 283,686 | $ 74,000 |
| Houston-The Woodlands-Sugar Land, TX | 46 | $ 11,665,000 | $ 253,586 | $ 127,000 |
| Dalton, GA | 45 | $ 5,004,000 | $ 111,200 | $ 48,000 |
| Miami-Miami Beach-Kendall, FL | 33 | $ 15,565,000 | $ 471,666 | $ 97,000 |
| Mobile, AL | 28 | $ 1,436,000 | $ 51,285 | $ 32,000 |
| Brunswick, GA | 26 | $ 2,315,000 | $ 89,038 | $ 57,000 |
| Savannah, GA | 23 | $ 1,935,000 | $ 84,130 | $ 16,000 |
| Cape Coral-Fort Myers, FL | 21 | $ 10,964,000 | $ 522,095 | $ 67,000 |
| Gainesville, GA | 21 | $ 2,738,000 | $ 130,380 | $ 343,000 |
| Greensboro-High Point, NC | 21 | $ 2,367,000 | $ 112,714 | $ 53,000 |
| Dothan, AL | 18 | $ 335,000 | $ 18,611 | $ 39,000 |
| Macon-Bibb County, GA | 16 | $ 2,742,000 | $ 171,375 | $ 107,000 |
| Athens-Clarke County, GA | 13 | $ 2,077,000 | $ 159,769 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 2,654,000 | $ 241,272 | $ 80,000 |
| Orlando-Kissimmee-Sanford, FL | 11 | $ 2,334,000 | $ 212,181 | $ 128,000 |
| Punta Gorda, FL | 11 | $ 1,576,000 | $ 143,272 | $ 56,000 |
| Jacksonville, FL | 10 | $ 1,888,000 | $ 188,800 | $ 110,000 |
| Columbus, GA-AL | 9 | $ 1,371,000 | $ 152,333 | $ 79,111 |
| San Antonio-New Braunfels, TX | 9 | $ 2,547,000 | $ 283,000 | $ 80,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 8 | $ 2,517,000 | $ 314,625 | $ 104,000 |
| Rome, GA | 8 | $ 312,000 | $ 39,000 | $ 75,000 |
| Sherman-Denison, TX | 8 | $ 1,196,000 | $ 149,500 | $ 31,000 |
| Panama City, FL | 7 | $ 1,206,000 | $ 172,285 | $ 165,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 714,000 | $ 119,000 | $ 54,000 |
| Cleveland, TN | 5 | $ 202,000 | $ 40,400 | $ 50,000 |
| Daphne-Fairhope-Foley, AL | 5 | $ 1,075,000 | $ 215,000 | $ 177,000 |
| Ocala, FL | 5 | $ 429,000 | $ 85,800 | $ 60,000 |
| Wilmington, NC | 5 | $ 860,000 | $ 172,000 | $ 88,000 |
| Asheville, NC | 3 | $ 638,000 | $ 212,666 | $ 135,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 2,993,000 | $ 997,666 | $ 285,000 |
| Jonesboro, AR | 3 | $ 1,537,000 | $ 512,333 | $ 33,000 |
| Memphis, TN-MS-AR | 3 | $ 2,156,000 | $ 718,666 | $ 208,000 |
| Tallahassee, FL | 3 | $ 673,000 | $ 224,333 | $ 61,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 64,000 | $ 32,000 | $ 49,000 |
| Birmingham-Hoover, AL | 2 | $ 244,000 | $ 122,000 | $ 88,000 |
| Charleston-North Charleston, SC | 2 | $ 240,000 | $ 120,000 | $ 59,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 678,000 | $ 339,000 | $ 189,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 191,000 | $ 95,500 | $ 61,500 |
| Spartanburg, SC | 2 | $ 360,000 | $ 180,000 | $ 100,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 592,000 | $ 296,000 | $ 51,000 |
| Auburn-Opelika, AL | 1 | $ 112,000 | $ 112,000 | $ 429,000 |
| Chattanooga, TN-GA | 1 | $ 1,200,000 | $ 1,200,000 | $ 364,000 |
| Colorado Springs, CO | 1 | $ 245,000 | $ 245,000 | $ 147,000 |
| Durham-Chapel Hill, NC | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Glens Falls, NY | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Hinesville, GA | 1 | $ 57,000 | $ 57,000 | $ 81,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 3,625,000 | $ 3,625,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 133,000 | $ 133,000 | $ 51,000 |
| Lakeland-Winter Haven, FL | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 268,000 | $ 268,000 | $ 186,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 499,000 | $ 499,000 | $ 127,000 |
| Lubbock, TX | 1 | $ 300,000 | $ 300,000 | $ 121,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 100,000 | $ 100,000 | $ 22,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 910,000 | $ 910,000 | $ 221,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 182,000 | $ 182,000 | $ 323,000 |
| Pine Bluff, AR | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 170,000 | $ 170,000 | $ 104,000 |
| The Villages, FL | 1 | $ 250,000 | $ 250,000 | $ 91,000 |
| Tulsa, OK | 1 | $ 94,000 | $ 94,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Bank Ozk in 2017
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 | 2,146 | $372,830,000 | $173,000 | $8,320,000 | $80,000 | $3,003,000 |
| Refinancing | 960 | $176,790,000 | $184,000 | $6,100,000 | $77,000 | $1,000,000 |
| Home Improvement | 568 | $22,457,000 | $39,000 | $5,100,000 | $56,000 | $723,000 |
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 | 2,375 | $332,571,000 | $140,000 | $1,800,000 | $87,000 | $1,719,000 |
| Not applicable | 446 | $115,418,000 | $258,000 | $8,320,000 | $0 | $0 |
| Black or African American | 388 | $48,249,000 | $124,000 | $780,000 | $64,000 | $316,000 |
| Hispanic | 246 | $36,663,000 | $149,000 | $975,000 | $65,000 | $411,000 |
| Not Provided | 101 | $14,506,000 | $143,000 | $930,000 | $141,000 | $3,003,000 |
| Asian | 99 | $20,806,000 | $210,000 | $646,000 | $129,000 | $3,003,000 |
| American Indian or Alaskan Native | 17 | $3,693,000 | $217,000 | $2,047,000 | $66,000 | $224,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $171,000 | $85,000 | $101,000 | $54,000 | $93,000 |
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) | 3,305 | $514,794,000 | $155,000 | $8,320,000 | $77,000 | $3,003,000 |
| FHA-insured (Federal Housing Administration) | 236 | $39,058,000 | $165,000 | $499,000 | $61,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 93 | $11,458,000 | $123,000 | $253,000 | $44,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 40 | $6,767,000 | $169,000 | $635,000 | $59,000 | $180,000 |
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 | 2,108 | $353,620,000 | $167,000 | $8,320,000 | $76,000 | $3,003,000 |
| Application Denied By Financial Institution | 833 | $89,413,000 | $107,000 | $3,075,000 | $63,000 | $1,000,000 |
| Application Withdrawn By Applicant | 645 | $116,715,000 | $180,000 | $6,100,000 | $90,000 | $1,107,000 |
| Loan Purchased By The Institution | 50 | $7,260,000 | $145,000 | $278,000 | $44,000 | $102,000 |
| Application Approved But Not Accepted | 38 | $5,069,000 | $133,000 | $635,000 | $90,000 | $458,000 |
| 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 | 403 | $24,643,000 | $61,000 | $1,413,000 | $47,000 | $429,000 |
| Debt-To-Income Ratio | 278 | $35,572,000 | $127,000 | $3,075,000 | $61,000 | $1,000,000 |
| Collateral | 62 | $12,094,000 | $195,000 | $2,047,000 | $90,000 | $814,000 |
| Credit Application Incomplete | 60 | $11,229,000 | $187,000 | $1,800,000 | $122,000 | $592,000 |
| Other | 11 | $1,141,000 | $103,000 | $252,000 | $93,000 | $200,000 |
| Unverifiable Information | 9 | $3,646,000 | $405,000 | $1,700,000 | $207,000 | $827,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $635,000 | $105,000 | $240,000 | $85,000 | $128,000 |
| Employment History | 4 | $453,000 | $113,000 | $198,000 | $51,000 | $89,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Ozk's 2017 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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