Bank Ozk Mortgage Lending & HMDA Data, 2019
In 2019, Bank Ozk of Little Rock, AR reported 3,510 mortgage applications totaling $452.4 million, up 5% from 2018. The average application was for $128,897, and applicants reported an average income of $100,893. 46% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (572), Tampa-St. Petersburg-Clearwater, FL (383) and Little Rock-North Little Rock-Conway, AR (309) (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 | 3,510 |
| Total Mortgage Loan Application Amount | $452,430,000 |
| Average Mortgage Loan Application Amount | $128,897 |
| Highest Mortgage Loan Application Amount | $8,005,000 |
| Average Applicant Income | $100,893 |
| Highest Applicant Income | $4,859,000 |
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Disclosure Act (HMDA) records Bank Ozk filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 670 | $ 56,990,000 | $ 85,059 | $ 75,526 |
| Atlanta-Sandy Springs-Roswell, GA | 572 | $ 57,120,000 | $ 99,860 | $ 78,000 |
| Tampa-St. Petersburg-Clearwater, FL | 383 | $ 65,535,000 | $ 171,109 | $ 171,000 |
| Little Rock-North Little Rock-Conway, AR | 309 | $ 46,425,000 | $ 150,242 | $ 95,000 |
| North Port-Sarasota-Bradenton, FL | 242 | $ 32,290,000 | $ 133,429 | $ 114,000 |
| Fort Smith, AR-OK | 161 | $ 14,525,000 | $ 90,217 | $ 69,608 |
| Charlotte-Concord-Gastonia, NC-SC | 110 | $ 17,610,000 | $ 160,090 | $ 103,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 109 | $ 19,685,000 | $ 180,596 | $ 120,000 |
| Dallas-Plano-Irving, TX | 94 | $ 22,760,000 | $ 242,127 | $ 94,000 |
| Cape Coral-Fort Myers, FL | 79 | $ 8,875,000 | $ 112,341 | $ 100,000 |
| Winston-Salem, NC | 79 | $ 17,515,000 | $ 221,708 | $ 115,000 |
| Valdosta, GA | 71 | $ 3,055,000 | $ 43,028 | $ 50,000 |
| Hot Springs, AR | 63 | $ 6,265,000 | $ 99,444 | $ 80,000 |
| Ocala, FL | 48 | $ 4,360,000 | $ 90,833 | $ 54,000 |
| Punta Gorda, FL | 41 | $ 4,345,000 | $ 105,975 | $ 88,000 |
| Greensboro-High Point, NC | 38 | $ 3,160,000 | $ 83,157 | $ 89,000 |
| Miami-Miami Beach-Kendall, FL | 36 | $ 8,590,000 | $ 238,611 | $ 214,000 |
| Jacksonville, FL | 35 | $ 3,155,000 | $ 90,142 | $ 131,000 |
| Columbus, GA-AL | 30 | $ 1,680,000 | $ 56,000 | $ 77,466 |
| Dalton, GA | 25 | $ 2,475,000 | $ 99,000 | $ 96,000 |
| Dothan, AL | 24 | $ 1,270,000 | $ 52,916 | $ 56,000 |
| Texarkana, TX-AR | 21 | $ 1,665,000 | $ 79,285 | $ 71,476 |
| Mobile, AL | 20 | $ 2,480,000 | $ 124,000 | $ 148,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 18 | $ 2,890,000 | $ 160,555 | $ 167,000 |
| Fort Worth-Arlington, TX | 18 | $ 5,930,000 | $ 329,444 | $ 53,000 |
| Orlando-Kissimmee-Sanford, FL | 18 | $ 2,920,000 | $ 162,222 | $ 214,000 |
| Macon-Bibb County, GA | 17 | $ 1,185,000 | $ 69,705 | $ 90,000 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 3,200,000 | $ 228,571 | $ 76,000 |
| Athens-Clarke County, GA | 13 | $ 1,735,000 | $ 133,461 | $ 102,000 |
| Austin-Round Rock, TX | 13 | $ 6,145,000 | $ 472,692 | $ 73,000 |
| Brunswick, GA | 11 | $ 485,000 | $ 44,090 | $ 85,000 |
| Gainesville, GA | 11 | $ 1,125,000 | $ 102,272 | $ 150,000 |
| Panama City, FL | 10 | $ 1,160,000 | $ 116,000 | $ 94,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 990,000 | $ 123,750 | $ 104,500 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 2,740,000 | $ 342,500 | $ 175,000 |
| Jonesboro, AR | 6 | $ 4,470,000 | $ 745,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 810,000 | $ 135,000 | $ 116,000 |
| Wilmington, NC | 6 | $ 1,160,000 | $ 193,333 | $ 150,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 1,465,000 | $ 293,000 | $ 282,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 495,000 | $ 99,000 | $ 63,000 |
| Hinesville, GA | 5 | $ 285,000 | $ 57,000 | $ 109,000 |
| Rome, GA | 5 | $ 135,000 | $ 27,000 | $ 54,000 |
| Chattanooga, TN-GA | 4 | $ 250,000 | $ 62,500 | $ 102,000 |
| Savannah, GA | 4 | $ 660,000 | $ 165,000 | $ 176,000 |
| Asheville, NC | 3 | $ 1,275,000 | $ 425,000 | $ 280,000 |
| Lakeland-Winter Haven, FL | 3 | $ 225,000 | $ 75,000 | $ 115,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 1,335,000 | $ 445,000 | $ 288,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 965,000 | $ 321,666 | $ 58,000 |
| Tallahassee, FL | 3 | $ 815,000 | $ 271,666 | $ 59,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 180,000 | $ 90,000 | $ 104,000 |
| Beaumont-Port Arthur, TX | 2 | $ 320,000 | $ 160,000 | $ 24,000 |
| Cleveland, TN | 2 | $ 180,000 | $ 90,000 | $ 89,000 |
| Durham-Chapel Hill, NC | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Gainesville, FL | 2 | $ 200,000 | $ 100,000 | $ 182,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 630,000 | $ 315,000 | $ 969,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 2,190,000 | $ 1,095,000 | $ 443,000 |
| Auburn-Opelika, AL | 1 | $ 125,000 | $ 125,000 | $ 188,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 25,000 | $ 25,000 | $ 102,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Fort Collins, CO | 1 | $ 235,000 | $ 235,000 | $ 223,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Homosassa Springs, FL | 1 | $ 215,000 | $ 215,000 | $ 42,000 |
| Kansas City, MO-KS | 1 | $ 55,000 | $ 55,000 | $ 126,000 |
| Montgomery, AL | 1 | $ 5,000 | $ 5,000 | $ 33,000 |
| New Orleans-Metairie, LA | 1 | $ 105,000 | $ 105,000 | $ 267,000 |
| Pine Bluff, AR | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Raleigh, NC | 1 | $ 205,000 | $ 205,000 | $ 117,000 |
| San Antonio-New Braunfels, TX | 1 | $ 105,000 | $ 105,000 | $ 225,000 |
| Spartanburg, SC | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Stockton-Lodi, CA | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| The Villages, FL | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Bank Ozk in 2019
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 | 1,208 | $228,330,000 | $189,000 | $3,845,000 | $114,000 | $4,859,000 |
| Home Improvement | 1,058 | $70,070,000 | $66,000 | $725,000 | $96,000 | $1,400,000 |
| Refinancing | 721 | $117,895,000 | $163,000 | $8,005,000 | $94,000 | $732,000 |
| Other Purpose | 522 | $35,980,000 | $68,000 | $965,000 | $90,000 | $1,000,000 |
| Cash-out Refinancing | 1 | $155,000 | $155,000 | $155,000 | $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 | 2,069 | $211,405,000 | $102,000 | $3,805,000 | $103,000 | $4,859,000 |
| Not Provided | 522 | $61,880,000 | $118,000 | $1,005,000 | $112,000 | $1,962,000 |
| Not applicable | 324 | $116,210,000 | $358,000 | $8,005,000 | $0 | $0 |
| Black or African American | 261 | $24,435,000 | $93,000 | $605,000 | $69,000 | $555,000 |
| Hispanic | 254 | $27,220,000 | $107,000 | $405,000 | $78,000 | $590,000 |
| Asian | 60 | $8,950,000 | $149,000 | $1,255,000 | $132,000 | $668,000 |
| American Indian or Alaskan Native | 8 | $460,000 | $57,000 | $185,000 | $53,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 3,509 | $452,225,000 | $128,000 | $8,005,000 | $100,000 | $4,859,000 |
| FHA-insured (Federal Housing Administration) | 1 | $205,000 | $205,000 | $205,000 | $88,000 | $88,000 |
| 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 | 1,605 | $234,145,000 | $145,000 | $8,005,000 | $119,000 | $4,859,000 |
| Application Denied By Financial Institution | 1,433 | $140,685,000 | $98,000 | $2,005,000 | $77,000 | $1,238,000 |
| Application Withdrawn By Applicant | 383 | $63,055,000 | $164,000 | $2,305,000 | $116,000 | $1,956,000 |
| Application Approved But Not Accepted | 89 | $14,545,000 | $163,000 | $2,905,000 | $109,000 | $771,000 |
| 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 | 2,077 | $311,745,000 | $150,000 | $8,005,000 | $118,000 | $4,859,000 |
| Debt-To-Income Ratio | 581 | $71,205,000 | $122,000 | $1,405,000 | $60,000 | $520,000 |
| Credit History | 484 | $32,870,000 | $67,000 | $2,005,000 | $76,000 | $732,000 |
| Collateral | 257 | $19,625,000 | $76,000 | $875,000 | $101,000 | $1,238,000 |
| Credit Application Incomplete | 62 | $11,180,000 | $180,000 | $2,005,000 | $123,000 | $1,000,000 |
| Other | 20 | $3,200,000 | $160,000 | $505,000 | $83,000 | $195,000 |
| Unverifiable Information | 16 | $1,430,000 | $89,000 | $205,000 | $79,000 | $229,000 |
| Employment History | 8 | $450,000 | $56,000 | $125,000 | $54,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $725,000 | $145,000 | $255,000 | $71,000 | $114,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Ozk's 2019 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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