Bank Ozk Mortgage Lending & HMDA Data, 2024
In 2024, Bank Ozk of Little Rock, AR reported 4,543 mortgage applications totaling $1.1 billion, up 140% from 2023. The average application was for $242,389, and applicants reported an average income of $136,591. 41% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (962), Little Rock-North Little Rock-Conway, AR (480) and Marietta, GA (335) (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 | 4,543 |
| Total Mortgage Loan Application Amount | $1,101,175,000 |
| Average Mortgage Loan Application Amount | $242,389 |
| Highest Mortgage Loan Application Amount | $40,005,000 |
| Average Applicant Income | $136,591 |
| Highest Applicant Income | $6,000,000 |
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Disclosure Act (HMDA) records Bank Ozk filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 962 | $ 266,530,000 | $ 277,058 | $ 133,000 |
| Outside any metro area | 775 | $ 117,795,000 | $ 151,993 | $ 97,062 |
| Little Rock-North Little Rock-Conway, AR | 480 | $ 89,430,000 | $ 186,312 | $ 138,000 |
| Marietta, GA | 335 | $ 74,875,000 | $ 223,507 | $ 110,000 |
| North Port-Sarasota-Bradenton, FL | 232 | $ 50,660,000 | $ 218,362 | $ 203,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 220 | $ 41,790,000 | $ 189,954 | $ 137,000 |
| Tampa, FL | 124 | $ 34,370,000 | $ 277,177 | $ 194,000 |
| St. Petersburg-Clearwater-Largo, FL | 117 | $ 26,215,000 | $ 224,059 | $ 170,000 |
| Charlotte-Concord-Gastonia, NC-SC | 111 | $ 82,225,000 | $ 740,765 | $ 147,144 |
| Hot Springs, AR | 111 | $ 13,995,000 | $ 126,081 | $ 124,000 |
| Fort Smith, AR-OK | 102 | $ 10,660,000 | $ 104,509 | $ 119,000 |
| Winston-Salem, NC | 77 | $ 16,025,000 | $ 208,116 | $ 138,000 |
| Dallas-Plano-Irving, TX | 70 | $ 33,460,000 | $ 478,000 | $ 126,000 |
| Valdosta, GA | 67 | $ 6,355,000 | $ 94,850 | $ 88,000 |
| Macon-Bibb County, GA | 64 | $ 8,160,000 | $ 127,500 | $ 112,000 |
| Houston-The Woodlands-Sugar Land, TX | 51 | $ 16,035,000 | $ 314,411 | $ 117,000 |
| Gainesville, GA | 48 | $ 11,610,000 | $ 241,875 | $ 163,000 |
| Savannah, GA | 47 | $ 15,645,000 | $ 332,872 | $ 123,000 |
| Cape Coral-Fort Myers, FL | 42 | $ 7,790,000 | $ 185,476 | $ 149,000 |
| Miami-Miami Beach-Kendall, FL | 35 | $ 32,165,000 | $ 919,000 | $ 271,000 |
| Athens-Clarke County, GA | 34 | $ 11,020,000 | $ 324,117 | $ 218,000 |
| Dalton, GA | 32 | $ 4,110,000 | $ 128,437 | $ 99,000 |
| Greensboro-High Point, NC | 28 | $ 4,640,000 | $ 165,714 | $ 102,000 |
| Ocala, FL | 27 | $ 2,355,000 | $ 87,222 | $ 58,000 |
| Brunswick, GA | 26 | $ 6,050,000 | $ 232,692 | $ 102,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 25 | $ 12,925,000 | $ 517,000 | $ 154,000 |
| Rome, GA | 24 | $ 2,900,000 | $ 120,833 | $ 114,000 |
| Fort Worth-Arlington, TX | 21 | $ 5,855,000 | $ 278,809 | $ 92,000 |
| Punta Gorda, FL | 21 | $ 5,925,000 | $ 282,142 | $ 186,000 |
| Jacksonville, FL | 19 | $ 2,055,000 | $ 108,157 | $ 166,000 |
| Orlando-Kissimmee-Sanford, FL | 19 | $ 7,885,000 | $ 415,000 | $ 180,000 |
| Naples-Immokalee-Marco Island, FL | 18 | $ 5,360,000 | $ 297,777 | $ 190,000 |
| Columbus, GA-AL | 17 | $ 8,175,000 | $ 480,882 | $ 52,000 |
| San Antonio-New Braunfels, TX | 15 | $ 6,295,000 | $ 419,666 | $ 398,000 |
| Jonesboro, AR | 13 | $ 2,795,000 | $ 215,000 | $ 172,000 |
| Texarkana, TX-AR | 13 | $ 3,695,000 | $ 284,230 | $ 110,230 |
| Augusta-Richmond County, GA-SC | 11 | $ 6,175,000 | $ 561,363 | $ 163,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 10 | $ 4,620,000 | $ 462,000 | $ 286,000 |
| Wilmington, NC | 9 | $ 2,105,000 | $ 233,888 | $ 146,000 |
| Memphis, TN-MS-AR | 7 | $ 895,000 | $ 127,857 | $ 34,571 |
| Chattanooga, TN-GA | 6 | $ 4,040,000 | $ 673,333 | $ 0 |
| Lakeland-Winter Haven, FL | 6 | $ 1,140,000 | $ 190,000 | $ 88,000 |
| Warner Robins, GA | 6 | $ 1,810,000 | $ 301,666 | $ 0 |
| Austin-Round Rock, TX | 5 | $ 3,975,000 | $ 795,000 | $ 45,000 |
| Gainesville, FL | 4 | $ 1,840,000 | $ 460,000 | $ 193,000 |
| Homosassa Springs, FL | 4 | $ 1,050,000 | $ 262,500 | $ 64,000 |
| Panama City, FL | 4 | $ 800,000 | $ 200,000 | $ 153,000 |
| Wildwood-The Villages, FL | 4 | $ 560,000 | $ 140,000 | $ 177,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,495,000 | $ 498,333 | $ 270,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 1,345,000 | $ 448,333 | $ 79,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 3,015,000 | $ 1,005,000 | $ 22,000 |
| Raleigh, NC | 3 | $ 995,000 | $ 331,666 | $ 221,000 |
| Sebastian-Vero Beach, FL | 3 | $ 1,345,000 | $ 448,333 | $ 285,000 |
| Tallahassee, FL | 3 | $ 615,000 | $ 205,000 | $ 167,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 180,000 | $ 90,000 | $ 93,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 470,000 | $ 235,000 | $ 52,000 |
| Port St. Lucie, FL | 2 | $ 180,000 | $ 90,000 | $ 194,000 |
| Sherman-Denison, TX | 2 | $ 660,000 | $ 330,000 | $ 100,000 |
| Albany, GA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 10,735,000 | $ 10,735,000 | $ 0 |
| Burlington, NC | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Chicago-Naperville, IL | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Cincinnati, OH-KY-IN | 1 | $ 275,000 | $ 275,000 | $ 62,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 155,000 | $ 155,000 | $ 154,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Florence, SC | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Jackson, MS | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Joplin, MO | 1 | $ 115,000 | $ 115,000 | $ 201,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Mobile, AL | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 705,000 | $ 705,000 | $ 1,146,000 |
| Tyler, TX | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Wichita Falls, TX | 1 | $ 85,000 | $ 85,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank Ozk in 2024
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 | 1,673 | $195,255,000 | $116,000 | $3,755,000 | $135,000 | $6,000,000 |
| Home Purchase | 1,408 | $573,300,000 | $407,000 | $10,735,000 | $142,000 | $2,680,000 |
| Refinancing | 731 | $233,695,000 | $319,000 | $40,005,000 | $151,000 | $1,961,000 |
| Other Purpose | 621 | $65,695,000 | $105,000 | $1,365,000 | $113,000 | $930,000 |
| Cash-out Refinancing | 110 | $33,230,000 | $302,000 | $1,995,000 | $129,000 | $1,046,000 |
| 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 | 2,368 | $355,100,000 | $149,000 | $5,805,000 | $134,000 | $2,680,000 |
| Not applicable | 999 | $536,635,000 | $537,000 | $40,005,000 | $0 | $0 |
| Hispanic | 358 | $64,200,000 | $179,000 | $2,005,000 | $121,000 | $2,024,000 |
| Black or African American | 352 | $45,510,000 | $129,000 | $1,365,000 | $114,000 | $6,000,000 |
| Not Provided | 339 | $71,045,000 | $209,000 | $3,285,000 | $171,000 | $2,008,000 |
| Asian | 107 | $26,635,000 | $248,000 | $1,245,000 | $169,000 | $884,000 |
| American Indian or Alaskan Native | 19 | $1,985,000 | $104,000 | $495,000 | $97,000 | $364,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $99,000 | $99,000 |
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) | 4,461 | $1,082,015,000 | $242,000 | $40,005,000 | $136,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 62 | $15,240,000 | $245,000 | $445,000 | $88,000 | $317,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,310,000 | $206,000 | $365,000 | $105,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $610,000 | $152,000 | $205,000 | $52,000 | $76,000 |
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 | 1,840 | $397,410,000 | $215,000 | $40,005,000 | $170,000 | $6,000,000 |
| Application Denied By Financial Institution | 1,569 | $274,515,000 | $174,000 | $5,805,000 | $99,000 | $2,025,000 |
| Loan Purchased By The Institution | 553 | $263,895,000 | $477,000 | $2,715,000 | $0 | $0 |
| Application Withdrawn By Applicant | 462 | $144,080,000 | $311,000 | $14,005,000 | $133,000 | $1,146,000 |
| Application Approved But Not Accepted | 98 | $14,760,000 | $150,000 | $805,000 | $161,000 | $1,286,000 |
| File Closed For Incompleteness | 21 | $6,515,000 | $310,000 | $1,605,000 | $213,000 | $2,152,000 |
| 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 | 2,974 | $826,660,000 | $277,000 | $40,005,000 | $163,000 | $6,000,000 |
| Debt-To-Income Ratio | 740 | $151,520,000 | $204,000 | $5,805,000 | $86,000 | $2,025,000 |
| Credit History | 502 | $48,210,000 | $96,000 | $1,805,000 | $85,000 | $600,000 |
| Collateral | 177 | $26,125,000 | $147,000 | $3,285,000 | $140,000 | $1,729,000 |
| Credit Application Incomplete | 91 | $31,265,000 | $343,000 | $3,505,000 | $186,000 | $890,000 |
| Other | 30 | $12,190,000 | $406,000 | $4,645,000 | $144,000 | $960,000 |
| Unverifiable Information | 16 | $2,170,000 | $135,000 | $605,000 | $97,000 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,795,000 | $256,000 | $1,005,000 | $94,000 | $191,000 |
| Employment History | 6 | $1,240,000 | $206,000 | $285,000 | $55,000 | $139,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Ozk's 2024 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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with aggregated HMDA statistics today.
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