Bank OZK mortgage approval rate & lending review
Bank OZK decided 5,790 mortgage applications and funded 3,426 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank OZK reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank OZK at a glance
Approval is 11.1 points below the 73.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 54% | 509 / 942 | 96% | $205K | 491 |
| Home improvement loans | 54% | 1,344 / 2,504 | 93% | $75K | 1,250 |
| Cash-out refinance | 47% | 41 / 88 | 100% | $165K | 41 |
| Refinance | 61% | 476 / 775 | 95% | $125K | 451 |
| Investment property purchase | 88% | 778 / 883 | 97% | $145K | 753 |
| Investment refinance | 87% | 350 / 404 | 99% | $85K | 346 |
| Investment home improvement | 52% | 94 / 180 | 97% | $85K | 91 |
Bank OZK lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arkansas | 66% | $85K | 1,708 | 1,093 |
| Georgia | 57% | $85K | 1,558 | 855 |
| Florida | 56% | $75K | 1,483 | 779 |
| North Carolina | 67% | $135K | 643 | 409 |
| Texas | 78% | $165K | 346 | 258 |
| Tennessee | 81% | $175K | 21 | 16 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank OZK lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pulaski County, AR | Investment refinance | 96% | 152 | 146 |
| Manatee County, FL | Home improvement loans | 58% | 223 | 121 |
| Benton County, AR | Home improvement loans | 67% | 138 | 89 |
| Pulaski County, AR | Mortgage lenders | 57% | 144 | 82 |
| Pulaski County, AR | Investment property purchase | 93% | 91 | 82 |
| Pulaski County, AR | Home improvement loans | 52% | 154 | 76 |
| Pinellas County, FL | Home improvement loans | 56% | 142 | 71 |
| Carroll County, GA | Home improvement loans | 60% | 116 | 68 |
| Lowndes County, GA | Investment property purchase | 97% | 63 | 60 |
| Forsyth County, GA | Home improvement loans | 66% | 93 | 59 |
| Sarasota County, FL | Home improvement loans | 61% | 100 | 53 |
| Hillsborough County, FL | Home improvement loans | 47% | 111 | 48 |
The county markets where Bank OZK made the most loans. Each link opens that market with every lender ranked.
Questions about Bank OZK
What is Bank OZK's mortgage approval rate?
Bank OZK approved 62.1% of the 5,790 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.1 points below the 73.2% national rate for the same mix of loan types.
How often do borrowers take the loan Bank OZK offers?
Borrowers accepted 95% of the loans Bank OZK approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank OZK make?
The typical home improvement loan loan Bank OZK made was $75K; across all loan types its typical loan ran from $75K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank OZK lend?
Bank OZK decided applications in 16 of the states Fat Boy Data covers, most of them in Arkansas, Georgia and Florida.
Can I apply to Bank OZK directly?
Yes. Bank OZK is a bank or credit union with 270 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank OZK's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank OZK treats applications, then get a rate quote from the lender.