Lender profile · HMDA 2023–2025
Bank OZK mortgage approval rates & lending data
Bank OZK decided 5,790 mortgage applications and funded 3,426 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| South Carolina | 54% | $355K | 13 | 7 |
| Alabama | 40% | $35K | 5 | 2 |
| Louisiana | 100% | $295K | 3 | 2 |
| New York | 67% | — | 3 | 0 |
| Colorado | 50% | $555K | 2 | 1 |
| Arizona | 100% | $115K | 1 | 1 |
| Mississippi | 0% | — | 1 | 0 |
| Virginia | 100% | $1.45M | 1 | 1 |
| Washington | 100% | $415K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.