Applications / Mortgage Analytics / Lenders / Arkansas / Bank OZK
Little Rock, AR · State non-member bank · FDIC · $40.8 billion assets · 2,626 loans in 2025
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2,626
loans originated, 2025
5,040
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank OZK's originations rose 43% to 2,626 in 2025, faster than about nineteen in twenty similar banks, and its loan dollars rose to $1.29 billion from $397.4 million.
Similar lenders are state non-member banks making between half and twice as many loans. Their originations rose 13% and the whole market's 10%. Bank OZK's had fallen each year from 2018 to 2023, to 857, before rising to 1,840 and then 2,626. It also bought 817 loans, against 2 at the typical similar bank.
Purchases were 36.1% of its loans, home improvement 30.9%, refinancing 23.2% and other purposes 9.8%. Its typical loan was $125,000 against $205,000, lower than about nine in ten similar banks, which fits a mix with so many home-improvement loans.
Loans in LMI (low- and moderate-income) areas were 24.8% against 16.0%, higher than about nineteen in twenty similar banks, and loans in majority-minority areas 23.1% against 9.4%, higher than about four in five. Its LMI borrower share, 27.8% against 28.3%, was near the middle. Its markets include Miami, Los Angeles, Chicago, Atlanta and Dallas, which could account for part of the difference.
Higher-priced loans (a rate well above the average for similar loans) were 0.3% against 1.6%, down from 23.4% five years before. Its typical rate, 5.99% against 6.88%, was lower than about nineteen in twenty similar banks.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank OZK took 5,040 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.1% · Home improvement 30.9% · Refinance 23.2% · Other 9.8%
Conventional 96.4% · FHA 2.5% · VA 0.7% · USDA (RHS or FSA) 0.4% · of 2,626 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 1,001 | 38.1% |
| Georgia | 707 | 26.9% |
| Florida | 429 | 16.3% |
| North Carolina | 284 | 10.8% |
| Texas | 160 | 6.1% |
| Tennessee | 15 | 0.6% |
| South Carolina | 8 | 0.3% |
| Alabama | 6 | 0.2% |
| Louisiana | 3 | 0.1% |
| Missouri | 3 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 446 |
| Atlanta-Sandy Springs-Roswell | 313 |
| Fayetteville-Springdale-Rogers | 119 |
| North Port-Bradenton-Sarasota | 110 |
| Charlotte-Concord-Gastonia | 97 |
| Marietta | 96 |
| St. Petersburg-Clearwater-Largo | 84 |
| Fort Smith | 74 |
| Valdosta | 69 |
| Hot Springs | 68 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VYK2WBD7SST478 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 107244 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3110 | 2000–2016 |
| Respondent ID (the HMDA filer code before 2018) | 9107244 | 2017–2017 |
Established 3 March 1903. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Bank OZK's data.
Bank OZK's data
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Bank OZK and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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