# Bank OZK

> **Canonical URL:** https://saferate.com/lenders/bank-ozk


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Bank OZK is a bank, headquartered in Little Rock, AR, serving borrowers across 9 states, with 157 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 85% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300VYK2WBD7SST478
- **Headquarters:** Little Rock, AR
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AR, AZ, FL, GA, MO, MS, NC, TX, WI
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Mediocre 😐
- Score: 15/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.322%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,969
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 157
- **Dollar Volume:** $38 million
- **Applications Received:** 530
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $243,471
- **Average Borrower Income:** $164,408
- **Average Property Value:** $374,682

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 139 | +0.348% | $1,913 | Acceptable 🙂 |
| FHA | 35/100 | 11 | +0.386% | $2,324 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 107 loans, Score: 37/100 (Acceptable)
- Refinance: 32 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 122 | $32M | +0.322% | Acceptable 🙂 |
| Refinance | 39/100 | 35 | $6M | +0.320% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 71 | 0.22% | 66/100 |
| GA | 34 | 0.02% | 55/100 |
| TX | 23 | 0.01% | 46/100 |
| FL | 11 | 0.00% | 38/100 |
| NC | 11 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 31 | 41/100 |
| Little Rock | AR | 24 | 59/100 |
| Atlanta | GA | 19 | 50/100 |
| Fayetteville | AR | 17 | 52/100 |
| Dallas | TX | 12 | 44/100 |

## Where This Lender Ranks

Bank OZK appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#17** in Little Rock for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Bank OZK offer?

Bank OZK offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bank OZK offer mortgages?

Bank OZK offers mortgages in 9 states: AR, AZ, FL, GA, MO, MS, NC, TX, WI.

### How competitive are Bank OZK's mortgage rates?

Bank OZK has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.322% above market average.

### What type of lender is Bank OZK?

Bank OZK is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Little Rock, AR.

### What is Bank OZK's loan approval success rate?

Bank OZK has a pull-through score of 15/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bank-ozk

### How to Cite

> "Bank OZK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bank-ozk

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