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Bank OZK
Bank|Little Rock, AR|Multi-Region
Loans Originated
157
Applications
530
Volume
$38 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Average Rate Spread
+0.322%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,969
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
29.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pull through efficiency is below industry average
Report Card
Bank OZK performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
FHA | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 5 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$243,471
Average Borrower Income
$164,408
Average Property Value
$374,682
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Sound | Mediocre | 139 | 88.5% | +0.348% | $1,913 |
FHA Loans | Mediocre | Acceptable | N/A | Mediocre | 11 | 7.0% | +0.386% | $2,324 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Sound | Mediocre | 122 | 77.7% | +0.322% | $2,027 |
Refinance | Acceptable | Acceptable | Sound | Acceptable | 35 | 22.3% | +0.320% | $1,744 |
Geographic Coverage
Metro Areas
4
States Served
9
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARAZFLGAMOMSNCTXWI
Top Metro Areas by Place Specialization Score
1
Little Rock, ARMSA
Volume: 24Mix: 15.29%
Place Specialization
Sound
2
Fayetteville, ARMSA
Volume: 17Mix: 10.83%
Place Specialization
Sound
3
Atlanta, GAMSA
Volume: 19Mix: 12.10%
Place Specialization
Sound
4
Dallas, TXMSA
Volume: 12Mix: 7.64%
Place Specialization
Sound
Top States by Place Specialization Score
1
ARState
Volume: 71Mix: 45.22%
Place Specialization
Strong
2
GAState
Volume: 34Mix: 21.66%
Place Specialization
Sound
3
TXState
Volume: 23Mix: 14.65%
Place Specialization
Sound
4
NCState
Volume: 11Mix: 7.01%
Place Specialization
Sound
5
FLState
Volume: 11Mix: 7.01%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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