What loan types does Bank OZK offer?

Bank OZK offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 44.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bank OZK?

Bank OZK is a Bank headquartered in Little Rock, AR.

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Bank OZK

Bank•Little Rock, ARHQ•Direct•Reviews near you on Google

Bank OZK has 157 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Mediocre

1/5

closing strength

Product

Acceptable

2/5

FHA · Conventional

Place

Sound

3/5

Multi-Region · 4 mkts

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Bank OZK performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+32.2 bps above market avg

Pull Through

Closing strength

Mediocre

Bottom 20% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

FHA

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$1,913Fees
FHA Loans	Acceptable	Acceptable	—	Mediocre	11	7.0%	+0.386%Above	$2,324Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Mediocre

Volume139

Mix88.5%

Spread

+0.348%Above

Fees

$1,913Fees

FHA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume11

Mix7.0%

Spread

+0.386%Above

Fees

$2,324Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Mediocre	122	77.7%	+0.322%Above	$2,027Fees
Refinance	Acceptable	Acceptable	Sound	Acceptable	35	22.3%	+0.320%Above	$1,744Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Mediocre

Volume122

Mix77.7%

Spread

+0.322%Above

Fees

$2,027Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume35

Mix22.3%

Spread

+0.320%Above

Fees

$1,744Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

157

Applications

530

Volume

$38 million

Pricing & Closing

Avg Rate Spread

+0.322%

vs. market APOR

Avg Net Fees

$1,969

Origination − Credits

Pullthrough Rate

29.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$243,471

Avg Borrower Income

$164,408

Avg Property Value

$374,682

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest2

MOWI

South6

ARFLGAMSNCTX

West1

Top Metro Areas by Place Specialization Score

Little Rock, ARMetro

Volume 24Mix 15.29% of portfolio

59/100

Sound

Fayetteville, ARMetro

Volume 17Mix 10.83% of portfolio

52/100

Sound

Atlanta, GAMetro

Volume 19Mix 12.10% of portfolio

50/100

Sound

Dallas, TXMetro

Volume 12Mix 7.64% of portfolio

44/100

Sound

Top States by Place Specialization Score

ArkansasState

Volume 71Mix 45.22% of portfolio

66/100

Strong

GeorgiaState

Volume 34Mix 21.66% of portfolio

55/100

Sound

TexasState

Volume 23Mix 14.65% of portfolio

46/100

Sound

North CarolinaState

Volume 11Mix 7.01% of portfolio

41/100

Sound

FloridaState

Volume 11Mix 7.01% of portfolio

38/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.