Bank OZK in Arkansas vs the state
31.0%Denial rate+12.80 pts vs state
36.3%Decision denial rate+13.17 pts vs state
52.5%Origination rate-4.34 pts vs state
6.50%Median rate-0.13 pts vs state
-1.27Rate spread (pts)-1.61 pts vs state
$77kMedian applicant income
1,001Loans originated
591Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 574 | 261 | 44.1% | 8.25% | #38 |
| 2024 | 1,299 | 601 | 39.6% | 5.99% | #22 |
| 2025 | 1,907 | 1,001 | 31.0% | 6.50% | #13 |
What Bank OZK lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Bank OZK applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 511 | 307 | 113 | 22.1% |
| Benton County | 160 | 74 | 50 | 31.3% |
| Garland County | 150 | 68 | 52 | 34.7% |
| Saline County | 123 | 51 | 45 | 36.6% |
| Faulkner County | 105 | 60 | 29 | 27.6% |
| Washington County | 76 | 44 | 24 | 31.6% |
| Sebastian County | 73 | 45 | 14 | 19.2% |
| Hot Spring County | 71 | 36 | 27 | 38.0% |
| Craighead County | 62 | 54 | 3 | 4.8% |
| Pope County | 59 | 35 | 15 | 25.4% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 1,907 applications in 2025, of which 1,001 were originated and 591 denied.
31.0% of all applications, or 36.3% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Bank OZK originated in Arkansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Bank OZK's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology