Bank OZK in Florida vs the state
37.8%Denial rate+16.77 pts vs state
41.4%Decision denial rate+14.16 pts vs state
50.7%Origination rate-1.98 pts vs state
5.99%Median rate-0.63 pts vs state
-1.31Rate spread (pts)-1.58 pts vs state
$132kMedian applicant income
429Loans originated
320Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 394 | 168 | 42.1% | 8.00% | #269 |
| 2024 | 730 | 329 | 39.9% | 5.99% | #187 |
| 2025 | 846 | 429 | 37.8% | 5.99% | #170 |
What Bank OZK lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Bank OZK applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 160 | 84 | 55 | 34.4% |
| Manatee County | 160 | 81 | 61 | 38.1% |
| Hillsborough County | 87 | 46 | 32 | 36.8% |
| Sarasota County | 65 | 29 | 29 | 44.6% |
| Miami-Dade County | 60 | 28 | 27 | 45.0% |
| Lee County | 48 | 28 | 16 | 33.3% |
| Duval County | 39 | 18 | 20 | 51.3% |
| Broward County | 35 | 15 | 9 | 25.7% |
| Charlotte County | 24 | 10 | 9 | 37.5% |
| Marion County | 24 | 15 | 7 | 29.2% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 846 applications in 2025, of which 429 were originated and 320 denied.
37.8% of all applications, or 41.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Bank OZK originated in Florida in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Bank OZK's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology