Bank OZK in Georgia vs the state
38.7%Denial rate+19.52 pts vs state
42.2%Decision denial rate+17.14 pts vs state
50.5%Origination rate-3.55 pts vs state
5.99%Median rate-0.63 pts vs state
-1.31Rate spread (pts)-1.58 pts vs state
$101kMedian applicant income
707Loans originated
542Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 564 | 238 | 45.6% | 8.05% | #113 |
| 2024 | 1,433 | 630 | 43.3% | 5.99% | #63 |
| 2025 | 1,399 | 707 | 38.7% | 5.99% | #71 |
What Bank OZK lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Bank OZK applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carroll County | 119 | 67 | 38 | 31.9% |
| Lowndes County | 95 | 65 | 24 | 25.3% |
| Forsyth County | 78 | 49 | 24 | 30.8% |
| Fulton County | 77 | 36 | 32 | 41.6% |
| Haralson County | 60 | 21 | 32 | 53.3% |
| Gwinnett County | 58 | 25 | 28 | 48.3% |
| Barrow County | 57 | 21 | 30 | 52.6% |
| Fannin County | 50 | 31 | 18 | 36.0% |
| Cherokee County | 46 | 24 | 16 | 34.8% |
| DeKalb County | 44 | 18 | 21 | 47.7% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 1,399 applications in 2025, of which 707 were originated and 542 denied.
38.7% of all applications, or 42.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Bank OZK originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology