Bank OZK in Missouri vs the state
11.1%Denial rate-3.96 pts vs state
16.7%Decision denial rate-2.03 pts vs state
33.3%Origination rate-29.33 pts vs state
8.00%Median rate+1.38 pts vs state
1.27Rate spread (pts)+0.92 pts vs state
$68kMedian applicant income
3Loans originated
1Denied
What Bank OZK lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Bank OZK applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McDonald County | 2 | 1 | 1 | 50.0% |
| Newton County | 1 | 1 | 0 | 0.0% |
| Pulaski County | 1 | 0 | 0 | 0.0% |
| Stone County | 1 | 0 | 0 | 0.0% |
| Ozark County | 1 | 0 | 0 | 0.0% |
| Stoddard County | 1 | 1 | 0 | 0.0% |
| Scotland County | 1 | 0 | 0 | 0.0% |
| Barry County | 1 | 0 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 9 applications in 2025, of which 3 were originated and 1 denied.
11.1% of all applications, or 16.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Bank OZK originated in Missouri in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Bank OZK's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology