Bank OZK in North Carolina vs the state
30.3%Denial rate+12.25 pts vs state
34.3%Decision denial rate+11.48 pts vs state
55.9%Origination rate-1.90 pts vs state
5.99%Median rate-0.51 pts vs state
-1.32Rate spread (pts)-1.41 pts vs state
$85kMedian applicant income
284Loans originated
154Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 250 | 136 | 32.4% | 8.25% | #174 |
| 2024 | 307 | 168 | 29.3% | 5.99% | #177 |
| 2025 | 508 | 284 | 30.3% | 5.99% | #135 |
What Bank OZK lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Bank OZK applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cleveland County | 119 | 67 | 37 | 31.1% |
| Mecklenburg County | 64 | 36 | 22 | 34.4% |
| Gaston County | 46 | 20 | 14 | 30.4% |
| Forsyth County | 38 | 25 | 5 | 13.2% |
| Cabarrus County | 29 | 16 | 11 | 37.9% |
| Davidson County | 29 | 19 | 6 | 20.7% |
| Rutherford County | 24 | 10 | 11 | 45.8% |
| Rowan County | 24 | 11 | 10 | 41.7% |
| Davie County | 23 | 15 | 5 | 21.7% |
| Randolph County | 18 | 14 | 4 | 22.2% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 508 applications in 2025, of which 284 were originated and 154 denied.
30.3% of all applications, or 34.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Bank OZK originated in North Carolina in 2025 was 5.99%, against a statewide median of 6.50%.
About this data. Figures are Bank OZK's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology