Bank OZK in Texas vs the state
14.6%Denial rate-4.80 pts vs state
20.1%Decision denial rate-4.81 pts vs state
54.4%Origination rate-0.46 pts vs state
6.50%Median rate0.00 pts vs state
0.55Rate spread (pts)+0.36 pts vs state
$89kMedian applicant income
160Loans originated
43Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 40 | 18.4% | 8.63% | #616 |
| 2024 | 171 | 92 | 21.1% | 7.50% | #437 |
| 2025 | 294 | 160 | 14.6% | 6.50% | #342 |
What Bank OZK lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Bank OZK applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 78 | 37 | 13 | 16.7% |
| Bexar County | 49 | 35 | 4 | 8.2% |
| Harris County | 39 | 21 | 8 | 20.5% |
| Tarrant County | 27 | 11 | 7 | 25.9% |
| Bowie County | 20 | 9 | 3 | 15.0% |
| Williamson County | 11 | 7 | 1 | 9.1% |
| Travis County | 9 | 7 | 0 | 0.0% |
| Montgomery County | 7 | 4 | 0 | 0.0% |
| Kaufman County | 6 | 3 | 1 | 16.7% |
| Galveston County | 5 | 5 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 294 applications in 2025, of which 160 were originated and 43 denied.
14.6% of all applications, or 20.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Bank OZK originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Bank OZK's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology