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- Data Updated through 2023
Bank Of The Ozarks
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Bank Of The Ozarks 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bank Of The Ozarks Po Box 8811 Little Rock, AR 72231 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,217 |
| Total Mortgage Loan Application Amount | $388,847,000 |
| Average Mortgage Loan Application Amount | $139,333 |
| Highest Mortgage Loan Application Amount | $18,388,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $1,441,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Bank Of The Ozarks. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bank Of The Ozarks's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Bank Of The Ozarks's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bank Of The Ozarks serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Of The Ozarks, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bank Of The Ozarks's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Arkansas County Arkansas | 3 | $ 521,000 | $ 173,000 | $ 83,000 |
| Baldwin County Alabama | 2 | $ 330,000 | $ 165,000 | $ 114,000 |
| Barrow County Georgia | 2 | $ 209,000 | $ 104,000 | $ 43,000 |
| Bartow County Georgia | 20 | $ 1,872,000 | $ 93,000 | $ 55,000 |
| Baxter County Arkansas | 32 | $ 3,969,000 | $ 124,000 | $ 80,000 |
| Beaufort County South Carolina | 2 | $ 290,000 | $ 145,000 | $ 82,000 |
| Benton County Arkansas | 138 | $ 22,108,000 | $ 160,000 | $ 100,000 |
| Bexar County Texas | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Bonner County Idaho | 1 | $ 219,000 | $ 219,000 | $ 88,000 |
| Boone County Arkansas | 44 | $ 2,421,000 | $ 55,000 | $ 52,000 |
| Bowie County Texas | 38 | $ 5,143,000 | $ 135,000 | $ 135,000 |
| Brantley County Georgia | 2 | $ 25,000 | $ 12,000 | $ 21,000 |
| Brazos County Texas | 2 | $ 18,487,000 | $ 9,243,000 | $ 72,000 |
| Brooks County Georgia | 2 | $ 255,000 | $ 127,000 | $ 59,000 |
| Bryan County Georgia | 2 | $ 433,000 | $ 216,000 | $ 75,000 |
| Camden County Georgia | 4 | $ 651,000 | $ 162,000 | $ 41,000 |
| Carroll County Arkansas | 6 | $ 661,000 | $ 110,000 | $ 116,000 |
| Carroll County Georgia | 1 | $ 44,000 | $ 44,000 | $ 53,000 |
| Chambers County Texas | 1 | $ 244,000 | $ 244,000 | $ 175,000 |
| Chatham County Georgia | 8 | $ 1,557,000 | $ 194,000 | $ 135,000 |
| Cherokee County Oklahoma | 1 | $ 44,000 | $ 44,000 | $ 76,000 |
| Clark County Arkansas | 3 | $ 191,000 | $ 63,000 | $ 42,000 |
| Clarke County Georgia | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Cleburne County Arkansas | 7 | $ 1,448,000 | $ 206,000 | $ 97,000 |
| Clinch County Georgia | 1 | $ 9,000 | $ 9,000 | $ 16,000 |
| Collin County Texas | 120 | $ 24,198,000 | $ 201,000 | $ 126,000 |
| Columbia County Arkansas | 1 | $ 72,000 | $ 72,000 | $ 46,000 |
| Columbia County Florida | 1 | $ 129,000 | $ 129,000 | $ 49,000 |
| Comal County Texas | 1 | $ 408,000 | $ 408,000 | $ 192,000 |
| Conway County Arkansas | 7 | $ 755,000 | $ 107,000 | $ 105,000 |
| Cook County Georgia | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Coweta County Georgia | 4 | $ 179,000 | $ 44,000 | $ 59,000 |
| Craighead County Arkansas | 2 | $ 99,000 | $ 49,000 | $ 59,000 |
| Crawford County Arkansas | 75 | $ 7,729,000 | $ 103,000 | $ 74,000 |
| Cullman County Alabama | 1 | $ 4,000 | $ 4,000 | $ 16,000 |
| Dallas County Texas | 25 | $ 4,969,000 | $ 198,000 | $ 101,000 |
| Dawson County Georgia | 2 | $ 71,000 | $ 35,000 | $ 35,000 |
| Decatur County Georgia | 26 | $ 1,713,000 | $ 65,000 | $ 61,000 |
| DeKalb County Georgia | 2 | $ 4,537,000 | $ 2,268,000 | $ 0 |
| Denton County Texas | 107 | $ 24,671,000 | $ 230,000 | $ 112,000 |
| Denver County Colorado | 1 | $ 358,000 | $ 358,000 | $ 224,000 |
| Douglas County Kansas | 1 | $ 154,000 | $ 154,000 | $ 70,000 |
| Drew County Arkansas | 1 | $ 218,000 | $ 218,000 | $ 144,000 |
| Early County Georgia | 1 | $ 113,000 | $ 113,000 | $ 70,000 |
| Echols County Georgia | 1 | $ 24,000 | $ 24,000 | $ 16,000 |
| Escambia County Florida | 2 | $ 152,000 | $ 76,000 | $ 42,000 |
| Faulkner County Arkansas | 156 | $ 29,791,000 | $ 190,000 | $ 78,000 |
| Fayette County Georgia | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
| Floyd County Georgia | 5 | $ 626,000 | $ 125,000 | $ 86,000 |
| Forsyth County Georgia | 7 | $ 1,110,000 | $ 158,000 | $ 66,000 |
| Franklin County Arkansas | 42 | $ 2,204,000 | $ 52,000 | $ 62,000 |
| Fulton County Arkansas | 2 | $ 264,000 | $ 132,000 | $ 32,000 |
| Fulton County Georgia | 4 | $ 3,193,000 | $ 798,000 | $ 110,000 |
| Galveston County Texas | 1 | $ 134,000 | $ 134,000 | $ 35,000 |
| Garland County Arkansas | 37 | $ 5,196,000 | $ 140,000 | $ 94,000 |
| Gillespie County Texas | 1 | $ 195,000 | $ 195,000 | $ 484,000 |
| Glynn County Georgia | 32 | $ 5,060,000 | $ 158,000 | $ 85,000 |
| Gordon County Georgia | 8 | $ 720,000 | $ 90,000 | $ 73,000 |
| Grady County Georgia | 11 | $ 854,000 | $ 77,000 | $ 43,000 |
| Grayson County Texas | 2 | $ 545,000 | $ 272,000 | $ 460,000 |
| Gwinnett County Georgia | 4 | $ 3,014,000 | $ 753,000 | $ 54,000 |
| Hamilton County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 98,000 |
| Hardin County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 125,000 |
| Harris County Texas | 3 | $ 8,189,000 | $ 2,729,000 | $ 408,000 |
| Harrison County Mississippi | 2 | $ 4,150,000 | $ 2,075,000 | $ 60,000 |
| Hays County Texas | 2 | $ 555,000 | $ 277,000 | $ 276,000 |
| Hempstead County Arkansas | 2 | $ 248,000 | $ 124,000 | $ 65,000 |
| Henry County Georgia | 2 | $ 335,000 | $ 167,000 | $ 54,000 |
| Hood County Texas | 2 | $ 365,000 | $ 182,000 | $ 411,000 |
| Hot Spring County Arkansas | 5 | $ 638,000 | $ 127,000 | $ 88,000 |
| Houston County Georgia | 1 | $ 146,000 | $ 146,000 | $ 98,000 |
| Independence County Arkansas | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Jackson County Georgia | 2 | $ 306,000 | $ 153,000 | $ 69,000 |
| Jackson County Mississippi | 1 | $ 49,000 | $ 49,000 | $ 35,000 |
| Jasper County South Carolina | 1 | $ 52,000 | $ 52,000 | $ 94,000 |
| Jefferson County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Johnson County Arkansas | 41 | $ 2,382,000 | $ 58,000 | $ 53,000 |
| Johnson County Texas | 2 | $ 140,000 | $ 70,000 | $ 46,000 |
| Kane County Illinois | 1 | $ 277,000 | $ 277,000 | $ 120,000 |
| Karnes County Texas | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Kaufman County Texas | 1 | $ 391,000 | $ 391,000 | $ 0 |
| Lake County Illinois | 1 | $ 412,000 | $ 412,000 | $ 281,000 |
| Lauderdale County Alabama | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Lauderdale County Mississippi | 1 | $ 186,000 | $ 186,000 | $ 76,000 |
| Le Flore County Oklahoma | 4 | $ 455,000 | $ 113,000 | $ 93,000 |
| Little River County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Logan County Arkansas | 12 | $ 781,000 | $ 65,000 | $ 43,000 |
| Lonoke County Arkansas | 74 | $ 11,712,000 | $ 158,000 | $ 80,000 |
| Loudoun County Virginia | 1 | $ 417,000 | $ 417,000 | $ 113,000 |
| Lowndes County Georgia | 20 | $ 2,714,000 | $ 135,000 | $ 56,000 |
| Lubbock County Texas | 1 | $ 89,000 | $ 89,000 | $ 173,000 |
| Madison County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Madison County Georgia | 1 | $ 102,000 | $ 102,000 | $ 31,000 |
| Manatee County Florida | 4 | $ 677,000 | $ 169,000 | $ 216,000 |
| Marion County Arkansas | 19 | $ 1,198,000 | $ 63,000 | $ 34,000 |
| Marion County Florida | 3 | $ 356,000 | $ 118,000 | $ 99,000 |
| McCurtain County Oklahoma | 2 | $ 311,000 | $ 155,000 | $ 98,000 |
| McDonald County Missouri | 1 | $ 5,000 | $ 5,000 | $ 126,000 |
| McIntosh County Georgia | 2 | $ 368,000 | $ 184,000 | $ 74,000 |
| McLennan County Texas | 9 | $ 1,373,000 | $ 152,000 | $ 101,000 |
| Mecklenburg County North Carolina | 3 | $ 1,187,000 | $ 395,000 | $ 0 |
| Meriwether County Georgia | 1 | $ 72,000 | $ 72,000 | $ 66,000 |
| Middlesex County Massachusetts | 1 | $ 333,000 | $ 333,000 | $ 90,000 |
| Miller County Arkansas | 36 | $ 4,779,000 | $ 132,000 | $ 82,000 |
| Miller County Georgia | 1 | $ 59,000 | $ 59,000 | $ 51,000 |
| Mitchell County Georgia | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Mobile County Alabama | 7 | $ 374,000 | $ 53,000 | $ 54,000 |
| Monroe County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 130,000 |
| Monroe County Georgia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Montague County Texas | 1 | $ 70,000 | $ 70,000 | $ 49,000 |
| Montgomery County Arkansas | 2 | $ 159,000 | $ 79,000 | $ 99,000 |
| Navarro County Texas | 1 | $ 357,000 | $ 357,000 | $ 156,000 |
| Newton County Arkansas | 35 | $ 1,102,000 | $ 31,000 | $ 34,000 |
| Newton County Georgia | 1 | $ 2,000 | $ 2,000 | $ 20,000 |
| Oconee County Georgia | 3 | $ 462,000 | $ 154,000 | $ 66,000 |
| Okaloosa County Florida | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Orange County Texas | 1 | $ 144,000 | $ 144,000 | $ 87,000 |
| Ozark County Missouri | 3 | $ 366,000 | $ 122,000 | $ 39,000 |
| Parker County Texas | 3 | $ 1,278,000 | $ 426,000 | $ 58,000 |
| Paulding County Georgia | 1 | $ 60,000 | $ 60,000 | $ 61,000 |
| Perry County Arkansas | 6 | $ 813,000 | $ 135,000 | $ 62,000 |
| Pike County Arkansas | 1 | $ 345,000 | $ 345,000 | $ 97,000 |
| Pike County Georgia | 1 | $ 23,000 | $ 23,000 | $ 37,000 |
| Pope County Arkansas | 69 | $ 8,653,000 | $ 125,000 | $ 57,000 |
| Portsmouth County Virginia | 1 | $ 56,000 | $ 56,000 | $ 150,000 |
| Pulaski County Arkansas | 366 | $ 71,207,000 | $ 194,000 | $ 102,000 |
| Pushmataha County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Rankin County Mississippi | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Rockdale County Georgia | 1 | $ 1,655,000 | $ 1,655,000 | $ 0 |
| Rockwall County Texas | 2 | $ 287,000 | $ 143,000 | $ 124,000 |
| Saline County Arkansas | 150 | $ 24,109,000 | $ 160,000 | $ 72,000 |
| San Francisco County California | 1 | $ 230,000 | $ 230,000 | $ 91,000 |
| Searcy County Arkansas | 19 | $ 916,000 | $ 48,000 | $ 53,000 |
| Sebastian County Arkansas | 55 | $ 7,107,000 | $ 129,000 | $ 80,000 |
| Seminole County Georgia | 2 | $ 85,000 | $ 42,000 | $ 8,000 |
| Sequoyah County Oklahoma | 3 | $ 353,000 | $ 117,000 | $ 63,000 |
| Sevier County Arkansas | 1 | $ 206,000 | $ 206,000 | $ 116,000 |
| Sevier County Tennessee | 1 | $ 134,000 | $ 134,000 | $ 75,000 |
| Shelby County Tennessee | 2 | $ 546,000 | $ 273,000 | $ 188,000 |
| Smith County Texas | 2 | $ 382,000 | $ 191,000 | $ 145,000 |
| Somervell County Texas | 1 | $ 286,000 | $ 286,000 | $ 237,000 |
| Stone County Arkansas | 2 | $ 235,000 | $ 117,000 | $ 39,000 |
| Sunflower County Mississippi | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Tarrant County Texas | 64 | $ 11,689,000 | $ 182,000 | $ 104,000 |
| Thomas County Georgia | 1 | $ 124,000 | $ 124,000 | $ 65,000 |
| Travis County Texas | 2 | $ 350,000 | $ 175,000 | $ 85,000 |
| Troup County Georgia | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Van Buren County Arkansas | 26 | $ 2,693,000 | $ 103,000 | $ 57,000 |
| Washington County Arkansas | 62 | $ 13,083,000 | $ 211,000 | $ 83,000 |
| Waukesha County Wisconsin | 1 | $ 288,000 | $ 288,000 | $ 163,000 |
| White County Arkansas | 3 | $ 393,000 | $ 131,000 | $ 66,000 |
| Wise County Texas | 3 | $ 306,000 | $ 102,000 | $ 83,000 |
| Yell County Arkansas | 7 | $ 914,000 | $ 130,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Bank Of The Ozarks in 2012
Loan Purpose | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,043 | $209,367,000 | $200,000 | $18,388,000 | $97,000 | $1,441,000 |
| Home Purchase | 950 | $170,645,000 | $179,000 | $7,000,000 | $81,000 | $926,000 |
| Home Improvement | 224 | $8,835,000 | $39,000 | $530,000 | $65,000 | $1,342,000 |
Applicant Race | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,948 | $294,801,000 | $151,000 | $1,600,000 | $92,000 | $1,441,000 |
| Not applicable | 91 | $70,297,000 | $772,000 | $18,388,000 | $0 | $0 |
| Black or African American | 67 | $6,261,000 | $93,000 | $383,000 | $49,000 | $201,000 |
| Hispanic | 52 | $8,541,000 | $164,000 | $1,000,000 | $93,000 | $926,000 |
| Asian | 32 | $5,637,000 | $176,000 | $417,000 | $94,000 | $256,000 |
| Not Provided | 18 | $2,295,000 | $127,000 | $400,000 | $93,000 | $315,000 |
| American Indian or Alaskan Native | 8 | $881,000 | $110,000 | $281,000 | $109,000 | $247,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $134,000 | $134,000 | $134,000 | $49,000 | $49,000 |
Loan Type | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,845 | $335,712,000 | $181,000 | $18,388,000 | $92,000 | $1,441,000 |
| FHA-insured (Federal Housing Administration) | 214 | $30,519,000 | $142,000 | $278,000 | $68,000 | $459,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 99 | $11,126,000 | $112,000 | $336,000 | $39,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 59 | $11,490,000 | $194,000 | $414,000 | $78,000 | $201,000 |
Outcome | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,707 | $326,267,000 | $191,000 | $18,388,000 | $91,000 | $1,342,000 |
| Application Denied By Financial Institution | 301 | $31,691,000 | $105,000 | $1,568,000 | $63,000 | $1,441,000 |
| Application Withdrawn By Applicant | 191 | $28,628,000 | $149,000 | $1,171,000 | $87,000 | $926,000 |
| Application Approved But Not Accepted | 18 | $2,261,000 | $125,000 | $279,000 | $95,000 | $308,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 124 | $7,369,000 | $59,000 | $518,000 | $54,000 | $1,441,000 |
| Debt-To-Income Ratio | 73 | $10,366,000 | $142,000 | $1,568,000 | $54,000 | $240,000 |
| Collateral | 54 | $6,015,000 | $111,000 | $400,000 | $73,000 | $237,000 |
| Credit Application Incomplete | 29 | $4,397,000 | $151,000 | $400,000 | $89,000 | $315,000 |
| Unverifiable Information | 8 | $1,770,000 | $221,000 | $465,000 | $98,000 | $233,000 |
| Employment History | 6 | $634,000 | $105,000 | $199,000 | $66,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $673,000 | $168,000 | $366,000 | $88,000 | $202,000 |
| Other | 3 | $467,000 | $155,000 | $258,000 | $86,000 | $140,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The Ozarks's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank Of The Ozarks's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.
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