Bank Of The Ozarks 2013 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 | 2,116 |
Total Mortgage Loan Application Amount | $376,093,000 |
Average Mortgage Loan Application Amount | $139,666 |
Highest Mortgage Loan Application Amount | $24,000,000 |
Average Applicant Income | $77,333 |
Highest Applicant Income | $2,492,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
---|---|---|---|---|
Aransas County Texas | 1 | $ 319,000 | $ 319,000 | $ 471,000 |
Arkansas County Arkansas | 1 | $ 112,000 | $ 112,000 | $ 45,000 |
Avery County North Carolina | 1 | $ 172,000 | $ 172,000 | $ 243,000 |
Baldwin County Alabama | 2 | $ 332,000 | $ 166,000 | $ 52,000 |
Baldwin County Georgia | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
Bartow County Georgia | 18 | $ 2,083,000 | $ 115,000 | $ 52,000 |
Baxter County Arkansas | 42 | $ 6,451,000 | $ 153,000 | $ 71,000 |
Bay County Florida | 1 | $ 90,000 | $ 90,000 | $ 277,000 |
Beaufort County South Carolina | 4 | $ 644,000 | $ 161,000 | $ 93,000 |
Bedford County Virginia | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
Benton County Arkansas | 96 | $ 16,588,000 | $ 172,000 | $ 103,000 |
Boone County Arkansas | 50 | $ 5,412,000 | $ 108,000 | $ 57,000 |
Bosque County Texas | 1 | $ 141,000 | $ 141,000 | $ 68,000 |
Bowie County Texas | 19 | $ 2,543,000 | $ 133,000 | $ 87,000 |
Brantley County Georgia | 1 | $ 257,000 | $ 257,000 | $ 45,000 |
Brazos County Texas | 1 | $ 105,000 | $ 105,000 | $ 340,000 |
Brooks County Georgia | 2 | $ 187,000 | $ 93,000 | $ 64,000 |
Broward County Florida | 1 | $ 132,000 | $ 132,000 | $ 170,000 |
Brunswick County North Carolina | 2 | $ 313,000 | $ 156,000 | $ 27,000 |
Bulloch County Georgia | 1 | $ 250,000 | $ 250,000 | $ 74,000 |
Burke County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 62,000 |
Burnet County Texas | 1 | $ 163,000 | $ 163,000 | $ 129,000 |
Camden County Georgia | 2 | $ 197,000 | $ 98,000 | $ 11,000 |
Carroll County Arkansas | 3 | $ 267,000 | $ 89,000 | $ 48,000 |
Carroll County Georgia | 3 | $ 205,000 | $ 68,000 | $ 95,000 |
Cass County Texas | 3 | $ 502,000 | $ 167,000 | $ 57,000 |
Catawba County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 49,000 |
Chatham County Georgia | 1 | $ 119,000 | $ 119,000 | $ 80,000 |
Chattooga County Georgia | 1 | $ 32,000 | $ 32,000 | $ 36,000 |
Cherokee County Alabama | 1 | $ 47,000 | $ 47,000 | $ 0 |
Cherokee County South Carolina | 3 | $ 124,000 | $ 41,000 | $ 43,000 |
Chester County Pennsylvania | 1 | $ 206,000 | $ 206,000 | $ 243,000 |
Christian County Missouri | 1 | $ 133,000 | $ 133,000 | $ 44,000 |
Clark County Arkansas | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
Clarke County Georgia | 10 | $ 1,387,000 | $ 138,000 | $ 97,000 |
Cleburne County Arkansas | 3 | $ 682,000 | $ 227,000 | $ 266,000 |
Cleveland County North Carolina | 37 | $ 3,160,000 | $ 85,000 | $ 54,000 |
Cobb County Georgia | 3 | $ 505,000 | $ 168,000 | $ 52,000 |
Collin County Texas | 81 | $ 19,033,000 | $ 234,000 | $ 112,000 |
Conway County Arkansas | 5 | $ 988,000 | $ 197,000 | $ 60,000 |
Covington County Alabama | 1 | $ 113,000 | $ 113,000 | $ 120,000 |
Coweta County Georgia | 6 | $ 817,000 | $ 136,000 | $ 86,000 |
Craighead County Arkansas | 5 | $ 4,076,000 | $ 815,000 | $ 98,000 |
Crawford County Arkansas | 74 | $ 6,012,000 | $ 81,000 | $ 59,000 |
Crittenden County Arkansas | 1 | $ 122,000 | $ 122,000 | $ 54,000 |
Cullman County Alabama | 1 | $ 7,000 | $ 7,000 | $ 17,000 |
Dakota County Minnesota | 1 | $ 401,000 | $ 401,000 | $ 118,000 |
Dale County Alabama | 1 | $ 54,000 | $ 54,000 | $ 36,000 |
Dallas County Texas | 37 | $ 7,666,000 | $ 207,000 | $ 160,000 |
Dane County Wisconsin | 1 | $ 143,000 | $ 143,000 | $ 43,000 |
Decatur County Georgia | 27 | $ 1,417,000 | $ 52,000 | $ 41,000 |
DeKalb County Georgia | 1 | $ 404,000 | $ 404,000 | $ 102,000 |
Denton County Texas | 78 | $ 15,333,000 | $ 196,000 | $ 118,000 |
Douglas County Georgia | 3 | $ 387,000 | $ 129,000 | $ 44,000 |
Duval County Florida | 1 | $ 4,240,000 | $ 4,240,000 | $ 0 |
Early County Georgia | 1 | $ 190,000 | $ 190,000 | $ 61,000 |
Echols County Georgia | 2 | $ 307,000 | $ 153,000 | $ 60,000 |
Eddy County New Mexico | 1 | $ 175,000 | $ 175,000 | $ 0 |
Ellis County Texas | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
Escambia County Florida | 1 | $ 190,000 | $ 190,000 | $ 63,000 |
Faulkner County Arkansas | 109 | $ 19,767,000 | $ 181,000 | $ 67,000 |
Fayette County Georgia | 2 | $ 625,000 | $ 312,000 | $ 202,000 |
Floyd County Georgia | 6 | $ 960,000 | $ 160,000 | $ 96,000 |
Forsyth County Georgia | 3 | $ 220,000 | $ 73,000 | $ 41,000 |
Franklin County Arkansas | 41 | $ 1,577,000 | $ 38,000 | $ 60,000 |
Franklin County Texas | 1 | $ 300,000 | $ 300,000 | $ 285,000 |
Fremont County Colorado | 1 | $ 367,000 | $ 367,000 | $ 87,000 |
Fulton County Arkansas | 1 | $ 140,000 | $ 140,000 | $ 52,000 |
Fulton County Georgia | 3 | $ 275,000 | $ 91,000 | $ 106,000 |
Garland County Arkansas | 83 | $ 11,153,000 | $ 134,000 | $ 98,000 |
Gaston County North Carolina | 26 | $ 2,405,000 | $ 92,000 | $ 43,000 |
Geneva County Alabama | 26 | $ 1,207,000 | $ 46,000 | $ 62,000 |
Gila County Arizona | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
Glynn County Georgia | 27 | $ 4,746,000 | $ 175,000 | $ 98,000 |
Gordon County Georgia | 7 | $ 618,000 | $ 88,000 | $ 96,000 |
Grady County Georgia | 10 | $ 630,000 | $ 63,000 | $ 50,000 |
Grayson County Texas | 1 | $ 184,000 | $ 184,000 | $ 261,000 |
Gulf County Florida | 1 | $ 69,000 | $ 69,000 | $ 0 |
Gwinnett County Georgia | 4 | $ 792,000 | $ 198,000 | $ 91,000 |
Hall County Georgia | 3 | $ 457,000 | $ 152,000 | $ 70,000 |
Hamilton County Tennessee | 1 | $ 192,000 | $ 192,000 | $ 100,000 |
Harrison County Texas | 1 | $ 367,000 | $ 367,000 | $ 175,000 |
Hays County Texas | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
Henry County Georgia | 2 | $ 185,000 | $ 92,000 | $ 63,000 |
Hidalgo County Texas | 1 | $ 173,000 | $ 173,000 | $ 70,000 |
Hillsborough County Florida | 1 | $ 392,000 | $ 392,000 | $ 155,000 |
Holmes County Florida | 6 | $ 322,000 | $ 53,000 | $ 30,000 |
Hood County Texas | 1 | $ 176,000 | $ 176,000 | $ 103,000 |
Horry County South Carolina | 1 | $ 134,000 | $ 134,000 | $ 0 |
Hot Spring County Arkansas | 5 | $ 907,000 | $ 181,000 | $ 85,000 |
Houston County Georgia | 1 | $ 3,960,000 | $ 3,960,000 | $ 0 |
Howell County Missouri | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
Jackson County Georgia | 2 | $ 229,000 | $ 114,000 | $ 45,000 |
Jefferson County Arkansas | 1 | $ 42,000 | $ 42,000 | $ 54,000 |
Johnson County Arkansas | 38 | $ 2,199,000 | $ 57,000 | $ 69,000 |
Johnson County Kansas | 1 | $ 403,000 | $ 403,000 | $ 140,000 |
Johnson County Texas | 2 | $ 360,000 | $ 180,000 | $ 33,000 |
Kaufman County Texas | 1 | $ 149,000 | $ 149,000 | $ 85,000 |
Lanier County Georgia | 1 | $ 300,000 | $ 300,000 | $ 56,000 |
Le Flore County Oklahoma | 1 | $ 76,000 | $ 76,000 | $ 84,000 |
Leavenworth County Kansas | 1 | $ 51,000 | $ 51,000 | $ 48,000 |
Limestone County Alabama | 1 | $ 283,000 | $ 283,000 | $ 111,000 |
Lincoln County North Carolina | 12 | $ 1,453,000 | $ 121,000 | $ 38,000 |
Little River County Arkansas | 3 | $ 234,000 | $ 78,000 | $ 52,000 |
Logan County Arkansas | 15 | $ 845,000 | $ 56,000 | $ 40,000 |
Lonoke County Arkansas | 56 | $ 7,322,000 | $ 130,000 | $ 84,000 |
Lowndes County Georgia | 38 | $ 3,475,000 | $ 91,000 | $ 69,000 |
Lubbock County Texas | 1 | $ 99,000 | $ 99,000 | $ 215,000 |
Lumpkin County Georgia | 3 | $ 528,000 | $ 176,000 | $ 58,000 |
Lycoming County Pennsylvania | 1 | $ 178,000 | $ 178,000 | $ 46,000 |
Madison County Kentucky | 1 | $ 289,000 | $ 289,000 | $ 180,000 |
Manatee County Florida | 5 | $ 1,092,000 | $ 218,000 | $ 66,000 |
Marion County Arkansas | 24 | $ 1,716,000 | $ 71,000 | $ 39,000 |
Marion County Florida | 7 | $ 667,000 | $ 95,000 | $ 59,000 |
McCurtain County Oklahoma | 1 | $ 104,000 | $ 104,000 | $ 47,000 |
McIntosh County Georgia | 3 | $ 785,000 | $ 261,000 | $ 98,000 |
McLennan County Texas | 13 | $ 2,187,000 | $ 168,000 | $ 69,000 |
Mecklenburg County North Carolina | 10 | $ 2,691,000 | $ 269,000 | $ 32,000 |
Miller County Arkansas | 18 | $ 2,337,000 | $ 129,000 | $ 83,000 |
Miller County Georgia | 2 | $ 241,000 | $ 120,000 | $ 60,000 |
Mobile County Alabama | 6 | $ 1,227,000 | $ 204,000 | $ 83,000 |
Montague County Texas | 1 | $ 98,000 | $ 98,000 | $ 100,000 |
Montgomery County Georgia | 1 | $ 72,000 | $ 72,000 | $ 19,000 |
Montgomery County Texas | 1 | $ 417,000 | $ 417,000 | $ 510,000 |
New Hanover County North Carolina | 3 | $ 305,000 | $ 101,000 | $ 96,000 |
Newton County Arkansas | 28 | $ 1,298,000 | $ 46,000 | $ 50,000 |
Oconee County Georgia | 7 | $ 1,905,000 | $ 272,000 | $ 124,000 |
Oklahoma County Oklahoma | 2 | $ 21,284,000 | $ 10,642,000 | $ 25,000 |
Okmulgee County Oklahoma | 1 | $ 104,000 | $ 104,000 | $ 39,000 |
Orange County Florida | 1 | $ 274,000 | $ 274,000 | $ 452,000 |
Parker County Texas | 5 | $ 1,171,000 | $ 234,000 | $ 241,000 |
Paulding County Georgia | 5 | $ 661,000 | $ 132,000 | $ 87,000 |
Pender County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 0 |
Pickens County Georgia | 1 | $ 10,000 | $ 10,000 | $ 26,000 |
Polk County Georgia | 1 | $ 70,000 | $ 70,000 | $ 10,000 |
Pope County Arkansas | 70 | $ 7,994,000 | $ 114,000 | $ 49,000 |
Pulaski County Arkansas | 286 | $ 58,711,000 | $ 205,000 | $ 105,000 |
Rockwall County Texas | 3 | $ 771,000 | $ 257,000 | $ 140,000 |
Rutherford County North Carolina | 2 | $ 272,000 | $ 136,000 | $ 57,000 |
Saline County Arkansas | 178 | $ 33,340,000 | $ 187,000 | $ 77,000 |
Searcy County Arkansas | 19 | $ 1,048,000 | $ 55,000 | $ 57,000 |
Sebastian County Arkansas | 44 | $ 3,909,000 | $ 88,000 | $ 47,000 |
Seminole County Florida | 1 | $ 15,000 | $ 15,000 | $ 16,000 |
Seminole County Georgia | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
Sequoyah County Oklahoma | 5 | $ 282,000 | $ 56,000 | $ 30,000 |
Sharp County Arkansas | 1 | $ 28,000 | $ 28,000 | $ 42,000 |
Spalding County Georgia | 1 | $ 30,000 | $ 30,000 | $ 0 |
St. Francis County Arkansas | 1 | $ 217,000 | $ 217,000 | $ 0 |
St. Louis City County Missouri | 1 | $ 24,000,000 | $ 24,000,000 | $ 0 |
Stephens County Oklahoma | 1 | $ 820,000 | $ 820,000 | $ 0 |
Stone County Arkansas | 2 | $ 230,000 | $ 115,000 | $ 51,000 |
Summit County Colorado | 1 | $ 400,000 | $ 400,000 | $ 216,000 |
Taney County Missouri | 1 | $ 50,000 | $ 50,000 | $ 225,000 |
Tarrant County Texas | 65 | $ 13,621,000 | $ 209,000 | $ 130,000 |
Taylor County Texas | 1 | $ 128,000 | $ 128,000 | $ 84,000 |
Thomas County Georgia | 1 | $ 133,000 | $ 133,000 | $ 148,000 |
Travis County Texas | 3 | $ 513,000 | $ 171,000 | $ 85,000 |
Van Buren County Arkansas | 11 | $ 960,000 | $ 87,000 | $ 89,000 |
Washington County Arkansas | 38 | $ 6,742,000 | $ 177,000 | $ 95,000 |
Wayne County Georgia | 1 | $ 41,000 | $ 41,000 | $ 26,000 |
White County Arkansas | 4 | $ 305,000 | $ 76,000 | $ 31,000 |
Wichita County Texas | 1 | $ 127,000 | $ 127,000 | $ 32,000 |
Williamson County Texas | 1 | $ 150,000 | $ 150,000 | $ 149,000 |
Wise County Texas | 3 | $ 349,000 | $ 116,000 | $ 103,000 |
Yell County Arkansas | 9 | $ 682,000 | $ 75,000 | $ 55,000 |
York County South Carolina | 2 | $ 605,000 | $ 302,000 | $ 0 |
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 |
---|---|---|---|---|---|---|
Home Purchase | 1,075 | $235,984,000 | $219,000 | $24,000,000 | $82,000 | $662,000 |
Refinancing | 809 | $131,022,000 | $161,000 | $2,650,000 | $92,000 | $2,492,000 |
Home Improvement | 232 | $9,087,000 | $39,000 | $450,000 | $58,000 | $519,000 |
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 | 1,763 | $256,938,000 | $145,000 | $1,113,000 | $89,000 | $2,492,000 |
Not applicable | 110 | $85,624,000 | $778,000 | $24,000,000 | $0 | $0 |
Black or African American | 83 | $9,840,000 | $118,000 | $408,000 | $71,000 | $452,000 |
Asian | 62 | $10,987,000 | $177,000 | $401,000 | $109,000 | $494,000 |
Hispanic | 56 | $6,957,000 | $124,000 | $309,000 | $69,000 | $486,000 |
Not Provided | 32 | $4,414,000 | $137,000 | $866,000 | $58,000 | $216,000 |
American Indian or Alaskan Native | 7 | $680,000 | $97,000 | $181,000 | $76,000 | $116,000 |
Native Hawaiian or Other Pacific Islander | 3 | $653,000 | $217,000 | $369,000 | $112,000 | $152,000 |
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) | 1,733 | $319,753,000 | $184,000 | $24,000,000 | $88,000 | $2,492,000 |
FHA-insured (Federal Housing Administration) | 182 | $26,639,000 | $146,000 | $276,000 | $70,000 | $281,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 117 | $14,399,000 | $123,000 | $325,000 | $42,000 | $94,000 |
VA-guaranteed (Veterans Administration) | 84 | $15,302,000 | $182,000 | $439,000 | $76,000 | $241,000 |
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 | 1,527 | $271,672,000 | $177,000 | $24,000,000 | $87,000 | $2,492,000 |
Application Denied By Financial Institution | 352 | $45,045,000 | $127,000 | $866,000 | $64,000 | $465,000 |
Application Withdrawn By Applicant | 222 | $57,400,000 | $258,000 | $21,207,000 | $88,000 | $450,000 |
Application Approved But Not Accepted | 15 | $1,976,000 | $131,000 | $400,000 | $54,000 | $125,000 |
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 | 157 | $14,919,000 | $95,000 | $600,000 | $54,000 | $294,000 |
Debt-To-Income Ratio | 93 | $14,855,000 | $159,000 | $821,000 | $61,000 | $452,000 |
Collateral | 45 | $5,909,000 | $131,000 | $545,000 | $74,000 | $326,000 |
Credit Application Incomplete | 30 | $6,225,000 | $207,000 | $866,000 | $108,000 | $465,000 |
Employment History | 10 | $1,155,000 | $115,000 | $228,000 | $48,000 | $131,000 |
Other | 7 | $1,086,000 | $155,000 | $244,000 | $54,000 | $140,000 |
Insufficient Cash (Downpayment, Closing Cost) | 6 | $512,000 | $85,000 | $98,000 | $128,000 | $144,000 |
Unverifiable Information | 4 | $384,000 | $96,000 | $127,000 | $73,000 | $125,000 |
Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The Ozarks's 2013 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.
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