Purchase Originations
327
Median Total Costs
$4,650
−30.4% vs national ($6,680)
↑ $322 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,597
Median Lender Credits
$245
Denial Rate
21.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 250 | 6.750% | $4,170 | $1,595 |
| fha | 55 | 6.125% | $9,177 | $1,628 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arkansas | 167 | 6.500% | $3,698 | #45 |
| Texas | 63 | 7.000% | $5,467 | #320 |
| Georgia | 45 | 6.490% | $5,037 | — |
| Florida | 30 | 6.562% | $6,841 | — |
| North Carolina | 15 | 6.490% | $4,902 | — |
| Louisiana | 2 | 6.375% | $5,246 | — |
| South Carolina | 2 | 6.938% | $6,470 | — |
| Tennessee | 2 | 6.308% | $4,148 | — |
| Oklahoma | 1 | 6.125% | $9,735 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,300 | 6.500% | — | 9 | −$1,350 | |
| 2 | $3,384 | 6.433% | — | 4 | −$1,266 | |
| 3 | $3,398 | 6.375% | — | 13 | −$1,252 | |
| 4 | $3,545 | 6.750% | — | 12 | −$1,105 | |
| 5 | $3,558 | 6.375% | — | 5 | −$1,092 | |
| 6 | $3,632 | 6.250% | — | 6 | −$1,018 | |
| 7 | $3,651 | 6.375% | — | 9 | −$999 | |
| 8 | $3,677 | 6.375% | — | 11 | −$973 | |
| 9 | $3,727 | 7.000% | — | 4 | −$923 | |
| 10 | $3,911 | 6.624% | — | 60 | −$739 | |
| 11 | $4,359 | 6.625% | — | 3 | −$291 | |
| 12 | $4,650 | 6.750% | — | 3 | +$0 | |
| 13 | $4,770 | 6.125% | — | 5 | +$120 | |
| 14 | $5,142 | 7.062% | — | 8 | +$492 | |
| 15 | $5,480 | 7.125% | — | 30 | +$830 | |
| 16 | $5,609 | 6.875% | — | 6 | +$959 | |
| 17 | $6,356 | 6.312% | — | 8 | +$1,706 | |
| 18 | $6,782 | 6.308% | — | 8 | +$2,132 | |
| 19 | $7,274 | 6.557% | — | 4 | +$2,624 | |
| 20 | $12,123 | 6.500% | — | 3 | +$7,473 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bank OZK | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $4,650 | $7,127 | −$2,477 (−34.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.