Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,506
median across reports
vs. National Average
34%
above national avg
Avg Origination Charge
$2,252
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $2,252 | $1,553 | 🔴 Above Avg |
| discount_points | $1,474 | $2,425 | 🟢 Below Avg |
| lender_credits | $370 | $443 | 🟢 Below Avg |
Got a Loan Estimate from Bank OZK? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 456 homebuyer-submitted Closing Disclosures, Bank OZK's median total closing costs are $4,506. This is about 34% above the $3,356 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Compare Bank OZK with another lender
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Aggregates from Bank OZK's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
327
Median Total Costs
$4,650
−30.4% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
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 |
| This lender | Arkansas median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,698 | $5,115 | $6,680 |
| Interest Rate | 6.500% | 6.490% | 6.490% |
| Originations in state | 167 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
Popular Refinance Pages
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.938% |
| $6,470 |
| — |
| Tennessee | 2 | 6.308% | $4,148 | — |
| Oklahoma | 1 | 6.125% | $9,735 | — |