Bank OZK has 157 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Mediocre
1/5
closing strength
Product
Acceptable
2/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Bank OZK performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+32.2 bps above market avg
3/5
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
1/5
By Loan Product· Specialization by type
Conventional
139 loans · 0.35% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
11 loans · 0.39% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
122 loans · 0.32% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
35 loans · 0.32% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 139 | 88.5% | +0.348%Above | $1,913Fees | ||||
FHA Loans | — | 11 | 7.0% | +0.386%Above | $2,324Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughMediocre
Volume139
Mix88.5%
Spread
+0.348%Above
Fees
$1,913Fees
FHA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughMediocre
Volume11
Mix7.0%
Spread
+0.386%Above
Fees
$2,324Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 122 | 77.7% | +0.322%Above | $2,027Fees | ||||
Refinance | 35 | 22.3% | +0.320%Above | $1,744Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughMediocre
Volume122
Mix77.7%
Spread
+0.322%Above
Fees
$2,027Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume35
Mix22.3%
Spread
+0.320%Above
Fees
$1,744Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
157
Applications
530
Volume
$38 million
Pricing & Closing
Avg Rate Spread
+0.322%
vs. market APOR
Avg Net Fees
$1,969
Origination − Credits
Pullthrough Rate
29.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$243,471
Avg Borrower Income
$164,408
Avg Property Value
$374,682
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Midwest2
MOWI
South6
ARFLGAMSNCTX
West1
AZ
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.