Bank Ozk in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Georgia, Bank Ozk reported 1,433 applications and 630 originations for 2024, $95m in all.
Its denial rate in the state was 48.1%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 44.7%.
The median rate spread on its Georgia originations was -2.1 percentage points (state median 0.4).
Applications in the state were up 154% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Bank Ozk, all states | United States |
|---|---|---|---|---|
| Denial rate | 48.1% | 26.9% | 44.7% | 24.3% |
| Median rate spread, pp | -2.1 | 0.4 | -2.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.6% | 17.5% | 1.5% | 15.6% |
| Average originated loan | $151k | $313k | $216k | $329k |
| Home purchase share | 13.5% | 57.0% | 22.3% | 57.0% |
| FHA-insured share | 0.6% | 18.3% | 0.7% | 13.4% |
| VA-guaranteed share | 0.0% | 11.6% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 13% (85)Home improvement 51% (321)Refinancing 20% (128)Cash-out refinancing 1% (6)Other purpose 14% (90)
By type
Conventional 99% (626)FHA 1% (4)
Denial reasons as coded
Share of 621 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Forsyth County | 72 | 45 | $6.4m | 34.3% |
| Carroll County | 85 | 40 | $4.2m | 49.4% |
| Fulton County | 96 | 32 | $8.5m | 52.6% |
| Haralson County | 63 | 31 | $3.8m | 45.9% |
| Bibb County | 47 | 31 | $1.8m | 26.7% |
| Gwinnett County | 80 | 28 | $4.4m | 63.2% |
| Lowndes County | 58 | 26 | $2.1m | 42.6% |
| Barrow County | 62 | 25 | $2.3m | 52.7% |
| Union County | 40 | 24 | $3.0m | 29.7% |
| Cobb County | 53 | 23 | $3.3m | 48.9% |
| Cherokee County | 56 | 22 | $2.9m | 51.0% |
| Bartow County | 45 | 22 | $2.4m | 50.0% |
| Dawson County | 32 | 21 | $2.1m | 31.3% |
| DeKalb County | 43 | 18 | $3.3m | 55.0% |
| Coweta County | 41 | 18 | $4.6m | 51.3% |
| Gilmer County | 34 | 18 | $2.9m | 38.7% |
| Jackson County | 29 | 16 | $1.6m | 35.7% |
| Hall County | 35 | 14 | $3.2m | 57.6% |
| Douglas County | 26 | 13 | $1.7m | — |
| Fannin County | 33 | 11 | $2.3m | 51.9% |
| Lumpkin County | 26 | 11 | $2.2m | — |
| Gordon County | 35 | 8 | $770k | — |
| Henry County | 25 | 5 | $435k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Bank Ozk originate in Georgia in 2024?
630 loans totalling $95m, from 1,433 applications reported for properties in Georgia.
What is Bank Ozk's denial rate in Georgia?
48.1% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 44.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Georgia counties does Bank Ozk lend in most?
By originations: Forsyth County (45), Carroll County (40), Fulton County (32), Haralson County (31), Bibb County (31).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.