Bank OZK
2,626 mortgages originated in 2025 across 5 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,626
- Median rate
- 5.990%
- Median lender fees
- $4,506
- Median loan amount
- $125,000
- Median spread over APOR
- -1.300
- Paid discount points
- 7.2%
- Received lender credits
- 7.5%
- Purchases / refinances
- 36.1% / 23.2%
- Conventional / FHA / VA
- 96.4% / 2.5% / 0.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 17.4% of loans here — see methodology.
Where Bank OZK lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Arkansas | 1,001 | $3,656 | 6.500% |
| Georgia | 707 | $4,996 | 5.990% |
| Florida | 429 | — | 5.990% |
| North Carolina | 284 | — | 5.990% |
| Texas | 160 | $5,450 | 6.500% |