How We Analyzed Bank OZK’s Real Estate Lending

Thousands of people read our recent article about how Bank OZK shares rose on its commercial real estate lending, and then nosedived on CRE write-offs.

For those of us who have been tracking the lending activity of OZK, formerly known as Bank of the Ozarks, the fact that the Arkansas-based lender has been leading the way in aggressive construction lending is hardly a surprise.

Last year, CrediFi conducted an analysis of $7.5 billion in commercial real estate loans originated by Bank OZK between 2012 and 2016.

We want to share with you the insider’s tale of how we figure out what financial institutions are up to, with this behind-the-scenes glimpse of our data analysis of OZK’s CRE lending:

Construction Financing

What we found: The share of OZK’s CRE origination that was going to construction financing increased from 8% in 2013 to 29% in 2016.

How to find construction loans: To isolate financing designated for a specific purpose, such as construction or acquisition, we conduct a loan prospecting search and then filter by loan purpose. If we want to get a further breakdown, we can also filter further by loan structure (balance sheet, CMBS, Freddie, Fannie) and lender segment (bank, GSE, insurance company).

Find out more about our construction loans. Demo the Data

Loan Amount

What we found: The size of OZK’s loan balance rose in that period, with CRE loans above $10 million constituting 38% of loans in the sample in 2012 – and 53% in 2016.

How to find loans originated by a specific lender:

Search by bank name and view their loans to see details about each loan including loan amount, origination date, address, city and state, property type and borrower.

Find out more about our lender profiles. Demo the Data.

Corporate Structure

What we found: OZK’s geographic reach had expanded significantly to states like New York and Florida, partly through strategic mergers and acquisitions.

How to find a lender’s corporate structure: Search for the lender’s name and view affiliates. Click on the names of the other entities in the corporate structure to find out more about them.

This breakdown of what lenders are up to helps us get a nice close look at specific institutions like Bank OZK and figure out what’s behind the buzz.

Find out more about our corporate structure rollups. Demo the Data.

 

Related stories:

What Bank of the Ozarks Is Getting Right

This European Lender Is Beating Out U.S. Banks on CRE Financing in New York City. And No, It’s Not German

The Boston Bank That’s Bumping Up Its CRE Lending

Close Menu

book your personalized
cre data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.

















Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.

















increase your lending
opportunities.
speak with a credifx
representative today.





increase your lending
opportunities.
speak with a credifx
representative today.





request a credifi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.





request a credifi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





increase your lending
opportunities.
speak with a credifx
representative today.





increase your lending
opportunities.
speak with a credifx
representative today.





decure the financing
you need.





secure the financing
you need.





how would you like
your cre data
delivered





request a credifi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





request a credifi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





request a credifi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.





How would you like
your cre data
delivered





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.

















Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.

















book your personalized
cre data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.

















We track over
10,000 CRE lenders.
What data would
you like to demo?

















book your personalized
cre data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.

















Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.

















Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.

















Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.

















Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.

















Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.

















Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.

















Discover new opportunities.
Speak with a CredifX representative today.





Increase your lending opportunities.
Speak with a CredifX representative today.





Demo our up-to-date
ownership & contact
information.





We track finance data
on all U.S. markets.
Which market's CRE data
would you like to demo?





We track over
10,000 CRE lenders.
What data would
you like to demo?





Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.





Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.





Find the lenders who
give you the best terms –
not just the ones you
already know.

Gain access to CRE finance data on 6M properties & 4M loans.





Secure the financing
you need.





Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





View Madison Realty
Capital's lending profile,
documenting recent loan,
owner and property information.





How would you like
your CRE data
delivered?





Demo our up-to-date
lender, owner & contact
information.





Demo our up-to-date loan,
ownership & contact
information.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





Request a CrediFi
demo today.

Gain access to CRE finance data on 6M properties & 4M loans.





Book your personalized
CRE data consult today.

Gain access to CRE finance data on 6M properties & 4M loans.





Alex Veksler

Head of Content

Alex Veksler has 16 years of finance, data analysis and project management experience. He is a former vice president at Morgan Stanley, where he worked on product control of equity and fixed-income derivatives products as well as various projects involving finance and technology, such as revamping risk attribution and balance-sheet systems for profits and losses. Alex has previously worked at hedge funds, most recently as a director at Exigent Capital. He has a bachelor’s in computer science from Yeshiva University and an MBA from New York University.

Ely Razin

CEO

Ely Razin founded CrediFi in 2014 with Battery Ventures. A rare combination of seasoned corporate executive and technology entrepreneur, Ely previously served as global head of board governance for Thomson Reuters Accelus and head of business law for Thomson Reuters, after the software company he founded was acquired in 2004. The company, Expert Ease Software, developed AI-based software that automatically summarizes key deal terms for transactions in fields including capital markets, M&A and real estate. Ely began his career as a corporate and securities lawyer, and holds an LLB and MBA from York University.

Frank Muhlon

Head of Transactions

Frank Muhlon oversees CredifX, the commercial real estate financing marketplace that mines the CrediFi database at its core. Prior to joining CrediFi, Frank served as vice president of Northeast region business operations for online CRE property trading platform Ten-X, which has closed over $40 billion in transactions since its inception. He has also held key positions at Orix USA/Houlihan Lokey, Silverstein Properties and Trammell Crow Company. Frank received his master’s degree in real estate finance from New York University and his bachelor’s in finance from Rutgers University.

Charles Mctiernan

Head of Sales

Charles Mctiernan comes to CrediFi from Ned Davis Research Group and Roubini Global Economics, where he was the global head of sales. He also spent more than 10 years at Reuters America Holdings, where he held a number of senior sales leadership roles, including head of solutions sales and head of global accounts. Charles, who received his bachelor’s in economics from East Carolina University, has more than 25 years of experience in technology, data and research sales.

Amichai Levy

VP R&D

Amichai Levy is the former VP of R&D at Israeli high-tech firm Payoneer, where he developed its signature cross-border payment platform and integrated it with existing bank technology. In his prior role at Ness Technologies, Amichai was a key player in developing an electronic case filing system for Israel’s courts. He has over 20 years of experience in software engineering.

David Fajgman

Head of Finance

David Fajgman brings over 14 years of financial and managerial experience to CrediFi. Prior to joining the CrediFi team, he served as finance director of Bioness Neuromodulation Ltd., which develops and manufactures medical devices involved in neurological rehabilitation. He has previously worked in multiple finance roles at Thomson Reuters and as an accounting and consulting manager at Ernst & Young, where he was responsible for a wide range of clients, including companies listed on the Nasdaq and privately held high-tech companies. David is an Israel-licensed certified public accountant and has a bachelor’s degree in business and accounting.

Liat Bar David

Head of Human Resources

Liat Bar David has over nine years of human resources experience, primarily focused on the high-tech industry. She is a former HR business partner at semiconductor solutions provider Broadcom, where she was responsible for onboarding processes, benefits, policies, training and development, performance management and employee retention. Liat holds a bachelor’s in communication and human services and a master’s in human resources and services, both from the University of Haifa.