Home Loan Servicing and Payment
Bank OZK is pleased to begin servicing your home loan. We are committed to providing you with excellent service and making this transition as seamless as possible. For specific information about your loan, transition dates and billing dates, refer to the letter Bank OZK mailed to the address that was on file for you. Below, we have provided some shortcuts to our loan payment portals, contact information for our servicing team and answers to a few frequently asked questions about this process.
Register or Log In Now
When you register your loan account, you can set up recurring payments and make payments up to $50,000 on your home loan with no convenience fee. Already registered? Log in now!
One-Time Loan Payments
You can also pay as a guest without registering your account. For all guest loan payments, we charge a $3.95 convenience fee and cap payments at $1,500.
Current Bank OZK Clients
If you have a deposit account with Bank OZK, you can easily set up payments through the “Transfer” or “Bill Payment” sections with our Online Banking platform. Simply log in to get started.
Contact Us
We understand that a mortgage servicing transfer may bring questions, and we are here to help. If you have concerns or need assistance, please contact our Customer Care Center at 1-800-274-4482.
Please note, Bank OZK will not have access to any part of your loan information until the servicing start date. Please refer to your letter for that date.
Frequently Asked Questions
Mortgage servicing transfers occur when the right to service a loan is sold or transferred from one institution to another. The terms of your loan do not change; however, Bank OZK will now collect your payments, manage your escrow account and provide customer service. The sale and transfer of mortgages is a common practice and is in no way a reflection of you or the quality of your loan.
The only information that will change is your account number and payment address after Bank OZK officially becomes your servicer. Your new account number will take effect on the Bank OZK servicing start date and can be found in your letter from Bank OZK. Once Bank OZK begins servicing your loan, you can send all payments to Bank OZK at this address:
P.O. Box 196
Ozark, AR 72949
Bank OZK accepts payments by mail, over the phone, and online.
By Mail: Mail your payments to P.O. Box 196, Ozark, AR 72949.
By Phone: Call the Customer Call Center at 1.800.274.4482, which is available Monday through Friday from 7:00 a.m. to 7:00 p.m. (CT) and Saturday from 7:00 a.m. to 4:00 p.m. (CT).
Important notes regarding phone payments:
- Please have your routing and account numbers or debit card information available for payment.
- The fee for paying by telephone with a check or debit card is $3.95.
- The maximum over the phone payment amount via debit card is $1,500, with a $3.95 fee.
- Any payments made after 5:00 p.m. (CT) will be effective the next business day.
Online: Please use one of the payment portal buttons at the top of this page.
Bank OZK accepts partial payments, and they will be applied to the mortgage loan when paid. If the loan is subsequently sold, the new lender may have a different policy.
Bank OZK can collect those late payments after the Bank OZK servicing start date listed in the letter mailed to you.
If you currently have an escrow account for your tax and/or insurance payments, it will be transferred to Bank OZK and continue to be collected and paid.
You will receive your first billing statement within 10 days of Bank OZK beginning account service. If you have already submitted a payment to your previous loan servicer, don’t worry — it will be forwarded to Bank OZK for up to 60 days after Bank OZK begins to service your account.
Please note: Under federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you.
If you are experiencing financial difficulties, please contact a housing counselor at the U.S. Department of Housing and Urban Development (HUD) for more information and assistance.
For a list of homeownership counselors or counseling organizations in your area, go to https://hud4.my.site.com/housingcounseling or call 800-569-4287.
You have certain rights under Federal law related to resolving errors and requesting information about your loan account. Please reference our guide to help navigate your credit dispute: How to Navigate Credit Disputes.