Bank of America in Arkansas vs the state
35.9%Denial rate+17.73 pts vs state
47.4%Decision denial rate+24.25 pts vs state
39.2%Origination rate-17.65 pts vs state
6.25%Median rate-0.38 pts vs state
0.77Rate spread (pts)+0.43 pts vs state
$100kMedian applicant income
384Loans originated
352Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,191 | 392 | 51.3% | 6.88% | #20 |
| 2024 | 1,058 | 388 | 42.2% | 6.99% | #27 |
| 2025 | 980 | 384 | 35.9% | 6.25% | #30 |
What Bank of America lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 252 | 108 | 93 | 36.9% |
| Benton County | 235 | 108 | 64 | 27.2% |
| Washington County | 105 | 40 | 30 | 28.6% |
| Faulkner County | 52 | 20 | 18 | 34.6% |
| Saline County | 39 | 19 | 13 | 33.3% |
| Garland County | 33 | 9 | 16 | 48.5% |
| Jefferson County | 33 | 9 | 20 | 60.6% |
| Craighead County | 24 | 4 | 13 | 54.2% |
| Lonoke County | 22 | 4 | 7 | 31.8% |
| Sebastian County | 18 | 10 | 5 | 27.8% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 980 applications in 2025, of which 384 were originated and 352 denied.
35.9% of all applications, or 47.4% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Bank of America originated in Arkansas in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Bank of America's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology