Bank of England in Arkansas vs the state
7.3%Denial rate-10.94 pts vs state
9.6%Decision denial rate-13.58 pts vs state
66.8%Origination rate+9.96 pts vs state
6.50%Median rate-0.13 pts vs state
0.37Rate spread (pts)+0.03 pts vs state
$91kMedian applicant income
175Loans originated
19Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 808 | 548 | 6.7% | 6.63% | #29 |
| 2024 | 559 | 396 | 6.6% | 6.63% | #43 |
| 2025 | 262 | 175 | 7.3% | 6.50% | #92 |
What Bank of England lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Bank of England applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 104 | 72 | 3 | 2.9% |
| Faulkner County | 31 | 23 | 2 | 6.5% |
| Lonoke County | 30 | 17 | 6 | 20.0% |
| Saline County | 26 | 20 | 1 | 3.8% |
| White County | 16 | 8 | 1 | 6.3% |
| Cleburne County | 7 | 5 | 1 | 14.3% |
| Benton County | 5 | 3 | 0 | 0.0% |
| Washington County | 5 | 5 | 0 | 0.0% |
| Jefferson County | 4 | 2 | 0 | 0.0% |
| Crittenden County | 4 | 2 | 1 | 25.0% |
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: 262 applications in 2025, of which 175 were originated and 19 denied.
7.3% of all applications, or 9.6% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Bank of England originated in Arkansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Bank of England'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