Central Bank in Arkansas vs the state
2.2%Denial rate-15.97 pts vs state
2.3%Decision denial rate-20.86 pts vs state
95.6%Origination rate+38.73 pts vs state
7.70%Median rate+1.08 pts vs state
1.37Rate spread (pts)+1.03 pts vs state
$161kMedian applicant income
86Loans originated
2Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 60 | 7.1% | 8.00% | #172 |
| 2024 | 83 | 68 | 2.4% | 8.50% | #162 |
| 2025 | 90 | 86 | 2.2% | 7.70% | #161 |
What Central Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Central Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 52 | 49 | 1 | 1.9% |
| Washington County | 7 | 7 | 0 | 0.0% |
| Saline County | 6 | 6 | 0 | 0.0% |
| Benton County | 5 | 5 | 0 | 0.0% |
| Lonoke County | 4 | 4 | 0 | 0.0% |
| White County | 4 | 4 | 0 | 0.0% |
| Faulkner County | 3 | 3 | 0 | 0.0% |
| Garland County | 2 | 2 | 0 | 0.0% |
| Craighead County | 2 | 2 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
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: 90 applications in 2025, of which 86 were originated and 2 denied.
2.2% of all applications, or 2.3% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Central Bank originated in Arkansas in 2025 was 7.70%, against a statewide median of 6.63%.
About this data. Figures are Central Bank'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