Citibank in Arkansas vs the state
27.3%Denial rate+9.08 pts vs state
52.2%Decision denial rate+29.04 pts vs state
25.0%Origination rate-31.83 pts vs state
8.55%Median rate+1.93 pts vs state
1.45Rate spread (pts)+1.11 pts vs state
$134kMedian applicant income
11Loans originated
12Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 12 | 15.9% | 6.63% | #202 |
| 2024 | 53 | 12 | 11.3% | 6.63% | #194 |
| 2025 | 44 | 11 | 27.3% | 8.55% | #214 |
What Citibank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 14 | 3 | 4 | 28.6% |
| Pulaski County | 5 | 2 | 1 | 20.0% |
| Saline County | 5 | 1 | 1 | 20.0% |
| Washington County | 4 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 0 | 2 | 100.0% |
| Miller County | 2 | 2 | 0 | 0.0% |
| Craighead County | 1 | 0 | 0 | 0.0% |
| Nevada County | 1 | 0 | 0 | 0.0% |
| Sebastian County | 1 | 0 | 0 | 0.0% |
| Phillips 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: 44 applications in 2025, of which 11 were originated and 12 denied.
27.3% of all applications, or 52.2% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Citibank originated in Arkansas in 2025 was 8.55%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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