Citizens' Bank & Trust in Arkansas vs the state
9.2%Denial rate-8.95 pts vs state
10.0%Decision denial rate-13.13 pts vs state
83.2%Origination rate+26.36 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
99Loans originated
11Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 114 | 5.3% | — | #119 |
| 2024 | 105 | 97 | 4.8% | — | #147 |
| 2025 | 119 | 99 | 9.2% | — | #139 |
What Citizens' Bank & Trust lends in Arkansas
By loan purpose
By loan type
Where in Arkansas
Counties with the most Citizens' Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Crawford County | 89 | 77 | 7 | 7.9% |
| Sebastian County | 24 | 16 | 4 | 16.7% |
| Washington County | 4 | 4 | 0 | 0.0% |
| Benton County | 1 | 1 | 0 | 0.0% |
| Franklin 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: 119 applications in 2025, of which 99 were originated and 11 denied.
9.2% of all applications, or 10.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens' Bank & Trust'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