Citizens Bank in Arkansas vs the state
28.2%Denial rate+10.05 pts vs state
34.7%Decision denial rate+11.53 pts vs state
50.5%Origination rate-6.37 pts vs state
7.65%Median rate+1.03 pts vs state
0.57Rate spread (pts)+0.23 pts vs state
$100kMedian applicant income
109Loans originated
61Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 447 | 286 | 26.4% | 6.63% | #52 |
| 2024 | 139 | 70 | 32.4% | 8.53% | #127 |
| 2025 | 216 | 109 | 28.2% | 7.65% | #106 |
What Citizens Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 39 | 24 | 10 | 25.6% |
| Pulaski County | 33 | 17 | 8 | 24.2% |
| Washington County | 29 | 13 | 8 | 27.6% |
| Garland County | 11 | 7 | 2 | 18.2% |
| Saline County | 10 | 4 | 4 | 40.0% |
| Faulkner County | 10 | 7 | 2 | 20.0% |
| Sebastian County | 7 | 2 | 3 | 42.9% |
| Craighead County | 5 | 1 | 2 | 40.0% |
| Lonoke County | 4 | 3 | 1 | 25.0% |
| Clark County | 4 | 1 | 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: 216 applications in 2025, of which 109 were originated and 61 denied.
28.2% of all applications, or 34.7% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Citizens Bank originated in Arkansas in 2025 was 7.65%, against a statewide median of 6.63%.
About this data. Figures are Citizens 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