CSL Financial in Arkansas vs the state
52.1%Denial rate+33.94 pts vs state
78.4%Decision denial rate+55.27 pts vs state
14.4%Origination rate-42.47 pts vs state
8.69%Median rate+2.06 pts vs state
2.75Rate spread (pts)+2.41 pts vs state
$71kMedian applicant income
27Loans originated
98Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 421 | 41 | 57.7% | 8.99% | #55 |
| 2024 | 273 | 28 | 57.1% | 8.49% | #81 |
| 2025 | 188 | 27 | 52.1% | 8.69% | #115 |
What CSL Financial lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most CSL Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| White County | 4 | 4 | 0 | 0.0% |
| Crawford County | 3 | 3 | 0 | 0.0% |
| Pope County | 3 | 3 | 0 | 0.0% |
| Conway County | 2 | 2 | 0 | 0.0% |
| Yell County | 2 | 2 | 0 | 0.0% |
| Independence County | 1 | 1 | 0 | 0.0% |
| Phillips County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
| Lonoke 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: 188 applications in 2025, of which 27 were originated and 98 denied.
52.1% of all applications, or 78.4% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans CSL Financial originated in Arkansas in 2025 was 8.69%, against a statewide median of 6.63%.
About this data. Figures are CSL Financial'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