Digital in Arkansas vs the state
20.0%Denial rate+1.81 pts vs state
40.9%Decision denial rate+17.78 pts vs state
26.7%Origination rate-30.16 pts vs state
5.94%Median rate-0.69 pts vs state
0.04Rate spread (pts)-0.30 pts vs state
$165kMedian applicant income
12Loans originated
9Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 233 | 91 | 6.4% | 5.38% | #86 |
| 2024 | 83 | 19 | 8.4% | 6.38% | #163 |
| 2025 | 45 | 12 | 20.0% | 5.94% | #213 |
What Digital lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 37 | 11 | 4 | 10.8% |
| Cross County | 3 | 0 | 3 | 100.0% |
| Pulaski County | 2 | 0 | 1 | 50.0% |
| Faulkner County | 1 | 1 | 0 | 0.0% |
| Baxter County | 1 | 0 | 0 | 0.0% |
| Sebastian County | 1 | 0 | 1 | 100.0% |
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: 45 applications in 2025, of which 12 were originated and 9 denied.
20.0% of all applications, or 40.9% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Digital originated in Arkansas in 2025 was 5.94%, against a statewide median of 6.63%.
About this data. Figures are Digital'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