Discover Bank in Arkansas vs the state
55.3%Denial rate+37.15 pts vs state
74.1%Decision denial rate+50.92 pts vs state
19.4%Origination rate-37.43 pts vs state
8.60%Median rate+1.97 pts vs state
2.11Rate spread (pts)+1.77 pts vs state
$89kMedian applicant income
109Loans originated
311Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,739 | 226 | 49.3% | 9.99% | #12 |
| 2024 | 1,794 | 307 | 52.6% | 8.86% | #10 |
| 2025 | 562 | 109 | 55.3% | 8.60% | #45 |
What Discover Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 99 | 24 | 47 | 47.5% |
| Pulaski County | 60 | 9 | 33 | 55.0% |
| Washington County | 49 | 9 | 17 | 34.7% |
| Sebastian County | 39 | 5 | 26 | 66.7% |
| Faulkner County | 31 | 9 | 16 | 51.6% |
| Garland County | 27 | 5 | 19 | 70.4% |
| Saline County | 25 | 3 | 15 | 60.0% |
| Craighead County | 18 | 4 | 10 | 55.6% |
| Lonoke County | 17 | 3 | 11 | 64.7% |
| Greene County | 13 | 3 | 8 | 61.5% |
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: 562 applications in 2025, of which 109 were originated and 311 denied.
55.3% of all applications, or 74.1% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Discover Bank originated in Arkansas in 2025 was 8.60%, against a statewide median of 6.63%.
About this data. Figures are Discover 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