Farmers Bank & Trust in Arkansas vs the state
7.7%Denial rate-10.47 pts vs state
8.0%Decision denial rate-15.12 pts vs state
85.6%Origination rate+28.74 pts vs state
8.00%Median rate+1.38 pts vs state
2.49Rate spread (pts)+2.15 pts vs state
$89kMedian applicant income
255Loans originated
23Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 356 | 280 | 9.6% | 8.50% | #62 |
| 2024 | 305 | 256 | 8.2% | 8.50% | #75 |
| 2025 | 298 | 255 | 7.7% | 8.00% | #80 |
What Farmers Bank & Trust lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 77 | 70 | 4 | 5.2% |
| Hempstead County | 41 | 33 | 6 | 14.6% |
| Ouachita County | 28 | 23 | 2 | 7.1% |
| Miller County | 24 | 18 | 2 | 8.3% |
| Howard County | 23 | 19 | 3 | 13.0% |
| Nevada County | 18 | 15 | 2 | 11.1% |
| Sevier County | 13 | 11 | 1 | 7.7% |
| Hot Spring County | 10 | 8 | 0 | 0.0% |
| Garland County | 8 | 7 | 0 | 0.0% |
| Lafayette County | 7 | 7 | 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: 298 applications in 2025, of which 255 were originated and 23 denied.
7.7% of all applications, or 8.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Farmers Bank & Trust originated in Arkansas in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Farmers 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