First Arkansas Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
83rd1.0% deniedPricingmedian rate spread over APOR, weight 30%
28th1.40 ptsProcesswithdrawn + incomplete share, weight 15%
72nd1.9%Closing coststotal loan costs ÷ loan amount, weight 10%
58th2.87% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 100 | 95 | 2.0% | 2.1% | 8.25% | $26M |
| 2024 | 88 | 81 | 4.6% | 4.7% | 8.95% | $20M |
| 2025 | 105 | 102 | 1.0% | 1.0% | 7.79% | $42M |
What First Arkansas Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 93 investment properties.
Why First Arkansas Bank and Trust denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where First Arkansas Bank and Trust lends
2 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Arkansas | 93 | 91 | 0.0% | 7.75% | #155 |
Frequently asked questions
First Arkansas Bank and Trust denied 1.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 83rd percentile of investment-property lenders.
The most common reason First Arkansas Bank and Trust gave in 2025 was "credit history", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans First Arkansas Bank and Trust originated in 2025 was 7.79%, and its median rate spread over the average prime offer rate was 1.40 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 82% of its applications were for home purchases, 14% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.