First Federal Bank in Arkansas vs the state
11.7%Denial rate-6.50 pts vs state
18.0%Decision denial rate-5.13 pts vs state
50.7%Origination rate-6.18 pts vs state
6.13%Median rate-0.50 pts vs state
-0.28Rate spread (pts)-0.62 pts vs state
$148kMedian applicant income
39Loans originated
9Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 30 | 4.3% | 6.56% | #197 |
| 2024 | 67 | 41 | 9.0% | 6.00% | #175 |
| 2025 | 77 | 39 | 11.7% | 6.13% | #175 |
What First Federal Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 35 | 17 | 4 | 11.4% |
| Washington County | 10 | 5 | 0 | 0.0% |
| Pulaski County | 9 | 6 | 0 | 0.0% |
| Saline County | 4 | 1 | 1 | 25.0% |
| Garland County | 2 | 0 | 1 | 50.0% |
| Cleburne County | 2 | 1 | 1 | 50.0% |
| Hot Spring County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Lonoke County | 2 | 1 | 1 | 50.0% |
| Pope 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: 77 applications in 2025, of which 39 were originated and 9 denied.
11.7% of all applications, or 18.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans First Federal Bank originated in Arkansas in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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