First Horizon Bank in Arkansas vs the state
17.6%Denial rate-0.60 pts vs state
20.9%Decision denial rate-2.23 pts vs state
64.6%Origination rate+7.78 pts vs state
6.50%Median rate-0.13 pts vs state
0.07Rate spread (pts)-0.27 pts vs state
$95kMedian applicant income
628Loans originated
171Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,014 | 634 | 21.9% | 6.38% | #22 |
| 2024 | 853 | 572 | 15.7% | 6.63% | #33 |
| 2025 | 972 | 628 | 17.6% | 6.50% | #31 |
What First Horizon Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most First Horizon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 325 | 215 | 55 | 16.9% |
| Benton County | 110 | 79 | 14 | 12.7% |
| Washington County | 100 | 72 | 14 | 14.0% |
| Craighead County | 87 | 56 | 12 | 13.8% |
| Randolph County | 85 | 47 | 21 | 24.7% |
| Saline County | 77 | 55 | 11 | 14.3% |
| Lawrence County | 48 | 18 | 22 | 45.8% |
| Lonoke County | 37 | 24 | 3 | 8.1% |
| Faulkner County | 18 | 12 | 2 | 11.1% |
| Poinsett County | 15 | 5 | 6 | 40.0% |
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: 972 applications in 2025, of which 628 were originated and 171 denied.
17.6% of all applications, or 20.9% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans First Horizon Bank originated in Arkansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First Horizon 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