First National Bank in Arkansas vs the state
3.9%Denial rate-14.31 pts vs state
3.9%Decision denial rate-19.25 pts vs state
83.6%Origination rate+26.75 pts vs state
7.75%Median rate+1.13 pts vs state
0.75Rate spread (pts)+0.41 pts vs state
$92kMedian applicant income
280Loans originated
13Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 284 | 248 | 4.2% | 8.95% | #71 |
| 2024 | 311 | 252 | 7.1% | 8.95% | #73 |
| 2025 | 335 | 280 | 3.9% | 7.75% | #76 |
What First National Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most First National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 99 | 88 | 0 | 0.0% |
| Craighead County | 96 | 78 | 1 | 1.0% |
| Clay County | 61 | 48 | 8 | 13.1% |
| Washington County | 18 | 16 | 1 | 5.6% |
| Benton County | 13 | 11 | 0 | 0.0% |
| Cleburne County | 11 | 7 | 0 | 0.0% |
| Pulaski County | 9 | 9 | 0 | 0.0% |
| Poinsett County | 4 | 2 | 0 | 0.0% |
| Randolph County | 3 | 2 | 1 | 33.3% |
| Faulkner County | 3 | 2 | 1 | 33.3% |
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: 335 applications in 2025, of which 280 were originated and 13 denied.
3.9% of all applications, or 3.9% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans First National Bank originated in Arkansas in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are First National 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