First National Bank of America in Arkansas vs the state
20.0%Denial rate+1.81 pts vs state
50.0%Decision denial rate+26.87 pts vs state
20.0%Origination rate-36.83 pts vs state
11.75%Median rate+5.13 pts vs state
6.12Rate spread (pts)+5.78 pts vs state
$82kMedian applicant income
1Loans originated
1Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 5 | 35.7% | 9.63% | #299 |
| 2024 | 17 | 8 | 5.9% | 9.68% | #280 |
| 2025 | 5 | 1 | 20.0% | 11.75% | #402 |
What First National Bank of America lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 1 | 1 | 0 | 0.0% |
| Pulaski County | 1 | 0 | 0 | 0.0% |
| Saline County | 1 | 0 | 0 | 0.0% |
| Benton County | 1 | 0 | 1 | 100.0% |
| Carroll County | 1 | 0 | 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: 5 applications in 2025, of which 1 were originated and 1 denied.
20.0% of all applications, or 50.0% 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 of America originated in Arkansas in 2025 was 11.75%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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