NBKC Bank in Arkansas vs the state
11.1%Denial rate-7.08 pts vs state
15.5%Decision denial rate-7.60 pts vs state
60.4%Origination rate+3.59 pts vs state
6.13%Median rate-0.50 pts vs state
-0.11Rate spread (pts)-0.45 pts vs state
$133kMedian applicant income
87Loans originated
16Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 64 | 8.8% | 6.50% | #138 |
| 2024 | 143 | 95 | 2.8% | 6.25% | #126 |
| 2025 | 144 | 87 | 11.1% | 6.13% | #130 |
What NBKC Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 54 | 35 | 6 | 11.1% |
| Pulaski County | 37 | 23 | 2 | 5.4% |
| Washington County | 19 | 6 | 3 | 15.8% |
| Saline County | 10 | 7 | 1 | 10.0% |
| White County | 3 | 3 | 0 | 0.0% |
| Faulkner County | 3 | 2 | 1 | 33.3% |
| Lonoke County | 3 | 3 | 0 | 0.0% |
| Garland County | 3 | 2 | 1 | 33.3% |
| Clay County | 2 | 0 | 1 | 50.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
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: 144 applications in 2025, of which 87 were originated and 16 denied.
11.1% of all applications, or 15.5% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans NBKC Bank originated in Arkansas in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are NBKC 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