OCMBC in Arkansas vs the state
8.2%Denial rate-9.99 pts vs state
11.6%Decision denial rate-11.50 pts vs state
54.1%Origination rate-2.73 pts vs state
7.00%Median rate+0.37 pts vs state
1.23Rate spread (pts)+0.89 pts vs state
$87kMedian applicant income
33Loans originated
5Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 10 | 21.1% | 7.56% | #273 |
| 2024 | 40 | 20 | 22.5% | 7.56% | #217 |
| 2025 | 61 | 33 | 8.2% | 7.00% | #192 |
What OCMBC lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 19 | 9 | 1 | 5.3% |
| Pulaski County | 11 | 8 | 1 | 9.1% |
| Washington County | 8 | 3 | 1 | 12.5% |
| Saline County | 3 | 2 | 0 | 0.0% |
| Faulkner County | 3 | 1 | 0 | 0.0% |
| Garland County | 3 | 1 | 1 | 33.3% |
| Crittenden County | 2 | 2 | 0 | 0.0% |
| Yell County | 2 | 0 | 0 | 0.0% |
| Bradley County | 2 | 2 | 0 | 0.0% |
| Sebastian County | 2 | 2 | 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: 61 applications in 2025, of which 33 were originated and 5 denied.
8.2% of all applications, or 11.6% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans OCMBC originated in Arkansas in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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