Simmons Bank in Arkansas vs the state
22.3%Denial rate+4.13 pts vs state
26.0%Decision denial rate+2.85 pts vs state
62.9%Origination rate+6.05 pts vs state
6.44%Median rate-0.19 pts vs state
0.00Rate spread (pts)-0.34 pts vs state
$84kMedian applicant income
986Loans originated
350Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,859 | 1,201 | 15.1% | 7.38% | #10 |
| 2024 | 1,756 | 1,116 | 19.3% | 7.50% | #11 |
| 2025 | 1,568 | 986 | 22.3% | 6.44% | #19 |
What Simmons Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Simmons Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 247 | 141 | 65 | 26.3% |
| Craighead County | 159 | 118 | 21 | 13.2% |
| Benton County | 133 | 90 | 29 | 21.8% |
| White County | 115 | 89 | 9 | 7.8% |
| Washington County | 111 | 63 | 29 | 26.1% |
| Faulkner County | 103 | 74 | 15 | 14.6% |
| Saline County | 83 | 50 | 20 | 24.1% |
| Jefferson County | 77 | 47 | 24 | 31.2% |
| Garland County | 66 | 40 | 13 | 19.7% |
| Pope County | 50 | 29 | 12 | 24.0% |
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: 1,568 applications in 2025, of which 986 were originated and 350 denied.
22.3% of all applications, or 26.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Simmons Bank originated in Arkansas in 2025 was 6.44%, against a statewide median of 6.63%.
About this data. Figures are Simmons 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