Southern Bancorp Bank in Arkansas vs the state
8.3%Denial rate-9.87 pts vs state
9.8%Decision denial rate-13.34 pts vs state
70.3%Origination rate+13.51 pts vs state
7.50%Median rate+0.88 pts vs state
0.72Rate spread (pts)+0.38 pts vs state
$83kMedian applicant income
524Loans originated
62Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 536 | 447 | 7.7% | 8.50% | #44 |
| 2024 | 722 | 528 | 9.3% | 8.50% | #39 |
| 2025 | 745 | 524 | 8.3% | 7.50% | #36 |
What Southern Bancorp Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Southern Bancorp Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Garland County | 100 | 76 | 5 | 5.0% |
| Clark County | 83 | 73 | 4 | 4.8% |
| Hot Spring County | 68 | 47 | 6 | 8.8% |
| Arkansas County | 66 | 37 | 9 | 13.6% |
| Montgomery County | 43 | 36 | 2 | 4.7% |
| Phillips County | 41 | 24 | 3 | 7.3% |
| Union County | 40 | 35 | 1 | 2.5% |
| Pulaski County | 38 | 23 | 3 | 7.9% |
| Pike County | 38 | 29 | 2 | 5.3% |
| Mississippi County | 37 | 22 | 3 | 8.1% |
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: 745 applications in 2025, of which 524 were originated and 62 denied.
8.3% of all applications, or 9.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Southern Bancorp Bank originated in Arkansas in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Southern Bancorp 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