Southern Bank in Arkansas vs the state
3.7%Denial rate-14.52 pts vs state
4.1%Decision denial rate-19.07 pts vs state
86.4%Origination rate+29.61 pts vs state
7.30%Median rate+0.67 pts vs state
0.20Rate spread (pts)-0.15 pts vs state
$104kMedian applicant income
306Loans originated
13Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 273 | 235 | 5.5% | 7.75% | #76 |
| 2024 | 349 | 304 | 3.7% | 8.00% | #68 |
| 2025 | 354 | 306 | 3.7% | 7.30% | #70 |
What Southern Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Southern Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Craighead County | 84 | 75 | 0 | 0.0% |
| Greene County | 57 | 52 | 1 | 1.8% |
| White County | 40 | 30 | 3 | 7.5% |
| Independence County | 24 | 18 | 3 | 12.5% |
| Poinsett County | 23 | 23 | 0 | 0.0% |
| Pulaski County | 22 | 20 | 2 | 9.1% |
| Fulton County | 16 | 13 | 0 | 0.0% |
| Lonoke County | 15 | 14 | 1 | 6.7% |
| Clay County | 10 | 8 | 0 | 0.0% |
| Jackson County | 9 | 8 | 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: 354 applications in 2025, of which 306 were originated and 13 denied.
3.7% of all applications, or 4.1% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Southern Bank originated in Arkansas in 2025 was 7.30%, against a statewide median of 6.63%.
About this data. Figures are Southern 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