The Central Trust Bank in Arkansas vs the state
4.3%Denial rate-13.87 pts vs state
7.0%Decision denial rate-16.11 pts vs state
56.2%Origination rate-0.61 pts vs state
6.50%Median rate-0.13 pts vs state
0.32Rate spread (pts)-0.02 pts vs state
$118kMedian applicant income
104Loans originated
8Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 217 | 139 | 2.8% | 6.99% | #93 |
| 2024 | 209 | 121 | 4.3% | 6.75% | #97 |
| 2025 | 185 | 104 | 4.3% | 6.50% | #118 |
What The Central Trust Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 123 | 69 | 3 | 2.4% |
| Washington County | 35 | 17 | 3 | 8.6% |
| Boone County | 11 | 7 | 1 | 9.1% |
| Marion County | 3 | 3 | 0 | 0.0% |
| Baxter County | 2 | 1 | 0 | 0.0% |
| Crawford County | 2 | 2 | 0 | 0.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
| Sebastian County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Garland County | 1 | 1 | 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: 185 applications in 2025, of which 104 were originated and 8 denied.
4.3% of all applications, or 7.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans The Central Trust Bank originated in Arkansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust 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