The Citizens Bank in Arkansas vs the state
12.6%Denial rate-5.62 pts vs state
13.4%Decision denial rate-9.76 pts vs state
80.3%Origination rate+23.50 pts vs state
8.00%Median rate+1.38 pts vs state
2.24Rate spread (pts)+1.90 pts vs state
$88kMedian applicant income
147Loans originated
23Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 130 | 19.2% | 8.50% | #103 |
| 2024 | 182 | 136 | 14.3% | 9.00% | #107 |
| 2025 | 183 | 147 | 12.6% | 8.00% | #120 |
What The Citizens Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most The Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Independence County | 71 | 51 | 11 | 15.5% |
| Pulaski County | 32 | 30 | 1 | 3.1% |
| Garland County | 15 | 14 | 1 | 6.7% |
| Benton County | 10 | 7 | 2 | 20.0% |
| Cleburne County | 9 | 3 | 5 | 55.6% |
| Stone County | 5 | 5 | 0 | 0.0% |
| Washington County | 5 | 5 | 0 | 0.0% |
| Clark County | 4 | 4 | 0 | 0.0% |
| Sharp County | 4 | 3 | 0 | 0.0% |
| Hot Spring County | 3 | 3 | 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: 183 applications in 2025, of which 147 were originated and 23 denied.
12.6% of all applications, or 13.4% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans The Citizens Bank originated in Arkansas in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are The Citizens 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