The Federal Savings Bank in Arkansas vs the state
10.0%Denial rate-8.19 pts vs state
22.1%Decision denial rate-1.01 pts vs state
35.2%Origination rate-21.61 pts vs state
6.25%Median rate-0.38 pts vs state
0.27Rate spread (pts)-0.07 pts vs state
$76kMedian applicant income
81Loans originated
23Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 81 | 8.2% | 6.25% | #81 |
| 2024 | 197 | 67 | 9.6% | 6.50% | #104 |
| 2025 | 230 | 81 | 10.0% | 6.25% | #100 |
What The Federal Savings Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 29 | 10 | 2 | 6.9% |
| Washington County | 18 | 7 | 2 | 11.1% |
| Benton County | 18 | 5 | 1 | 5.6% |
| Faulkner County | 16 | 6 | 3 | 18.8% |
| Saline County | 12 | 6 | 1 | 8.3% |
| Lonoke County | 10 | 5 | 0 | 0.0% |
| Craighead County | 8 | 4 | 0 | 0.0% |
| Baxter County | 8 | 4 | 0 | 0.0% |
| Garland County | 8 | 3 | 1 | 12.5% |
| White County | 8 | 2 | 2 | 25.0% |
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: 230 applications in 2025, of which 81 were originated and 23 denied.
10.0% of all applications, or 22.1% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans The Federal Savings Bank originated in Arkansas in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings 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