U.S. Bank in Arkansas vs the state
39.5%Denial rate+21.35 pts vs state
48.0%Decision denial rate+24.84 pts vs state
41.3%Origination rate-15.58 pts vs state
7.13%Median rate+0.50 pts vs state
0.74Rate spread (pts)+0.40 pts vs state
$83kMedian applicant income
556Loans originated
533Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,476 | 565 | 46.3% | 7.63% | #16 |
| 2024 | 1,337 | 543 | 44.2% | 7.63% | #20 |
| 2025 | 1,348 | 556 | 39.5% | 7.13% | #22 |
What U.S. Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 302 | 106 | 142 | 47.0% |
| Benton County | 128 | 61 | 24 | 18.8% |
| Garland County | 112 | 43 | 51 | 45.5% |
| Saline County | 92 | 55 | 25 | 27.2% |
| Faulkner County | 79 | 43 | 19 | 24.1% |
| Baxter County | 55 | 23 | 17 | 30.9% |
| Jefferson County | 52 | 24 | 20 | 38.5% |
| Sebastian County | 49 | 16 | 24 | 49.0% |
| Washington County | 44 | 22 | 14 | 31.8% |
| Lonoke County | 39 | 16 | 17 | 43.6% |
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: 1,348 applications in 2025, of which 556 were originated and 533 denied.
39.5% of all applications, or 48.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans U.S. Bank originated in Arkansas in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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