USAA Federal Savings Bank in Arkansas vs the state
24.7%Denial rate+6.52 pts vs state
33.3%Decision denial rate+10.20 pts vs state
48.7%Origination rate-8.12 pts vs state
6.38%Median rate-0.25 pts vs state
-0.23Rate spread (pts)-0.57 pts vs state
$115kMedian applicant income
207Loans originated
105Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 387 | 186 | 23.0% | 6.50% | #61 |
| 2024 | 454 | 223 | 20.9% | 6.50% | #51 |
| 2025 | 425 | 207 | 24.7% | 6.38% | #62 |
What USAA Federal Savings Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 70 | 33 | 19 | 27.1% |
| Benton County | 60 | 21 | 15 | 25.0% |
| Washington County | 27 | 17 | 6 | 22.2% |
| Garland County | 27 | 10 | 5 | 18.5% |
| Saline County | 25 | 16 | 4 | 16.0% |
| Lonoke County | 22 | 11 | 4 | 18.2% |
| Sebastian County | 20 | 16 | 0 | 0.0% |
| Faulkner County | 16 | 10 | 3 | 18.8% |
| Craighead County | 14 | 8 | 3 | 21.4% |
| Crawford County | 13 | 9 | 3 | 23.1% |
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: 425 applications in 2025, of which 207 were originated and 105 denied.
24.7% of all applications, or 33.3% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans USAA Federal Savings Bank originated in Arkansas in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are USAA 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