Finance Atlas

Banking & Mortgage-Lending Access in Arkansas

396 FDIC-insured institutions (78 currently active) are recorded in Arkansas in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 26.6% in Arkansas.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

396
FDIC institutions (total)
78
Currently active
26.6%
Overall denial rate (HMDA 2024)
59,041
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Arkansas?

FDIC BankFind records 396 FDIC-insured institutions (all historical) in Arkansas, of which 78 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 396
Currently active 78

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Arkansas?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Arkansas:

Charter class Description Count
NM State non-member bank (Fed non-member) 131
SM State member bank (Fed member) 102
N National bank (OCC-chartered) 76
SL Savings institution (state-chartered S&L) 71
SB Savings bank (state-chartered) 16

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Arkansas? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 26.6% in Arkansas. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 26.6%
White applicants 24.6%
Black applicants 46.8%
Black/White denial rate ratio 1.90x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=AR

Mortgage origination volume in Arkansas (2024)

HMDA 2024 data record 59,041 originated mortgage loans in Arkansas , totaling $13.0B , with an average loan size of $219,634.

Metric Value
Originated loans (2024) 59,041
Total origination volume $13.0B
Average loan size $219,634

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=AR

Data exported June 20, 2026 · content hash ccaa754addf1b1a5 · machine-readable brief: /finance/states/ar/context.md

Where to act