Lenders › Chambers Bank › Arkansas
Chambers Bank in Arkansas
HMDA record for properties in Arkansas, calendar year 2024. National record · Arkansas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Chambers Bank's 2024 HMDA record for Arkansas covers 432 applications, 330 of them originated, worth $72m.
Its denial rate in the state was 12.1%, below the Arkansas rate of 25.0% across all lenders and compared with the lender's national rate of 11.8%.
The median rate spread on its Arkansas originations was 0.2 percentage points (state median 0.4).
Applications in the state were up 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Arkansas | Arkansas, all lenders | Chambers Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.1% | 25.0% | 11.8% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.4% | 17.6% | 8.4% | 15.6% |
| Average originated loan | $219k | $220k | $228k | $329k |
| Home purchase share | 74.5% | 60.8% | 75.0% | 57.0% |
| FHA-insured share | 6.1% | 15.3% | 6.0% | 13.4% |
| VA-guaranteed share | 13.9% | 9.5% | 14.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateArkansas, all lenders
Loan purpose and loan type in Arkansas
By purpose
Home purchase 75% (246)Home improvement 7% (22)Refinancing 13% (44)Cash-out refinancing 3% (9)Other purpose 3% (9)
By type
Conventional 76% (252)FHA 6% (20)VA 14% (46)USDA 4% (12)
Denial reasons as coded
Share of 47 denials in Arkansas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Arkansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lonoke County | 63 | 55 | $14m | 1.8% |
| Yell County | 49 | 37 | $4.9m | 15.6% |
| Sebastian County | 43 | 34 | $6.2m | 7.9% |
| Pope County | 50 | 33 | $4.6m | 22.2% |
| Faulkner County | 38 | 28 | $9.7m | 15.2% |
| Benton County | 33 | 25 | $7.5m | 15.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Chambers Bank originate in Arkansas in 2024?
330 loans totalling $72m, from 432 applications reported for properties in Arkansas.
What is Chambers Bank's denial rate in Arkansas?
12.1% of decided applications in Arkansas were denied, against 25.0% for all lenders in the state and 11.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Arkansas counties does Chambers Bank lend in most?
By originations: Lonoke County (55), Yell County (37), Sebastian County (34), Pope County (33), Faulkner County (28).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Arkansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.