Horatio State Bank
Horatio State Bank received 190 applications in 2025 and made 162 mortgages, in 9 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $65,000. Of 182 decisions, 16 were denials — 8.8%.
| Legal Entity Identifier | 5493006ZPOXWU5V4FT07 |
|---|---|
| Applications received | 190 |
| Mortgages made | 162 |
| Denied | 16 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Horatio State Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 80 | Not published | $85,000 | 10.0% |
| Refinancing | 66 | Not published | $65,000 | 6.8% |
| Other purposes | 16 | Not published | $20,000 | 11.1% |
Where Horatio State Bank lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sevier County, AR | 89 | Not published | 6.2% |
| Little River County, AR | 48 | Not published | 10.7% |
| Howard County, AR | 8 | Under 10 loans | 11.1% |
| Miller County, AR | 5 | Under 10 loans | 28.6% |
| Polk County, AR | 3 | Under 10 loans | 25.0% |
| McCurtain County, OK | 3 | Under 10 loans | 0.0% |
| Bowie County, TX | 3 | Under 10 loans | 0.0% |
| Pike County, AR | 2 | Under 10 loans | 0.0% |
| Le Flore County, OK | 1 | Under 10 loans | 0.0% |
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When Horatio State Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.