Armstrong Bank mortgage approval rate & lending review
Armstrong Bank decided 1,147 mortgage applications and funded 975 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Armstrong Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Armstrong Bank at a glance
Approval is 16.5 points above the 78.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 179 / 185 | 84% | $295K | 150 |
| Home improvement loans | 83% | 213 / 258 | 90% | $95K | 192 |
| Refinance | 93% | 71 / 76 | 90% | $155K | 64 |
| Investment property purchase | 100% | 449 / 450 | 94% | $155K | 422 |
| Investment refinance | 100% | 113 / 113 | 81% | $165K | 92 |
| Investment home improvement | 97% | 61 / 63 | 89% | $75K | 54 |
Armstrong Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 93% | $145K | 652 | 538 |
| Arkansas | 97% | $215K | 467 | 414 |
| Texas | 95% | $405K | 22 | 17 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Armstrong Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sebastian County, AR | Investment property purchase | 100% | 88 | 84 |
| Tulsa County, OK | Home improvement loans | 87% | 104 | 83 |
| Oklahoma County, OK | Investment property purchase | 99% | 84 | 76 |
| Cleveland County, OK | Investment property purchase | 100% | 75 | 70 |
| Tulsa County, OK | Investment property purchase | 100% | 69 | 63 |
| Washington County, AR | Investment property purchase | 100% | 62 | 60 |
| Cleveland County, OK | Home improvement loans | 80% | 70 | 53 |
| Benton County, AR | Investment property purchase | 100% | 40 | 40 |
| Sebastian County, AR | Mortgage lenders | 95% | 42 | 33 |
| Washington County, AR | Mortgage lenders | 94% | 33 | 26 |
| Cleveland County, OK | Refinance | 96% | 25 | 22 |
| Oklahoma County, OK | Investment refinance | 100% | 36 | 21 |
The county markets where Armstrong Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Armstrong Bank
What is Armstrong Bank's mortgage approval rate?
Armstrong Bank approved 94.8% of the 1,147 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.5 points above the 78.2% national rate for the same mix of loan types.
How often do borrowers take the loan Armstrong Bank offers?
Borrowers accepted 90% of the loans Armstrong Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Armstrong Bank make?
The typical investment property mortgage loan Armstrong Bank made was $155K; across all loan types its typical loan ran from $75K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Armstrong Bank lend?
Armstrong Bank decided applications in 7 of the states Fat Boy Data covers, most of them in Oklahoma, Arkansas and Texas.
Can I apply to Armstrong Bank directly?
Yes. Armstrong Bank is a bank or credit union with 29 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Armstrong Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Armstrong Bank treats applications, then get a rate quote from the lender.