Chambers Bank mortgage approval rate & lending review
Chambers Bank decided 483 mortgage applications and funded 428 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Chambers Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Chambers Bank at a glance
Approval is 7.3 points above the 84.4% 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 | 94% | 241 / 257 | 98% | $285K | 235 |
| Refinance | 80% | 24 / 30 | 100% | $265K | 24 |
| Investment property purchase | 91% | 117 / 128 | 94% | $205K | 110 |
| Investment refinance | 91% | 29 / 32 | 93% | $195K | 27 |
Chambers Bank lending by state
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 Chambers Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Faulkner County, AR | Mortgage lenders | 92% | 49 | 43 |
| Sebastian County, AR | Mortgage lenders | 88% | 42 | 37 |
| Washington County, AR | Mortgage lenders | 100% | 35 | 34 |
| Benton County, AR | Investment property purchase | 89% | 36 | 30 |
| Washington County, AR | Investment property purchase | 97% | 30 | 28 |
| Sebastian County, AR | Investment property purchase | 100% | 21 | 20 |
| Garland County, AR | Investment property purchase | 83% | 24 | 18 |
The county markets where Chambers Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Chambers Bank
What is Chambers Bank's mortgage approval rate?
Chambers Bank approved 91.7% of the 483 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.3 points above the 84.4% national rate for the same mix of loan types.
How often do borrowers take the loan Chambers Bank offers?
Borrowers accepted 97% of the loans Chambers Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Chambers Bank make?
The typical home purchase mortgage loan Chambers Bank made was $285K; across all loan types its typical loan ran from $195K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Chambers Bank lend?
Chambers Bank decided applications in 12 of the states Fat Boy Data covers, most of them in Arkansas, Texas and Florida.
Can I apply to Chambers Bank directly?
Yes. Chambers Bank is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Chambers 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 Chambers Bank treats applications, then get a rate quote from the lender.