PlainLender

DIAMOND BANK

GLENWOOD, AR

DIAMOND BANK processed 254 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 213 loans with a 7.5% denial rate. Home Purchase was the primary loan purpose. Based in GLENWOOD, AR. The approval rate of 83.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. DIAMOND BANK processed 254 HMDA-reported mortgage applications in 2024, originating 213 loans and denying 19 for a denial rate of 7.5% (applicants themselves withdrew 19 files before a decision). The average loan amount was $139,685. The lender reports under LEI 254900YY36UO9MBPH808 from GLENWOOD, AR.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. DIAMOND BANK's 83.9% origination rate tells you how often an application turned into funded money; the 7.5% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (254 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

254
Applications
213
Originated
7.5%
Denial Rate
$139,685
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 254 213 19 $139,685

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for DIAMOND BANK (LEI: 254900YY36UO9MBPH808) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 137 113 $149,891
Refinancing 72 62 $176,944
Home Improvement 33 30 $52,879
Other 11 8 $37,727
Cash-out Refinancing 1 0 $45,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 208 81.3% 8.7%
Black or African American 10 90.0% 10.0%
Asian 3 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 183 84.2% 8.7%
Hispanic or Latino 36 72.2% 8.3%
Joint 2 50.0% 0.0%

Nearby Lenders in AR

Other HMDA-reporting lenders in AR with similar activity. Compare any two side-by-side.

BANK OF ENGLAND

ENGLAND, AR

5,645 apps 3,672 originated 5.4% denied

SIMMONS BANK

PINE BLUFF, AR

5,087 apps 3,161 originated 24.0% denied

Centennial Bank

Conway, AR

4,878 apps 2,631 originated 17.7% denied

BANK OZK

LITTLE ROCK, AR

4,543 apps 1,840 originated 34.5% denied

ARKANSAS FEDERAL CREDIT UNION

LITTLE ROCK, AR

4,140 apps 2,432 originated 22.0% denied
Compare DIAMOND BANK vs BANK OF ENGLAND →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did DIAMOND BANK process?
DIAMOND BANK processed 254 mortgage applications in the 2023 HMDA reporting year. Of these, 213 were originated (approved and funded), 19 were withdrawn by the applicant, and 19 were denied.
What is DIAMOND BANK's mortgage approval rate?
DIAMOND BANK has an approval (origination) rate of 83.9%, meaning 83.9% of all applications resulted in a funded mortgage. The denial rate is 7.5%.
What is the average loan amount at DIAMOND BANK?
The average mortgage loan amount at DIAMOND BANK is $139,685.
What types of mortgage loans does DIAMOND BANK offer?
DIAMOND BANK processes Conventional loans. The most common type is Conventional with 254 applications and an average loan amount of $139,685.
What loan purposes does DIAMOND BANK serve?
DIAMOND BANK serves the following loan purposes: Home Purchase (137 applications), Refinancing (72 applications), Home Improvement (33 applications), Other (11 applications), Cash-out Refinancing (1 applications). Home Purchase is the most common purpose.
Where is DIAMOND BANK located?
DIAMOND BANK is headquartered in GLENWOOD, AR. The lender is identified by LEI 254900YY36UO9MBPH808 in HMDA data.
How does DIAMOND BANK compare in lending across racial demographics?
DIAMOND BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 81.3% and denial rate of 8.7%; Black or African American applicants have an approval rate of 90.0% and denial rate of 10.0%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.