# Chambers Bank

> **Canonical URL:** https://saferate.com/lenders/chambers-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Chambers Bank is a bank, headquartered in Danville, AR, serving borrowers across 9 states, with 208 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 44% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930039OWZFM2IGRN69
- **Headquarters:** Danville, AR
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AR, FL, MO, NE, OK, TN, TX, UT, WV
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.011%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,289
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 208
- **Dollar Volume:** $51 million
- **Applications Received:** 277
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $247,452
- **Average Borrower Income:** $141,750
- **Average Property Value:** $318,365

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 124 | +0.111% | $2,455 | Sound ☺️ |
| FHA | 55/100 | 21 | +0.294% | $1,677 | Sound ☺️ |
| VA | 69/100 | 50 | -0.414% | $2,277 | Strong 😀 |
| USDA | 70/100 | 12 | +0.120% | $2,090 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 99 loans, Score: 41/100 (Sound)
- Refinance: 25 loans, Score: 39/100 (Acceptable)

**VA:**
- Purchase: 50 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 179 | $45M | -0.004% | Sound ☺️ |
| Refinance | 39/100 | 29 | $6M | +0.142% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 196 | 0.61% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Little Rock | AR | 95 | 81/100 |
| Non |  | 64 | 51/100 |
| Fayetteville | AR | 17 | 51/100 |
| Fort Smith, AR | AR-OK | 17 | 52/100 |

## Where This Lender Ranks

Chambers Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Little Rock for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#6** in Little Rock for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Little Rock for USDA Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/usda-loans)
- 🏆 **#8** in Little Rock Banks
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks)
- 🏆 **#8** in Fort Smith, AR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#10** in Arkansas for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#10** in Fort Smith, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Little Rock for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#13** in Little Rock for VA Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/va-loans)
- 🏆 **#14** in Little Rock
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders)
- 🏆 **#16** in Arkansas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/va-loans)
- 🏆 **#16** in Little Rock for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Arkansas Banks
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks)
- 🏆 **#19** in Arkansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Chambers Bank offer?

Chambers Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Chambers Bank offer mortgages?

Chambers Bank offers mortgages in 9 states: AR, FL, MO, NE, OK, TN, TX, UT, WV.

### How competitive are Chambers Bank's mortgage rates?

Chambers Bank has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.011% above market average.

### What type of lender is Chambers Bank?

Chambers Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Danville, AR.

### What is Chambers Bank's loan approval success rate?

Chambers Bank has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/chambers-bank

### How to Cite

> "Chambers Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/chambers-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/chambers-bank)**