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Greene County, Arkansas
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 1,458 mortgage applications in Greene County, Arkansas, for 2024, and originated 904 loans worth $139m.
That is 50.2 originations per 1,000 households, against 49.1 for Arkansas and 48.0 nationally.
The county's denial rate was 20.3%, below the state rate of 25.0%. The median rate spread on originated loans was 0.5 percentage points and 14.9% of originations were 1.5 points or more above the average prime offer rate.
17 lenders reached 25 applications in the county; the most active by originations were Focus Bank (72), First National Bank (72) and Mortgage Investors Group (59).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Focus Bank | 90 | 72 | $8.2m | 10.0% | — |
| 2 | First National Bank | 84 | 72 | $12m | 4.8% | — |
| 3 | Mortgage Investors Group | 64 | 59 | $11m | 1.6% | — |
| 4 | Rocket Mortgage | 70 | 53 | $8.8m | 22.1% | — |
| 5 | Das Acquisition Company, LLC | 65 | 46 | $7.4m | 5.8% | — |
| 6 | Southern Bank | 49 | 45 | $4.9m | 2.2% | — |
| 7 | Cadence Bank | 52 | 43 | $4.4m | 8.2% | — |
| 8 | Simmons Bank | 46 | 33 | $6.6m | 17.5% | — |
| 9 | Highlands Residential Mortgage, Ltd. | 35 | 32 | $5.3m | 0.0% | — |
| 10 | Arvest Bank | 46 | 31 | $4.2m | 8.6% | — |
| 11 | Unico Bank | 29 | 28 | $4.8m | 3.4% | — |
| 12 | Centennial Bank | 41 | 26 | $3.3m | 25.7% | — |
| 13 | New American Funding, LLC. | 42 | 25 | $3.7m | 26.5% | — |
| 14 | Mortgage Research Center | 39 | 25 | $5.3m | 10.7% | — |
| 15 | Fairway Independent Mort Corp | 32 | 22 | $3.0m | 15.4% | — |
| 16 | Regions Bank | 43 | 21 | $1.4m | 32.4% | — |
| 17 | Vanderbilt Mortgage and Finance, Inc | 41 | 5 | $415k | 75.0% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 17. Denial rate is denials over decided applications in this county.
Compared with Arkansas and the nation
| Measure | This county | Arkansas | United States |
|---|---|---|---|
| Denial rate | 20.3% | 25.0% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.9% | 17.6% | 15.6% |
| Average originated loan | $153k | $220k | $329k |
| Originations per 1,000 households | 50.2 | 49.1 | 48.0 |
| Home purchase share of originations | 60.1% | 60.8% | 57.0% |
| FHA-insured share | 20.8% | 15.3% | 13.4% |
| VA-guaranteed share | 8.6% | 9.5% | 7.9% |
Rate spread distribution
Share of 685 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Arkansas). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 60% (543)Home improvement 7% (59)Refinancing 14% (129)Cash-out refinancing 11% (96)Other purpose 9% (77)
By type
Conventional 63% (565)FHA 21% (188)VA 9% (78)USDA 8% (73)
Trend by year
ApplicationsOriginations
This countyArkansas
Questions and answers
Which lenders are most active in Greene County, AR?
By 2024 originations: Focus Bank (72), First National Bank (72), Mortgage Investors Group (59), Rocket Mortgage (53), Das Acquisition Company, LLC (46). 17 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Greene County?
20.3% of decided applications were denied in 2024, against 25.0% across Arkansas and 24.3% nationally.
How many mortgages were originated in Greene County in 2024?
904 loans totalling $139m, from 1,458 applications; 50.2 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 05055; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.