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Union 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.
Union County, Arkansas, saw 1,115 HMDA-reported applications and 412 originations ($60m) in 2024.
That is 27.5 originations per 1,000 households, against 49.1 for Arkansas and 48.0 nationally.
The county's denial rate was 43.1%, above the state rate of 25.0%. The median rate spread on originated loans was 0.8 percentage points and 27.0% of originations were 1.5 points or more above the average prime offer rate.
11 lenders reached 25 applications in the county; the most active by originations were Highlands Residential Mortgage, Ltd. (53), First Financial Bank (45) and Simmons Bank (35).
Originations were down 5% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Highlands Residential Mortgage, Ltd. | 60 | 53 | $12m | 0.0% | — |
| 2 | First Financial Bank | 47 | 45 | $6.3m | 2.2% | — |
| 3 | Simmons Bank | 64 | 35 | $4.6m | 30.0% | — |
| 4 | Southern Bancorp Bank | 45 | 32 | $2.6m | 12.2% | — |
| 5 | Rocket Mortgage | 46 | 31 | $5.1m | 30.4% | — |
| 6 | Cadence Bank | 47 | 30 | $3.5m | 28.6% | — |
| 7 | Vanderbilt Mortgage and Finance, Inc | 100 | 18 | $1.6m | 68.1% | — |
| 8 | 21st Mortgage | 150 | 14 | $1.2m | 85.1% | — |
| 9 | Triad Financial Services, Inc. | 129 | 13 | $1.2m | 58.1% | — |
| 10 | Countryplace Mortgage, Ltd. | 25 | 3 | $355k | — | — |
| 11 | FirstTrust Home Loans, Inc. | 42 | 1 | $45k | 2.4% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 11. Denial rate is denials over decided applications in this county.
Compared with Arkansas and the nation
| Measure | This county | Arkansas | United States |
|---|---|---|---|
| Denial rate | 43.1% | 25.0% | 24.3% |
| Median rate spread, pp | 0.8 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 27.0% | 17.6% | 15.6% |
| Average originated loan | $146k | $220k | $329k |
| Originations per 1,000 households | 27.5 | 49.1 | 48.0 |
| Home purchase share of originations | 68.0% | 60.8% | 57.0% |
| FHA-insured share | 16.5% | 15.3% | 13.4% |
| VA-guaranteed share | 7.0% | 9.5% | 7.9% |
Rate spread distribution
Share of 355 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 68% (280)Home improvement 4% (18)Refinancing 14% (56)Cash-out refinancing 9% (37)Other purpose 5% (21)
By type
Conventional 73% (301)FHA 17% (68)VA 7% (29)USDA 3% (14)
Trend by year
ApplicationsOriginations
This countyArkansas
Questions and answers
Which lenders are most active in Union County, AR?
By 2024 originations: Highlands Residential Mortgage, Ltd. (53), First Financial Bank (45), Simmons Bank (35), Southern Bancorp Bank (32), Rocket Mortgage (31). 11 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Union County?
43.1% of decided applications were denied in 2024, against 25.0% across Arkansas and 24.3% nationally.
How many mortgages were originated in Union County in 2024?
412 loans totalling $60m, from 1,115 applications; 27.5 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 05139; 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.