Lenders › Mortgage Research Center › Arkansas
Mortgage Research Center in Arkansas
HMDA record for properties in Arkansas, calendar year 2024. National record · Arkansas overview
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.
In Arkansas, Mortgage Research Center reported 2,348 applications and 1,142 originations for 2024, $283m in all.
Its denial rate in the state was 25.1%, close to the Arkansas rate of 25.0% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Arkansas originations was -0.0 percentage points (state median 0.4).
Applications in the state were up 16% on 2023.
Compared with the state and the lender's national record
| Measure | In Arkansas | Arkansas, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.1% | 25.0% | 24.0% | 24.3% |
| Median rate spread, pp | -0.0 | 0.4 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.9% | 17.6% | 0.8% | 15.6% |
| Average originated loan | $248k | $220k | $315k | $329k |
| Home purchase share | 82.0% | 60.8% | 81.8% | 57.0% |
| FHA-insured share | 3.4% | 15.3% | 2.9% | 13.4% |
| VA-guaranteed share | 90.6% | 9.5% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateArkansas, all lenders
Loan purpose and loan type in Arkansas
By purpose
Home purchase 82% (937)Refinancing 15% (170)Cash-out refinancing 3% (35)
By type
Conventional 6% (65)FHA 3% (39)VA 91% (1,035)USDA 0% (3)
Denial reasons as coded
Share of 388 denials in Arkansas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Arkansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Pulaski County | 337 | 156 | $38m | 26.3% |
| Benton County | 214 | 103 | $34m | 19.5% |
| Lonoke County | 149 | 82 | $19m | 18.0% |
| Saline County | 163 | 73 | $21m | 23.5% |
| Washington County | 125 | 61 | $20m | 23.5% |
| Faulkner County | 116 | 53 | $15m | 30.3% |
| Garland County | 99 | 47 | $11m | 21.0% |
| Craighead County | 76 | 42 | $9.9m | 26.3% |
| Crawford County | 67 | 39 | $10m | 20.4% |
| Sebastian County | 85 | 38 | $8.1m | 32.1% |
| Pope County | 55 | 36 | $8.2m | 16.3% |
| White County | 56 | 30 | $6.3m | 16.7% |
| Greene County | 39 | 25 | $5.3m | 10.7% |
| Jefferson County | 36 | 17 | $3.5m | 34.6% |
| Crittenden County | 31 | 17 | $4.5m | — |
| Sharp County | 35 | 16 | $3.2m | 38.5% |
| Boone County | 27 | 15 | $3.3m | — |
| Hot Spring County | 29 | 14 | $2.7m | — |
| Cleburne County | 29 | 10 | $2.2m | — |
| Miller County | 26 | 10 | $2.3m | — |
| Baxter County | 29 | 8 | $1.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Arkansas in 2024?
1,142 loans totalling $283m, from 2,348 applications reported for properties in Arkansas.
What is Mortgage Research Center's denial rate in Arkansas?
25.1% of decided applications in Arkansas were denied, against 25.0% for all lenders in the state and 24.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Arkansas counties does Mortgage Research Center lend in most?
By originations: Pulaski County (156), Benton County (103), Lonoke County (82), Saline County (73), Washington County (61).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Arkansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.