Lenders › United Wholesale Mortgage › Arkansas
United Wholesale Mortgage 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.
United Wholesale Mortgage's 2024 HMDA record for Arkansas covers 1,531 applications, 1,123 of them originated, worth $310m.
Its denial rate in the state was 13.1%, below the Arkansas rate of 25.0% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Arkansas originations was 0.0 percentage points (state median 0.4).
Applications in the state were up 72% on 2023.
Compared with the state and the lender's national record
| Measure | In Arkansas | Arkansas, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.1% | 25.0% | 13.4% | 24.3% |
| Median rate spread, pp | 0.0 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.5% | 17.6% | 5.8% | 15.6% |
| Average originated loan | $276k | $220k | $382k | $329k |
| Home purchase share | 48.9% | 60.8% | 67.0% | 57.0% |
| FHA-insured share | 21.4% | 15.3% | 20.3% | 13.4% |
| VA-guaranteed share | 30.5% | 9.5% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateArkansas, all lenders
Loan purpose and loan type in Arkansas
By purpose
Home purchase 49% (549)Refinancing 28% (312)Cash-out refinancing 23% (262)
By type
Conventional 46% (521)FHA 21% (240)VA 30% (342)USDA 2% (20)
Denial reasons as coded
Share of 175 denials in Arkansas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Arkansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Benton County | 341 | 268 | $95m | 9.6% |
| Pulaski County | 213 | 157 | $46m | 9.9% |
| Saline County | 116 | 90 | $25m | 13.1% |
| Washington County | 92 | 71 | $22m | 9.8% |
| Garland County | 90 | 59 | $15m | 23.1% |
| Faulkner County | 75 | 58 | $14m | 9.0% |
| Craighead County | 84 | 57 | $14m | 14.1% |
| Lonoke County | 54 | 35 | $9.1m | 13.6% |
| Miller County | 35 | 27 | $5.8m | 12.9% |
| Sebastian County | 33 | 21 | $4.9m | 27.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Arkansas in 2024?
1,123 loans totalling $310m, from 1,531 applications reported for properties in Arkansas.
What is United Wholesale Mortgage's denial rate in Arkansas?
13.1% of decided applications in Arkansas were denied, against 25.0% for all lenders in the state and 13.4% 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 United Wholesale Mortgage lend in most?
By originations: Benton County (268), Pulaski County (157), Saline County (90), Washington County (71), Garland County (59).
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.