Lenders › 21st Mortgage › Arkansas
21st 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.
In Arkansas, 21st Mortgage reported 3,174 applications and 666 originations for 2024, $74m in all.
Its denial rate in the state was 67.2%, above the Arkansas rate of 25.0% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its Arkansas originations was 3.9 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Arkansas | Arkansas, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 67.2% | 25.0% | 70.3% | 24.3% |
| Median rate spread, pp | 3.9 | 0.4 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 98.5% | 17.6% | 99.0% | 15.6% |
| Average originated loan | $111k | $220k | $114k | $329k |
| Home purchase share | 99.2% | 60.8% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 15.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateArkansas, all lenders
Loan purpose and loan type in Arkansas
By purpose
Home purchase 99% (661)Home improvement 0% (1)Refinancing 1% (4)
By type
Conventional 100% (666)
Denial reasons as coded
Share of 1,428 denials in Arkansas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Arkansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| White County | 198 | 45 | $4.9m | 61.3% |
| Faulkner County | 160 | 29 | $3.6m | 71.6% |
| Pulaski County | 127 | 26 | $2.6m | 69.0% |
| Jefferson County | 100 | 26 | $2.7m | 56.9% |
| Lonoke County | 98 | 25 | $3.3m | 61.2% |
| Garland County | 130 | 22 | $2.3m | 75.5% |
| Saline County | 111 | 21 | $2.4m | 70.1% |
| Miller County | 89 | 19 | $2.1m | 63.0% |
| Hot Spring County | 72 | 19 | $2.4m | 58.8% |
| Independence County | 64 | 18 | $2.3m | 54.8% |
| Pope County | 70 | 17 | $1.7m | 63.0% |
| Cleburne County | 50 | 16 | $1.9m | 56.8% |
| Conway County | 58 | 15 | $1.7m | 62.8% |
| Union County | 150 | 14 | $1.2m | 85.1% |
| Sebastian County | 49 | 14 | $1.6m | 61.1% |
| Grant County | 47 | 14 | $1.5m | 62.2% |
| Logan County | 42 | 14 | $1.5m | 56.3% |
| Crawford County | 38 | 14 | $1.8m | 44.4% |
| Ouachita County | 74 | 13 | $1.5m | 70.0% |
| Lafayette County | 41 | 11 | $1.0m | 55.2% |
| Drew County | 41 | 11 | $1.5m | 65.6% |
| Lincoln County | 36 | 11 | $1.2m | 58.6% |
| Polk County | 46 | 10 | $1.2m | 61.5% |
| Johnson County | 34 | 10 | $940k | — |
| Chicot County | 46 | 9 | $955k | 76.3% |
| Washington County | 42 | 9 | $955k | 67.9% |
| Yell County | 37 | 9 | $1.0m | 69.0% |
| Clark County | 36 | 8 | $720k | 72.4% |
| Van Buren County | 33 | 8 | $1.0m | — |
| Cleveland County | 27 | 8 | $700k | — |
| Columbia County | 73 | 7 | $665k | 83.3% |
| Ashley County | 72 | 7 | $815k | 81.0% |
| Bradley County | 32 | 7 | $705k | — |
| Cross County | 31 | 7 | $785k | — |
| Nevada County | 25 | 7 | $655k | — |
| Benton County | 51 | 6 | $730k | 74.1% |
| Perry County | 37 | 6 | $540k | 77.8% |
| Calhoun County | 30 | 6 | $650k | — |
| Dallas County | 27 | 6 | $600k | — |
| St. Francis County | 43 | 5 | $425k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in Arkansas in 2024?
666 loans totalling $74m, from 3,174 applications reported for properties in Arkansas.
What is 21st Mortgage's denial rate in Arkansas?
67.2% of decided applications in Arkansas were denied, against 25.0% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: White County (45), Faulkner County (29), Pulaski County (26), Jefferson County (26), Lonoke County (25).
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.