States › Arkansas
Arkansas mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Arkansas, with all 75 counties.
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. Record year 2024.
Arkansas had 107,016 HMDA-reported mortgage applications and 59,195 originations ($13bn) in 2024, from 253 lenders with at least 25 applications in the state.
The statewide denial rate was 25.0% (national 24.3%) and the median rate spread 0.4 percentage points (national 0.3). Originations ran at 49.1 per 1,000 households, against 48.0 nationally.
Originations in the state went from 62,012 in 2018 to 59,195 in 2024; the denial rate moved from 25.1% to 25.0%.
The most active lenders by originations were Arvest Bank (6,399), Rocket Mortgage (3,464) and Arkansas Federal Credit Union (2,416).
Most active lenders in Arkansas
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | 9,587 | 6,399 | $1.4bn | 19.1% | 0.5 |
| 2 | Rocket Mortgage | 4,839 | 3,464 | $679m | 20.2% | 0.5 |
| 3 | Arkansas Federal Credit Union | 4,110 | 2,416 | $249m | 27.2% | 1.3 |
| 4 | First Security Bank | 1,638 | 1,322 | $254m | 9.5% | 0.9 |
| 5 | Centennial Bank | 2,159 | 1,281 | $306m | 20.8% | 0.4 |
| 6 | First Community Bank | 1,579 | 1,208 | $258m | 6.7% | 0.4 |
| 7 | Regions Bank | 2,767 | 1,202 | $183m | 46.5% | 0.5 |
| 8 | Flat Branch Mortgage, Inc. | 1,497 | 1,183 | $308m | 1.2% | 0.3 |
| 9 | Mortgage Research Center | 2,348 | 1,142 | $283m | 25.1% | -0.0 |
| 10 | United Wholesale Mortgage | 1,531 | 1,123 | $310m | 13.1% | 0.0 |
| 11 | Simmons Bank | 1,756 | 1,116 | $195m | 23.1% | 0.4 |
| 12 | Eagle Bank and Trust Company | 1,368 | 1,003 | $224m | 8.6% | 0.2 |
| 13 | Lendlo Mortgage, LLC | 1,195 | 972 | $194m | 3.8% | 0.3 |
| 14 | Cadence Bank | 1,331 | 879 | $167m | 23.0% | 0.3 |
| 15 | Fairway Independent Mort Corp | 1,129 | 825 | $135m | 5.4% | 0.8 |
| 16 | Highlands Residential Mortgage, Ltd. | 918 | 730 | $160m | 0.9% | 0.6 |
| 17 | 21st Mortgage | 3,174 | 666 | $74m | 67.2% | 3.9 |
| 18 | Pennymac Loan Services LLC | 1,372 | 651 | $149m | 19.6% | 0.3 |
| 19 | Bank Ozk | 1,299 | 601 | $92m | 45.3% | -2.1 |
| 20 | First Horizon Bank | 853 | 572 | $144m | 18.8% | 0.2 |
| 21 | Us Bank, N.A. | 1,337 | 543 | $152m | 51.6% | 1.0 |
| 22 | Southern Bancorp Bank | 722 | 528 | $70m | 10.4% | 1.2 |
| 23 | Freedom Mortgage Corporation | 1,218 | 518 | $123m | 20.0% | 0.3 |
| 24 | Encore Bank | 750 | 481 | $149m | 13.0% | 0.2 |
| 25 | Navy Federal Credit Union | 1,049 | 474 | $108m | 32.4% | -0.1 |
| 26 | Click n' Close, Inc. | 735 | 468 | $95m | 2.7% | — |
| 27 | DHI Mortgage Company, LTD. | 737 | 462 | $134m | 13.4% | -0.7 |
| 28 | Firstar Bank | 527 | 455 | $95m | 0.0% | 0.0 |
| 29 | Eustis Mortgage Corp | 507 | 446 | $107m | 0.4% | 0.4 |
| 30 | New American Funding, LLC. | 1,168 | 437 | $85m | 23.9% | 0.9 |
| 31 | Vanderbilt Mortgage and Finance, Inc | 3,477 | 421 | $60m | 75.7% | 3.8 |
| 32 | Nationstar Mortgage | 595 | 397 | $65m | 16.3% | 1.1 |
| 33 | Bank of England | 559 | 396 | $91m | 8.4% | 0.3 |
| 34 | First National Bank of Fort Smith | 533 | 391 | $126m | 5.7% | 0.2 |
| 35 | Bank of America NA | 1,058 | 388 | $73m | 52.5% | 0.8 |
| 36 | Guild Mortgage Company | 555 | 377 | $83m | 5.3% | 0.5 |
| 37 | United Federal Credit Union | 656 | 372 | $46m | 33.0% | 0.7 |
| 38 | Bank of Little Rock Mortgage Corporation | 510 | 363 | $105m | 6.2% | 0.2 |
| 39 | Loandepot.com, LLC | 822 | 361 | $60m | 44.4% | 0.8 |
| 40 | SWBC Mortgage Corporation | 402 | 332 | $75m | 2.3% | 0.2 |
| 41 | Chambers Bank | 432 | 330 | $72m | 12.1% | 0.2 |
| 42 | The Farmers & Merchants Bank | 452 | 323 | $80m | 17.0% | 1.2 |
| 43 | Associated Mortgage Corporation | 415 | 322 | $100m | 0.9% | 0.2 |
| 44 | Crosscountry Mortgage, LLC | 614 | 319 | $68m | 3.0% | 0.6 |
| 45 | Signature Bank of Arkansas | 376 | 308 | $153m | 3.4% | — |
| 46 | Discover Bank | 1,794 | 307 | $22m | 75.1% | 2.5 |
| 47 | First Financial Bank | 379 | 305 | $59m | 4.9% | 0.2 |
| 48 | Southern Bank | 349 | 304 | $56m | 4.1% | 0.4 |
| 49 | Newrez LLC | 898 | 298 | $65m | 37.3% | 0.5 |
| 50 | Gershman Investment Corp. | 431 | 292 | $86m | 13.3% | 0.1 |
| 51 | Union Bank | 288 | 284 | $41m | 1.4% | — |
| 52 | Priority Bank | 326 | 283 | $75m | 0.7% | 0.1 |
| 53 | Das Acquisition Company, LLC | 389 | 277 | $50m | 5.4% | 0.8 |
| 54 | Gateway First Bank | 378 | 271 | $74m | 8.4% | 0.3 |
| 55 | Guaranteed Rate, Inc. | 434 | 269 | $57m | 9.9% | 0.4 |
| 56 | Luminate Home Loans, Inc. | 361 | 269 | $57m | 1.1% | 0.8 |
| 57 | JPMorgan Chase Bank, NA | 436 | 268 | $74m | 15.0% | 0.1 |
| 58 | Mortgage Financial Services | 367 | 268 | $55m | 2.5% | 0.7 |
| 59 | Community Mortgage Corporation | 308 | 259 | $64m | 3.0% | 0.2 |
| 60 | Generations Bank | 321 | 257 | $86m | 9.5% | 0.1 |
Top 60 of 253 lenders with at least 25 applications in the state, by originations. 150 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Arkansas | United States |
|---|---|---|
| Denial rate | 25.0% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.6% | 15.6% |
| Average originated loan | $220k | $329k |
| Originations per 1,000 households | 49.1 | 48.0 |
| Home purchase share of originations | 60.8% | 57.0% |
| FHA-insured share | 15.3% | 13.4% |
| VA-guaranteed share | 9.5% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
ArkansasUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 103,357 | 62,012 | $9.8bn | 25.1% | 13.8% | 8.3% | 26.2% |
| 2019 | 111,208 | 68,075 | $12bn | 23.1% | 14.0% | 9.8% | 30.4% |
| 2020 | 159,411 | 102,283 | $20bn | 18.0% | 11.7% | 11.3% | 47.8% |
| 2021 | 169,935 | 106,550 | $22bn | 18.6% | 12.7% | 10.4% | 46.7% |
| 2022 | 124,756 | 71,509 | $16bn | 24.0% | 12.6% | 8.3% | 27.2% |
| 2023 | 98,824 | 54,384 | $12bn | 26.7% | 15.5% | 7.9% | 17.6% |
| 2024 | 107,016 | 59,195 | $13bn | 25.0% | 15.3% | 9.5% | 21.9% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 61% (36,020)Home improvement 8% (4,740)Refinancing 12% (7,252)Cash-out refinancing 10% (5,689)Other purpose 9% (5,489)
By type
Conventional 72% (42,900)FHA 15% (9,051)VA 10% (5,640)USDA 3% (1,604)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Benton County | 15,020 | 9,475 | 84.7 | 15.9% | 0.3 | 93 |
| Pulaski County | 14,103 | 7,628 | 44.2 | 25.8% | 0.4 | 89 |
| Washington County | 9,028 | 5,718 | 58.8 | 17.6% | 0.3 | 69 |
| Saline County | 5,803 | 3,245 | 64.6 | 25.0% | 0.4 | 55 |
| Faulkner County | 5,070 | 3,005 | 60.9 | 22.1% | 0.4 | 41 |
| Sebastian County | 3,959 | 2,438 | 46.7 | 21.2% | 0.4 | 33 |
| Craighead County | 3,790 | 2,309 | 52.0 | 20.3% | 0.4 | 44 |
| Garland County | 4,249 | 2,122 | 48.6 | 30.7% | 0.5 | 37 |
| Lonoke County | 3,346 | 1,850 | 64.8 | 23.2% | 0.4 | 37 |
| White County | 2,889 | 1,475 | 49.8 | 28.5% | 0.5 | 27 |
| Crawford County | 2,152 | 1,305 | 55.9 | 23.7% | 0.5 | 22 |
| Pope County | 1,937 | 1,159 | 47.6 | 25.3% | 0.5 | 19 |
| Baxter County | 1,562 | 970 | 50.1 | 17.4% | 0.5 | 12 |
| Greene County | 1,458 | 904 | 50.2 | 20.3% | 0.5 | 17 |
| Boone County | 1,310 | 792 | 51.6 | 19.8% | 0.5 | 14 |
| Jefferson County | 1,624 | 698 | 29.1 | 36.7% | 0.8 | 20 |
| Independence County | 1,060 | 620 | 42.4 | 23.8% | 0.6 | 8 |
| Crittenden County | 1,295 | 606 | 33.3 | 27.6% | 0.4 | 10 |
| Miller County | 1,178 | 603 | 36.9 | 29.7% | 0.8 | 15 |
| Cleburne County | 1,145 | 596 | 56.6 | 27.9% | 0.6 | 12 |
| Carroll County | 911 | 577 | 50.9 | 18.3% | 0.4 | 5 |
| Hot Spring County | 1,277 | 526 | 42.7 | 38.6% | 0.7 | 12 |
| Mississippi County | 914 | 454 | 29.4 | 32.6% | 0.8 | 8 |
| Johnson County | 785 | 449 | 43.5 | 26.2% | 0.5 | 6 |
| Union County | 1,115 | 412 | 27.5 | 43.1% | 0.8 | 11 |
| Poinsett County | 720 | 397 | 45.2 | 27.3% | 0.7 | 7 |
| Van Buren County | 766 | 365 | 49.1 | 33.8% | 0.6 | 9 |
| Sharp County | 668 | 364 | 53.1 | 25.6% | 0.5 | 5 |
| Madison County | 578 | 332 | 51.4 | 23.2% | 0.5 | 4 |
| Conway County | 749 | 329 | 39.7 | 38.7% | 0.7 | 7 |
| Polk County | 579 | 326 | 41.3 | 23.1% | 0.7 | 5 |
| Marion County | 576 | 320 | 41.8 | 22.8% | 0.6 | 2 |
| Franklin County | 568 | 311 | 44.1 | 27.9% | 0.5 | 6 |
| Clark County | 649 | 306 | 37.7 | 35.5% | 0.7 | 7 |
| Logan County | 587 | 304 | 35.7 | 32.3% | 0.7 | 5 |
| Grant County | 744 | 294 | 42.1 | 32.6% | 0.7 | 8 |
| Yell County | 554 | 286 | 34.4 | 32.0% | 0.7 | 5 |
| Randolph County | 524 | 276 | 37.6 | 28.7% | 0.7 | 5 |
| Ouachita County | 678 | 254 | 29.5 | 40.4% | 0.9 | 8 |
| Lawrence County | 471 | 248 | 37.5 | 29.6% | 0.5 | 2 |
| Columbia County | 571 | 229 | 27.2 | 42.9% | 0.8 | 5 |
| Izard County | 423 | 224 | 42.8 | 26.5% | 0.4 | 3 |
| Little River County | 355 | 216 | 44.8 | 25.7% | 0.9 | 2 |
| Sevier County | 354 | 215 | 38.2 | 21.5% | 0.7 | 1 |
| Hempstead County | 458 | 204 | 27.3 | 38.6% | 0.7 | 5 |
| Arkansas County | 465 | 201 | 30.0 | 28.2% | 1.1 | 5 |
| Clay County | 386 | 197 | 32.7 | 31.7% | 0.8 | 2 |
| Stone County | 380 | 195 | 37.1 | 30.3% | 0.5 | 1 |
| Cross County | 435 | 189 | 29.2 | 31.3% | 0.6 | 5 |
| Ashley County | 455 | 176 | 23.9 | 43.2% | 0.8 | 4 |
| Fulton County | 296 | 163 | 34.3 | 25.1% | 0.6 | 1 |
| Perry County | 384 | 158 | 38.6 | 39.1% | 0.6 | 2 |
| Montgomery County | 308 | 154 | 41.5 | 33.8% | 0.8 | 1 |
| Jackson County | 324 | 151 | 24.9 | 33.5% | 0.6 | 1 |
| Drew County | 334 | 140 | 19.5 | 40.8% | 0.7 | 3 |
| Scott County | 263 | 138 | 34.6 | 30.0% | 0.9 | 1 |
| Howard County | 293 | 136 | 26.7 | 28.8% | 1.0 | 3 |
| St. Francis County | 342 | 132 | 17.0 | 38.0% | 0.8 | 3 |
| Pike County | 290 | 130 | 31.8 | 33.9% | 1.0 | 3 |
| Newton County | 211 | 125 | 39.3 | 17.5% | 0.4 | 0 |
| Searcy County | 217 | 107 | 33.5 | 29.0% | 0.8 | 1 |
| Prairie County | 224 | 103 | 31.6 | 38.8% | 1.0 | 1 |
| Cleveland County | 237 | 101 | 34.5 | 35.8% | 0.9 | 1 |
| Lincoln County | 255 | 88 | 24.5 | 47.5% | 1.2 | 1 |
| Phillips County | 248 | 86 | 14.3 | 48.2% | 0.8 | 1 |
| Dallas County | 203 | 71 | 27.8 | 48.8% | 1.0 | 3 |
| Bradley County | 218 | 68 | 18.1 | 49.1% | 1.1 | 4 |
| Desha County | 163 | 64 | 13.9 | 45.3% | 1.0 | 0 |
| Lafayette County | 182 | 64 | 24.4 | 50.7% | 2.6 | 2 |
| Calhoun County | 168 | 62 | 36.7 | 41.4% | 1.0 | 2 |
| Nevada County | 176 | 60 | 18.5 | 42.2% | 1.1 | 2 |
| Chicot County | 217 | 59 | 14.9 | 57.3% | 0.8 | 2 |
| Woodruff County | 116 | 44 | 16.3 | 42.2% | 0.6 | 0 |
| Monroe County | 138 | 43 | 15.4 | 52.3% | 1.0 | 0 |
| Lee County | 99 | 38 | 14.1 | 36.8% | — | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Arkansas originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Arkansas?
By 2024 originations: Arvest Bank (6,399), Rocket Mortgage (3,464), Arkansas Federal Credit Union (2,416), First Security Bank (1,322), Centennial Bank (1,281). 253 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Arkansas?
25.0% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Arkansas changed since 2018?
Originations went from 62,012 in 2018 to 59,195 in 2024; the denial rate moved from 25.1% to 25.0%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.