Arkansas Mortgage Lending in 2025
Explore residential mortgage lending activity in Arkansas using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 54,968 actionable applications (Actions 1, 2, and 3).
How Arkansas Compares
Key metrics: Arkansas vs. U.S. (2025)
| Metric | Arkansas | U.S. |
|---|---|---|
| Actionable Apps | 54,968 | 5,197,320 |
| Approval Rate | 77.77% | 82.12% |
| Denial Rate | 22.23% | 17.88% |
| Originations | 40,138 | 4,052,301 |
| Originated Volume | $10.52 Billion | $1.58 Trillion |
| Median Loan | $225,000 | $325,000 |
Lending Trends in Arkansas
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 66,848 | 72,729 | +8.80% |
| Actionable Apps | 51,393 | 54,968 | +6.96% |
| Originations | 35,514 | 40,138 | +13.02% |
| Approval Rate | 76.48% | 77.77% | +1.29 pp |
| Denial Rate | 23.52% | 22.23% | -1.29 pp |
| Median Loan | $215,000 | $225,000 | +4.65% |
| Dollar Volume | $8.88 Billion | $10.52 Billion | +18.47% |
Applications by Borrower Income (Arkansas)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 10,572 | 85.34% | 14.66% |
| $150k+ | 8,673 | 90.25% | 9.75% |
| $50k–$99,999 | 21,952 | 77.87% | 22.13% |
| <$50k | 10,032 | 56.23% | 43.77% |
| Income unavailable/entity | 3,739 | 84.57% | 15.43% |
Metropolitan Areas in Arkansas
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Memphis | 19,139 | 14,692 | 80.48% |
| Little Rock-North Little Rock-Conway | 14,916 | 11,412 | 80.65% |
| Fayetteville-Springdale-Rogers | 12,406 | 10,467 | 87.58% |
| Fort Smith | 3,534 | 2,674 | 79.82% |
| Jonesboro | 2,340 | 1,730 | 80.00% |
| Texarkana | 2,184 | 1,314 | 68.18% |
| Hot Springs | 2,033 | 1,312 | 69.55% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Arkansas (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | ARVEST BANK | 3,022 | 91.70% |
| 2 | ROCKET MORTGAGE | 2,962 | 78.13% |
| 3 | FirstTrust Home Loans | 1,955 | 99.34% |
| 4 | United Wholesale Mortgage | 1,482 | 84.59% |
| 5 | FLAT BRANCH MORTGAGE, INC. | 1,273 | 99.46% |
| 6 | Mortgage Research Center | 1,214 | 71.61% |
| 7 | FAIRWAY INDEPENDENT MORT CORP | 1,046 | 92.48% |
| 8 | Centennial Bank | 885 | 81.21% |
| 9 | First Community Bank | 862 | 93.11% |
| 10 | Eagle Bank and Trust Company | 814 | 94.06% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
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