Fayetteville-Springdale-Rogers Mortgage Lending in 2025

Explore mortgage lending activity in Fayetteville-Springdale-Rogers (MSA/MD Code 22220) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 22220
10,467 Loans Originated
• Primary State: Arkansas (AR)
• $3.71 Billion Originated Volume
• $305,000 Median Loan
Actionable Applications 12,406 +9.35% vs 2024
Approval Rate 87.58% -0.69 pp vs 2024
Denial Rate 12.42% +0.69 pp vs 2024
Loan Originations 10,467 +8.71% vs 2024
Originated Volume $3.71 Billion +15.32% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 12,406 actionable applications (Actions 1, 2, and 3).

87.58%
12.42%
10,865 approved 1,541 denied
Action 1: Originated
10,467 (84.37%)
Action 2: Approved not accepted
398 (3.21%)
Action 3: Denied
1,541 (12.42%)
Action 4: Withdrawn (not in denominator)
3,139 —
Action 5: Incomplete (not in denominator)
1,032 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Fayetteville-Springdale-Rogers Compares

Metro vs. State Baseline (2025)

Metric Fayetteville-Springdale-Rogers Arkansas
Actionable Apps 12,406 54,968
Approval Rate 87.58% 77.77%
Denial Rate 12.42% 22.23%
Originations 10,467 40,138
Originated Volume $3.71 Billion $10.52 Billion
Median Loan $305,000 $225,000
Compared against Arkansas statewide baseline in 2025.

Lending Trends in Fayetteville-Springdale-Rogers

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 15,091 16,577 +9.85%
Actionable Apps 11,345 12,406 +9.35%
Originations 9,628 10,467 +8.71%
Approval Rate 88.27% 87.58% -0.69 pp
Denial Rate 11.73% 12.42% +0.69 pp
Median Loan $295,000 $305,000 +3.39%
Dollar Volume $3.22 Billion $3.71 Billion +15.32%

Applications by Borrower Income (Fayetteville-Springdale-Rogers)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 2,970 91.38% 8.62%
$150k+ 3,711 93.94% 6.06%
$50k–$99,999 3,950 84.81% 15.19%
<$50k 987 63.12% 36.88%
Income unavailable/entity 788 87.82% 12.18%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Arkansas (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 22220, anchored in Arkansas (AR).
Metro Share of State Apps 22.57%
Metro Share of State Volume 35.30%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Arkansas statewide mortgage activity

Fayetteville-Springdale-Rogers is part of OpenFileData’s statewide coverage of Arkansas. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Arkansas Statewide Overview Active Profile
Statewide Actionable Applications: 54,968
Explore Arkansas State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Arkansas Profile

Compare all metropolitan areas located in Arkansas.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.