21st Mortgage in Arkansas vs the state
46.6%Denial rate+28.39 pts vs state
68.8%Decision denial rate+45.63 pts vs state
19.4%Origination rate-37.41 pts vs state
9.69%Median rate+3.06 pts vs state
3.98Rate spread (pts)+3.64 pts vs state
$62kMedian applicant income
631Loans originated
1,514Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,050 | 582 | 47.5% | 9.38% | #5 |
| 2024 | 3,174 | 666 | 45.0% | 9.78% | #5 |
| 2025 | 3,250 | 631 | 46.6% | 9.69% | #5 |
What 21st Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| White County | 190 | 49 | 69 | 36.3% |
| Union County | 144 | 14 | 72 | 50.0% |
| Garland County | 136 | 20 | 84 | 61.8% |
| Faulkner County | 129 | 33 | 52 | 40.3% |
| Saline County | 105 | 18 | 43 | 41.0% |
| Pulaski County | 104 | 30 | 46 | 44.2% |
| Miller County | 101 | 22 | 40 | 39.6% |
| Hot Spring County | 93 | 15 | 38 | 40.9% |
| Columbia County | 90 | 14 | 47 | 52.2% |
| Lonoke County | 80 | 13 | 34 | 42.5% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
| Centennial Bank | D | 2,104 | 16.1% | 6.63% |
Frequently asked questions
Arkansas: 3,250 applications in 2025, of which 631 were originated and 1,514 denied.
46.6% of all applications, or 68.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans 21st Mortgage originated in Arkansas in 2025 was 9.69%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology