American Financing in Arkansas vs the state
50.9%Denial rate+32.74 pts vs state
69.0%Decision denial rate+45.86 pts vs state
15.9%Origination rate-40.94 pts vs state
6.13%Median rate-0.50 pts vs state
0.01Rate spread (pts)-0.33 pts vs state
$78kMedian applicant income
34Loans originated
109Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 15 | 32.2% | 6.50% | #151 |
| 2024 | 172 | 36 | 54.7% | 6.38% | #111 |
| 2025 | 214 | 34 | 50.9% | 6.13% | #107 |
What American Financing lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 25 | 3 | 13 | 52.0% |
| Pulaski County | 23 | 4 | 9 | 39.1% |
| Faulkner County | 18 | 3 | 9 | 50.0% |
| Sebastian County | 16 | 4 | 8 | 50.0% |
| Washington County | 11 | 1 | 7 | 63.6% |
| Garland County | 10 | 0 | 6 | 60.0% |
| Saline County | 9 | 1 | 2 | 22.2% |
| Crawford County | 9 | 1 | 4 | 44.4% |
| Craighead County | 7 | 1 | 2 | 28.6% |
| Independence County | 5 | 0 | 3 | 60.0% |
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% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| 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% |
Frequently asked questions
Arkansas: 214 applications in 2025, of which 34 were originated and 109 denied.
50.9% of all applications, or 69.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans American Financing originated in Arkansas in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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