American Heritage Lending in Arkansas vs the state
12.1%Denial rate-6.12 pts vs state
18.0%Decision denial rate-5.18 pts vs state
48.3%Origination rate-8.55 pts vs state
7.56%Median rate+0.94 pts vs state
0.87Rate spread (pts)+0.53 pts vs state
$140kMedian applicant income
28Loans originated
7Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 11 | 5.6% | 9.50% | #274 |
| 2024 | 13 | 7 | 0.0% | 8.38% | #311 |
| 2025 | 58 | 28 | 12.1% | 7.56% | #198 |
What American Heritage Lending lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 15 | 8 | 2 | 13.3% |
| Benton County | 10 | 8 | 0 | 0.0% |
| Craighead County | 6 | 5 | 0 | 0.0% |
| Crittenden County | 5 | 1 | 2 | 40.0% |
| Sebastian County | 5 | 2 | 0 | 0.0% |
| Washington County | 4 | 2 | 0 | 0.0% |
| Miller County | 3 | 0 | 1 | 33.3% |
| Garland County | 3 | 1 | 0 | 0.0% |
| Van Buren County | 2 | 0 | 1 | 50.0% |
| Saline County | 2 | 1 | 0 | 0.0% |
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: 58 applications in 2025, of which 28 were originated and 7 denied.
12.1% of all applications, or 18.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans American Heritage Lending originated in Arkansas in 2025 was 7.56%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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