American Pacific Mortgage in Arkansas vs the state
6.3%Denial rate-11.88 pts vs state
8.1%Decision denial rate-15.08 pts vs state
72.1%Origination rate+15.24 pts vs state
6.13%Median rate-0.50 pts vs state
0.18Rate spread (pts)-0.16 pts vs state
$76kMedian applicant income
80Loans originated
7Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 17 | 6.5% | 7.13% | #228 |
| 2024 | 44 | 33 | 9.1% | 6.75% | #212 |
| 2025 | 111 | 80 | 6.3% | 6.13% | #143 |
What American Pacific Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 42 | 36 | 2 | 4.8% |
| Carroll County | 10 | 7 | 1 | 10.0% |
| Marion County | 7 | 4 | 1 | 14.3% |
| Benton County | 7 | 5 | 0 | 0.0% |
| Newton County | 7 | 5 | 0 | 0.0% |
| Union County | 5 | 3 | 0 | 0.0% |
| Washington County | 4 | 4 | 0 | 0.0% |
| Craighead County | 3 | 1 | 0 | 0.0% |
| Garland County | 3 | 1 | 1 | 33.3% |
| Pulaski County | 2 | 0 | 1 | 50.0% |
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: 111 applications in 2025, of which 80 were originated and 7 denied.
6.3% of all applications, or 8.1% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans American Pacific Mortgage originated in Arkansas in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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