Commerce Home Mortgage in Arkansas vs the state
8.2%Denial rate-9.99 pts vs state
10.2%Decision denial rate-12.93 pts vs state
72.1%Origination rate+15.30 pts vs state
7.06%Median rate+0.43 pts vs state
0.87Rate spread (pts)+0.53 pts vs state
$91kMedian applicant income
44Loans originated
5Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 8 | 12.5% | 9.06% | #287 |
| 2024 | 15 | 7 | 6.7% | 9.00% | #293 |
| 2025 | 61 | 44 | 8.2% | 7.06% | #191 |
What Commerce Home Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saline County | 11 | 7 | 0 | 0.0% |
| Pulaski County | 11 | 9 | 1 | 9.1% |
| Sebastian County | 7 | 6 | 0 | 0.0% |
| Benton County | 6 | 3 | 2 | 33.3% |
| Faulkner County | 6 | 4 | 1 | 16.7% |
| Garland County | 5 | 5 | 0 | 0.0% |
| Washington County | 4 | 4 | 0 | 0.0% |
| White County | 1 | 1 | 0 | 0.0% |
| Greene County | 1 | 0 | 0 | 0.0% |
| Polk County | 1 | 0 | 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: 61 applications in 2025, of which 44 were originated and 5 denied.
8.2% of all applications, or 10.2% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Commerce Home Mortgage originated in Arkansas in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are Commerce Home 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