Embrace Home Loans in Arkansas vs the state
28.6%Denial rate+10.38 pts vs state
40.0%Decision denial rate+16.87 pts vs state
28.6%Origination rate-28.26 pts vs state
6.63%Median rate0.00 pts vs state
0.14Rate spread (pts)-0.20 pts vs state
$54kMedian applicant income
2Loans originated
2Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 3 | 38.5% | 5.88% | #308 |
| 2024 | 10 | 4 | 20.0% | 6.43% | #342 |
| 2025 | 7 | 2 | 28.6% | 6.63% | #375 |
What Embrace Home Loans lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Embrace Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 2 | 1 | 1 | 50.0% |
| Franklin County | 2 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Pope County | 1 | 0 | 0 | 0.0% |
| Saline County | 1 | 0 | 1 | 100.0% |
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: 7 applications in 2025, of which 2 were originated and 2 denied.
28.6% of all applications, or 40.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Embrace Home Loans originated in Arkansas in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Embrace Home Loans'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