Emm Loans in Arkansas vs the state
27.8%Denial rate+9.59 pts vs state
41.7%Decision denial rate+18.54 pts vs state
38.9%Origination rate-17.94 pts vs state
5.99%Median rate-0.63 pts vs state
0.30Rate spread (pts)-0.04 pts vs state
$64kMedian applicant income
7Loans originated
5Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 5 | 5.3% | 5.75% | #269 |
| 2024 | 22 | 7 | 18.2% | 5.99% | #259 |
| 2025 | 18 | 7 | 27.8% | 5.99% | #292 |
What Emm Loans lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 2 | 0 | 2 | 100.0% |
| Boone County | 2 | 0 | 1 | 50.0% |
| Benton County | 2 | 1 | 0 | 0.0% |
| Faulkner County | 1 | 0 | 0 | 0.0% |
| Greene County | 1 | 1 | 0 | 0.0% |
| Craighead County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
| Pulaski County | 1 | 1 | 0 | 0.0% |
| Little River County | 1 | 0 | 1 | 100.0% |
| Searcy 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: 18 applications in 2025, of which 7 were originated and 5 denied.
27.8% of all applications, or 41.7% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Emm Loans originated in Arkansas in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Emm 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