Figure Lending in Arkansas vs the state
28.9%Denial rate+10.67 pts vs state
30.0%Decision denial rate+6.82 pts vs state
46.9%Origination rate-9.89 pts vs state
8.81%Median rate+2.19 pts vs state
2.50Rate spread (pts)+2.16 pts vs state
$90kMedian applicant income
322Loans originated
198Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 405 | 174 | 34.8% | 10.95% | #57 |
| 2024 | 516 | 254 | 24.2% | 10.38% | #47 |
| 2025 | 686 | 322 | 28.9% | 8.81% | #39 |
What Figure Lending lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 106 | 50 | 36 | 34.0% |
| Benton County | 83 | 40 | 22 | 26.5% |
| Washington County | 62 | 30 | 15 | 24.2% |
| Sebastian County | 30 | 18 | 8 | 26.7% |
| Saline County | 29 | 12 | 9 | 31.0% |
| Crawford County | 28 | 14 | 6 | 21.4% |
| Garland County | 28 | 13 | 7 | 25.0% |
| Faulkner County | 18 | 11 | 2 | 11.1% |
| Lonoke County | 18 | 10 | 3 | 16.7% |
| Pope County | 16 | 10 | 3 | 18.8% |
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: 686 applications in 2025, of which 322 were originated and 198 denied.
28.9% of all applications, or 30.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Figure Lending originated in Arkansas in 2025 was 8.81%, against a statewide median of 6.63%.
About this data. Figures are Figure 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