First Community Mortgage in Arkansas vs the state
6.3%Denial rate-11.94 pts vs state
6.6%Decision denial rate-16.53 pts vs state
80.1%Origination rate+23.23 pts vs state
6.49%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.15 pts vs state
$86kMedian applicant income
269Loans originated
21Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 114 | 104 | 3.5% | 6.75% | #128 |
| 2024 | 276 | 236 | 3.3% | 6.63% | #80 |
| 2025 | 336 | 269 | 6.3% | 6.49% | #75 |
What First Community Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 48 | 38 | 3 | 6.3% |
| Independence County | 45 | 35 | 3 | 6.7% |
| Sebastian County | 40 | 35 | 2 | 5.0% |
| Saline County | 17 | 15 | 1 | 5.9% |
| Jackson County | 16 | 13 | 0 | 0.0% |
| Crawford County | 15 | 13 | 0 | 0.0% |
| Faulkner County | 14 | 11 | 2 | 14.3% |
| Garland County | 14 | 13 | 0 | 0.0% |
| Benton County | 13 | 10 | 1 | 7.7% |
| Washington County | 12 | 7 | 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: 336 applications in 2025, of which 269 were originated and 21 denied.
6.3% of all applications, or 6.6% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans First Community Mortgage originated in Arkansas in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are First Community 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