Flat Branch Mortgage in Arkansas vs the state
0.4%Denial rate-17.81 pts vs state
0.5%Decision denial rate-22.66 pts vs state
80.5%Origination rate+23.66 pts vs state
6.49%Median rate-0.13 pts vs state
0.18Rate spread (pts)-0.16 pts vs state
$88kMedian applicant income
1,481Loans originated
7Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,490 | 1,171 | 1.0% | 6.75% | #15 |
| 2024 | 1,497 | 1,183 | 1.0% | 6.63% | #16 |
| 2025 | 1,840 | 1,481 | 0.4% | 6.49% | #17 |
What Flat Branch Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 474 | 390 | 0 | 0.0% |
| Washington County | 319 | 268 | 2 | 0.6% |
| Pulaski County | 245 | 176 | 1 | 0.4% |
| Lonoke County | 159 | 135 | 0 | 0.0% |
| White County | 108 | 91 | 0 | 0.0% |
| Faulkner County | 85 | 76 | 1 | 1.2% |
| Saline County | 75 | 59 | 0 | 0.0% |
| Sebastian County | 58 | 37 | 0 | 0.0% |
| Crawford County | 44 | 36 | 0 | 0.0% |
| Craighead County | 37 | 29 | 1 | 2.7% |
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: 1,840 applications in 2025, of which 1,481 were originated and 7 denied.
0.4% of all applications, or 0.5% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Flat Branch Mortgage originated in Arkansas in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Flat Branch 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