Freedom Mortgage in Arkansas vs the state
8.4%Denial rate-9.82 pts vs state
14.8%Decision denial rate-8.35 pts vs state
40.4%Origination rate-16.46 pts vs state
6.25%Median rate-0.38 pts vs state
0.06Rate spread (pts)-0.28 pts vs state
$77kMedian applicant income
675Loans originated
140Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 601 | 217 | 16.8% | 6.75% | #37 |
| 2024 | 1,218 | 518 | 11.9% | 6.25% | #23 |
| 2025 | 1,672 | 675 | 8.4% | 6.25% | #18 |
What Freedom Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 233 | 97 | 20 | 8.6% |
| Benton County | 209 | 91 | 9 | 4.3% |
| Saline County | 126 | 50 | 14 | 11.1% |
| Washington County | 117 | 36 | 9 | 7.7% |
| Lonoke County | 112 | 48 | 5 | 4.5% |
| Faulkner County | 85 | 35 | 4 | 4.7% |
| Craighead County | 67 | 29 | 8 | 11.9% |
| Sebastian County | 54 | 17 | 7 | 13.0% |
| White County | 51 | 25 | 5 | 9.8% |
| Baxter County | 40 | 15 | 5 | 12.5% |
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: 1,672 applications in 2025, of which 675 were originated and 140 denied.
8.4% of all applications, or 14.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Freedom Mortgage originated in Arkansas in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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