Gershman Investment in Arkansas vs the state
5.5%Denial rate-12.73 pts vs state
7.2%Decision denial rate-15.96 pts vs state
69.8%Origination rate+13.00 pts vs state
6.38%Median rate-0.25 pts vs state
0.05Rate spread (pts)-0.29 pts vs state
$128kMedian applicant income
243Loans originated
19Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 344 | 236 | 11.1% | 6.38% | #64 |
| 2024 | 431 | 292 | 10.4% | 6.38% | #57 |
| 2025 | 348 | 243 | 5.5% | 6.38% | #72 |
What Gershman Investment lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Gershman Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 197 | 148 | 7 | 3.6% |
| Washington County | 77 | 51 | 3 | 3.9% |
| Pulaski County | 19 | 11 | 4 | 21.1% |
| Saline County | 6 | 3 | 2 | 33.3% |
| Boone County | 5 | 3 | 1 | 20.0% |
| Conway County | 4 | 2 | 0 | 0.0% |
| Lonoke County | 4 | 2 | 1 | 25.0% |
| Faulkner County | 4 | 2 | 0 | 0.0% |
| Cleburne County | 4 | 2 | 0 | 0.0% |
| Desha County | 3 | 3 | 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: 348 applications in 2025, of which 243 were originated and 19 denied.
5.5% of all applications, or 7.2% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Gershman Investment originated in Arkansas in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Gershman Investment'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