Guaranteed Rate in Arkansas vs the state
6.8%Denial rate-11.38 pts vs state
11.8%Decision denial rate-11.35 pts vs state
48.6%Origination rate-8.19 pts vs state
6.50%Median rate-0.13 pts vs state
0.32Rate spread (pts)-0.02 pts vs state
$107kMedian applicant income
250Loans originated
35Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 550 | 253 | 4.7% | 6.75% | #40 |
| 2024 | 434 | 269 | 6.9% | 6.63% | #55 |
| 2025 | 514 | 250 | 6.8% | 6.50% | #49 |
What Guaranteed Rate lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 193 | 140 | 3 | 1.6% |
| Benton County | 86 | 20 | 7 | 8.1% |
| Washington County | 49 | 18 | 2 | 4.1% |
| Saline County | 21 | 8 | 1 | 4.8% |
| Lonoke County | 17 | 11 | 1 | 5.9% |
| Crittenden County | 15 | 8 | 1 | 6.7% |
| Sebastian County | 15 | 6 | 1 | 6.7% |
| Faulkner County | 10 | 4 | 0 | 0.0% |
| Craighead County | 8 | 4 | 2 | 25.0% |
| Garland County | 8 | 5 | 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: 514 applications in 2025, of which 250 were originated and 35 denied.
6.8% of all applications, or 11.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Guaranteed Rate originated in Arkansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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