Highlands Residential Mortgage in Arkansas vs the state
0.8%Denial rate-17.37 pts vs state
1.0%Decision denial rate-22.17 pts vs state
79.1%Origination rate+22.25 pts vs state
6.63%Median rate0.00 pts vs state
0.43Rate spread (pts)+0.09 pts vs state
$83kMedian applicant income
673Loans originated
7Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 744 | 575 | 0.8% | 6.75% | #31 |
| 2024 | 918 | 730 | 0.8% | 6.63% | #30 |
| 2025 | 851 | 673 | 0.8% | 6.63% | #34 |
What Highlands Residential Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Crawford County | 124 | 99 | 0 | 0.0% |
| Benton County | 120 | 98 | 0 | 0.0% |
| Sebastian County | 107 | 81 | 0 | 0.0% |
| Pulaski County | 80 | 70 | 1 | 1.3% |
| Washington County | 73 | 53 | 0 | 0.0% |
| Union County | 69 | 60 | 0 | 0.0% |
| Miller County | 27 | 24 | 0 | 0.0% |
| Garland County | 25 | 16 | 2 | 8.0% |
| Craighead County | 25 | 19 | 0 | 0.0% |
| Little River County | 22 | 18 | 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: 851 applications in 2025, of which 673 were originated and 7 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Highlands Residential Mortgage originated in Arkansas in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Highlands Residential 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