Lower in Arkansas vs the state
7.8%Denial rate-10.39 pts vs state
11.3%Decision denial rate-11.80 pts vs state
59.6%Origination rate+2.80 pts vs state
6.50%Median rate-0.13 pts vs state
0.34Rate spread (pts)0.00 pts vs state
$96kMedian applicant income
130Loans originated
17Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 51 | 9.0% | 6.75% | #174 |
| 2024 | 181 | 105 | 9.9% | 6.63% | #108 |
| 2025 | 218 | 130 | 7.8% | 6.50% | #105 |
What Lower lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 38 | 26 | 4 | 10.5% |
| Benton County | 29 | 17 | 1 | 3.4% |
| Saline County | 24 | 22 | 0 | 0.0% |
| Washington County | 15 | 8 | 2 | 13.3% |
| Greene County | 14 | 9 | 1 | 7.1% |
| Craighead County | 12 | 9 | 1 | 8.3% |
| Faulkner County | 9 | 8 | 0 | 0.0% |
| Sebastian County | 6 | 3 | 0 | 0.0% |
| Carroll County | 6 | 4 | 0 | 0.0% |
| White County | 5 | 2 | 1 | 20.0% |
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: 218 applications in 2025, of which 130 were originated and 17 denied.
7.8% of all applications, or 11.3% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Lower originated in Arkansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Lower'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