Mortgage Research Center in Arkansas vs the state
18.3%Denial rate+0.06 pts vs state
28.8%Decision denial rate+5.63 pts vs state
44.7%Origination rate-12.16 pts vs state
6.25%Median rate-0.38 pts vs state
-0.18Rate spread (pts)-0.52 pts vs state
$84kMedian applicant income
1,236Loans originated
505Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,028 | 1,000 | 16.5% | 6.75% | #9 |
| 2024 | 2,348 | 1,142 | 16.5% | 6.63% | #8 |
| 2025 | 2,767 | 1,236 | 18.3% | 6.25% | #6 |
What Mortgage Research Center lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 377 | 169 | 70 | 18.6% |
| Benton County | 250 | 98 | 53 | 21.2% |
| Lonoke County | 167 | 84 | 24 | 14.4% |
| Saline County | 145 | 69 | 21 | 14.5% |
| Washington County | 145 | 73 | 20 | 13.8% |
| Sebastian County | 126 | 54 | 30 | 23.8% |
| Faulkner County | 125 | 53 | 27 | 21.6% |
| Garland County | 121 | 62 | 19 | 15.7% |
| White County | 86 | 43 | 15 | 17.4% |
| Craighead County | 86 | 40 | 17 | 19.8% |
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% |
| 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% |
| Centennial Bank | D | 2,104 | 16.1% | 6.63% |
Frequently asked questions
Arkansas: 2,767 applications in 2025, of which 1,236 were originated and 505 denied.
18.3% of all applications, or 28.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Mortgage Research Center originated in Arkansas in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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