PHH Mortgage in Arkansas vs the state
5.6%Denial rate-12.56 pts vs state
12.0%Decision denial rate-11.13 pts vs state
40.9%Origination rate-15.98 pts vs state
6.38%Median rate-0.25 pts vs state
0.26Rate spread (pts)-0.08 pts vs state
$85kMedian applicant income
87Loans originated
12Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 23 | 19.2% | 6.63% | #168 |
| 2024 | 144 | 43 | 14.6% | 6.88% | #125 |
| 2025 | 213 | 87 | 5.6% | 6.38% | #108 |
What PHH Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 30 | 5 | 3 | 10.0% |
| Benton County | 29 | 8 | 2 | 6.9% |
| Faulkner County | 19 | 11 | 0 | 0.0% |
| Washington County | 18 | 11 | 0 | 0.0% |
| Saline County | 11 | 6 | 1 | 9.1% |
| Garland County | 11 | 3 | 0 | 0.0% |
| Lonoke County | 7 | 3 | 2 | 28.6% |
| Craighead County | 5 | 3 | 0 | 0.0% |
| Van Buren County | 5 | 2 | 1 | 20.0% |
| Greene 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: 213 applications in 2025, of which 87 were originated and 12 denied.
5.6% of all applications, or 12.0% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans PHH Mortgage originated in Arkansas in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are PHH 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