Polaris Home Funding in Arkansas vs the state
22.2%Denial rate+4.03 pts vs state
31.6%Decision denial rate+8.45 pts vs state
29.6%Origination rate-27.20 pts vs state
6.38%Median rate-0.25 pts vs state
0.17Rate spread (pts)-0.17 pts vs state
$72kMedian applicant income
8Loans originated
6Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 22 | 14.3% | 6.25% | #193 |
| 2024 | 45 | 20 | 26.7% | 6.75% | #208 |
| 2025 | 27 | 8 | 22.2% | 6.38% | #258 |
What Polaris Home Funding lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Polaris Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 4 | 2 | 0 | 0.0% |
| Sebastian County | 3 | 0 | 1 | 33.3% |
| Faulkner County | 3 | 0 | 1 | 33.3% |
| Saline County | 2 | 2 | 0 | 0.0% |
| Lonoke County | 2 | 0 | 1 | 50.0% |
| Mississippi County | 2 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 1 | 100.0% |
| Clark County | 1 | 1 | 0 | 0.0% |
| Hempstead County | 1 | 0 | 0 | 0.0% |
| Franklin County | 1 | 0 | 1 | 100.0% |
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: 27 applications in 2025, of which 8 were originated and 6 denied.
22.2% of all applications, or 31.6% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Polaris Home Funding originated in Arkansas in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Polaris Home Funding'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