Royal United Mortgage in Arkansas vs the state
21.6%Denial rate+3.45 pts vs state
27.4%Decision denial rate+4.23 pts vs state
53.7%Origination rate-3.10 pts vs state
6.88%Median rate+0.25 pts vs state
1.18Rate spread (pts)+0.84 pts vs state
$40kMedian applicant income
72Loans originated
29Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 69 | 33.1% | 6.88% | #120 |
| 2024 | 126 | 70 | 31.8% | 7.13% | #134 |
| 2025 | 134 | 72 | 21.6% | 6.88% | #134 |
What Royal United Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 14 | 10 | 1 | 7.1% |
| Benton County | 9 | 4 | 0 | 0.0% |
| Mississippi County | 8 | 5 | 2 | 25.0% |
| Sharp County | 5 | 3 | 1 | 20.0% |
| Washington County | 5 | 3 | 1 | 20.0% |
| Jefferson County | 5 | 1 | 4 | 80.0% |
| Garland County | 4 | 1 | 2 | 50.0% |
| Crawford County | 4 | 3 | 0 | 0.0% |
| Poinsett County | 4 | 2 | 1 | 25.0% |
| Craighead County | 3 | 2 | 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: 134 applications in 2025, of which 72 were originated and 29 denied.
21.6% of all applications, or 27.4% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Royal United Mortgage originated in Arkansas in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Royal United 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