Sierra Pacific Mortgage Company in Arkansas vs the state
12.9%Denial rate-5.29 pts vs state
26.7%Decision denial rate+3.54 pts vs state
29.0%Origination rate-27.80 pts vs state
6.63%Median rate0.00 pts vs state
0.06Rate spread (pts)-0.28 pts vs state
$129kMedian applicant income
9Loans originated
4Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 101 | 9.3% | 6.88% | #121 |
| 2024 | 86 | 73 | 3.5% | 6.63% | #160 |
| 2025 | 31 | 9 | 12.9% | 6.63% | #244 |
What Sierra Pacific Mortgage Company lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lonoke County | 13 | 2 | 0 | 0.0% |
| Pulaski County | 7 | 0 | 0 | 0.0% |
| Benton County | 6 | 4 | 2 | 33.3% |
| Faulkner County | 2 | 2 | 0 | 0.0% |
| Baxter County | 2 | 1 | 1 | 50.0% |
| Polk 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: 31 applications in 2025, of which 9 were originated and 4 denied.
12.9% of all applications, or 26.7% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Sierra Pacific Mortgage Company originated in Arkansas in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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