Spring Eq in Arkansas vs the state
50.3%Denial rate+32.08 pts vs state
60.7%Decision denial rate+37.53 pts vs state
30.4%Origination rate-26.41 pts vs state
9.58%Median rate+2.95 pts vs state
3.63Rate spread (pts)+3.29 pts vs state
$99kMedian applicant income
167Loans originated
276Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 392 | 104 | 58.2% | 10.88% | #59 |
| 2024 | 493 | 144 | 50.3% | 9.76% | #50 |
| 2025 | 549 | 167 | 50.3% | 9.58% | #46 |
What Spring Eq lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Spring Eq applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 102 | 36 | 43 | 42.2% |
| Pulaski County | 66 | 23 | 34 | 51.5% |
| Washington County | 63 | 19 | 26 | 41.3% |
| Saline County | 33 | 7 | 18 | 54.5% |
| Faulkner County | 26 | 10 | 10 | 38.5% |
| Jefferson County | 22 | 4 | 15 | 68.2% |
| Garland County | 22 | 7 | 12 | 54.5% |
| Craighead County | 15 | 5 | 9 | 60.0% |
| Sebastian County | 14 | 7 | 5 | 35.7% |
| White County | 12 | 4 | 6 | 50.0% |
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: 549 applications in 2025, of which 167 were originated and 276 denied.
50.3% of all applications, or 60.7% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Spring Eq originated in Arkansas in 2025 was 9.58%, against a statewide median of 6.63%.
About this data. Figures are Spring Eq'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