T2 Financial in Arkansas vs the state
4.0%Denial rate-14.19 pts vs state
4.5%Decision denial rate-18.64 pts vs state
79.4%Origination rate+22.60 pts vs state
6.63%Median rate0.00 pts vs state
0.52Rate spread (pts)+0.18 pts vs state
$91kMedian applicant income
278Loans originated
14Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 153 | 121 | 5.2% | 6.63% | #117 |
| 2025 | 350 | 278 | 4.0% | 6.63% | #71 |
What T2 Financial lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 98 | 72 | 2 | 2.0% |
| Benton County | 51 | 40 | 3 | 5.9% |
| Saline County | 36 | 28 | 1 | 2.8% |
| Faulkner County | 31 | 28 | 1 | 3.2% |
| Lonoke County | 28 | 26 | 0 | 0.0% |
| Sebastian County | 14 | 10 | 1 | 7.1% |
| Craighead County | 14 | 13 | 1 | 7.1% |
| Washington County | 14 | 12 | 1 | 7.1% |
| White County | 13 | 10 | 2 | 15.4% |
| Garland County | 9 | 8 | 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: 350 applications in 2025, of which 278 were originated and 14 denied.
4.0% of all applications, or 4.5% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans T2 Financial originated in Arkansas in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are T2 Financial'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