Union Home Mortgage in Arkansas vs the state
12.8%Denial rate-5.43 pts vs state
15.2%Decision denial rate-7.89 pts vs state
70.4%Origination rate+13.58 pts vs state
6.38%Median rate-0.25 pts vs state
0.12Rate spread (pts)-0.22 pts vs state
$96kMedian applicant income
138Loans originated
25Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 56 | 6.6% | 6.88% | #167 |
| 2024 | 76 | 48 | 10.5% | 6.93% | #167 |
| 2025 | 196 | 138 | 12.8% | 6.38% | #112 |
What Union Home Mortgage lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saline County | 22 | 10 | 3 | 13.6% |
| Garland County | 22 | 16 | 4 | 18.2% |
| Craighead County | 17 | 11 | 5 | 29.4% |
| Carroll County | 17 | 12 | 0 | 0.0% |
| Pulaski County | 16 | 11 | 3 | 18.8% |
| Washington County | 13 | 10 | 1 | 7.7% |
| Greene County | 11 | 9 | 2 | 18.2% |
| Faulkner County | 11 | 7 | 2 | 18.2% |
| Benton County | 9 | 8 | 0 | 0.0% |
| Boone County | 7 | 4 | 2 | 28.6% |
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: 196 applications in 2025, of which 138 were originated and 25 denied.
12.8% of all applications, or 15.2% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Union Home Mortgage originated in Arkansas in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Union Home 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