United Built Homes in Arkansas vs the state
40.2%Denial rate+21.98 pts vs state
53.8%Decision denial rate+30.67 pts vs state
14.0%Origination rate-42.86 pts vs state
8.99%Median rate+2.37 pts vs state
—Rate spread (pts)
$95kMedian applicant income
32Loans originated
92Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 223 | 38 | 31.4% | 8.99% | #90 |
| 2024 | 248 | 38 | 35.1% | 8.99% | #86 |
| 2025 | 229 | 32 | 40.2% | 8.99% | #101 |
What United Built Homes lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most United Built Homes applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 36 | 6 | 12 | 33.3% |
| Miller County | 24 | 1 | 11 | 45.8% |
| Benton County | 24 | 1 | 4 | 16.7% |
| Pulaski County | 16 | 1 | 8 | 50.0% |
| Hempstead County | 13 | 3 | 5 | 38.5% |
| Saline County | 10 | 1 | 3 | 30.0% |
| Columbia County | 9 | 3 | 6 | 66.7% |
| Little River County | 8 | 3 | 3 | 37.5% |
| White County | 8 | 1 | 5 | 62.5% |
| Faulkner County | 7 | 1 | 5 | 71.4% |
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: 229 applications in 2025, of which 32 were originated and 92 denied.
40.2% of all applications, or 53.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans United Built Homes originated in Arkansas in 2025 was 8.99%, against a statewide median of 6.63%.
About this data. Figures are United Built Homes'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