United Shore Financial Services in Arkansas vs the state
13.3%Denial rate-4.88 pts vs state
15.7%Decision denial rate-7.46 pts vs state
69.1%Origination rate+12.23 pts vs state
6.12%Median rate-0.50 pts vs state
-0.01Rate spread (pts)-0.35 pts vs state
$86kMedian applicant income
1,696Loans originated
327Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 890 | 687 | 9.2% | 6.75% | #27 |
| 2024 | 1,531 | 1,123 | 11.4% | 6.25% | #15 |
| 2025 | 2,456 | 1,696 | 13.3% | 6.12% | #9 |
What United Shore Financial Services lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 482 | 362 | 52 | 10.8% |
| Pulaski County | 335 | 236 | 39 | 11.6% |
| Washington County | 155 | 108 | 18 | 11.6% |
| Saline County | 152 | 119 | 16 | 10.5% |
| Garland County | 129 | 86 | 19 | 14.7% |
| Craighead County | 125 | 83 | 24 | 19.2% |
| Faulkner County | 114 | 73 | 22 | 19.3% |
| Lonoke County | 84 | 58 | 4 | 4.8% |
| Sebastian County | 68 | 49 | 11 | 16.2% |
| White County | 59 | 43 | 8 | 13.6% |
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% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
| Centennial Bank | D | 2,104 | 16.1% | 6.63% |
Frequently asked questions
Arkansas: 2,456 applications in 2025, of which 1,696 were originated and 327 denied.
13.3% of all applications, or 15.7% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans United Shore Financial Services originated in Arkansas in 2025 was 6.12%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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