Largest lenders in Hempstead County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 53 | 8 | 60.4% | 9.94% |
| 2 | Farmers Bank & Trust | C | 41 | 33 | 14.6% | 8.50% |
| 3 | Triad Financial Services | D | 41 | 3 | 63.4% | 10.08% |
| 4 | Vanderbilt Mortgage and Finance | F | 37 | 5 | 27.0% | 10.99% |
| 5 | Cadence Bank | B | 35 | 24 | 22.9% | 7.50% |
| 6 | Rocket Mortgage | C | 28 | 17 | 32.1% | 6.63% |
| 7 | Swbc Mortgage | A | 28 | 25 | 0.0% | 6.13% |
| 8 | Bank OZK | C | 22 | 8 | 50.0% | 6.13% |
| 9 | Diamond Bank | C | 19 | 15 | 5.3% | — |
| 10 | The First National Bank of Tom Bean | – | 18 | 14 | 5.6% | — |
| 11 | Red River Employees Federal Credit Union | C | 15 | 11 | 26.7% | — |
| 12 | Mortgage Research Center | C | 15 | 6 | 26.7% | 6.75% |
| 13 | United Built Homes | F | 13 | 3 | 38.5% | 8.99% |
| 14 | Pennymac Loan Services | C | 10 | 4 | 10.0% | 5.75% |
| 15 | Farm Credit Services of Western Arkansas, ACA | C | 9 | 8 | 11.1% | 6.68% |
| 16 | United Shore Financial Services | B | 9 | 4 | 22.2% | 6.25% |
| 17 | Loandepot.Com | D | 9 | 3 | 55.6% | 8.50% |
| 18 | Southwest Stage Funding | F | 9 | 3 | 0.0% | 7.90% |
| 19 | Coastal Community Bank | C | 9 | 0 | 0.0% | — |
| 20 | Regions Bank | C | 8 | 2 | 75.0% | 8.00% |
| 21 | Credit Human Federal Credit Union | D | 8 | 0 | 100.0% | — |
| 22 | AmeriSave Mortgage | D | 7 | 1 | 71.4% | 9.63% |
| 23 | Broker Solutions | D | 7 | 0 | 42.9% | — |
| 24 | ARKANSAS Federal Credit Union | F | 6 | 1 | 33.3% | 6.63% |
| 25 | Newrez | D | 6 | 0 | 16.7% | — |
What Hempstead County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hempstead County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 474 | 191 | 31.4% | 7.75% | $95,000 |
| 2024 | 458 | 204 | 31.9% | 7.20% | $105,000 |
| 2025 | 551 | 244 | 30.0% | 6.99% | $105,000 |
Frequently asked questions
30.0% of applications in Hempstead County were denied in 2025, against 18.2% statewide in Arkansas.
21st Mortgage, with 53 applications in 2025 and a denial rate of 60.4%.
The median mortgage application in Hempstead County in 2025 was for $105,000; the median property value on originated loans was $155,000.