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Pulaski County, Arkansas · 2025

Mortgage lenders in Pulaski County, AR: denial rates and top lenders (2025)

396 lenders acted on 15,065 mortgage applications for properties in Pulaski County in 2025. 17.8% were denied (Arkansas: 18.2%). Median rate on closed loans 6.63%; median loan $155,000; median property value $255,000.

15kApplications
17.8%Denial ratestate 18.2%
6.63%Median ratestate 6.63%
$155,000Median loan
$255,000Median property value

Largest lenders in Pulaski County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 ARKANSAS Federal Credit Union F 1,220649 21.8%7.50%
2 Arvest Bank C 978661 16.3%6.88%
3 Rocket Mortgage C 634423 23.3%6.63%
4 Regions Bank C 565237 39.7%6.00%
5 Bank OZK C 511307 22.1%6.50%
6 Mortgage Research Center C 377169 18.6%6.25%
7 United Shore Financial Services B 335236 11.6%6.07%
8 First Horizon Bank B 325215 16.9%6.50%
9 U.S. Bank D 302106 47.0%7.74%
10 Firsttrust Home Loans B 296242 0.7%6.50%
11 Eagle Bank and Trust A 292211 5.5%6.50%
12 Pennymac Loan Services C 285135 8.4%6.50%
13 Encore Bank C 256147 18.4%6.63%
14 Bank of Little Rock Mortgage B 253184 4.4%6.50%
15 Bank of America F 252108 36.9%6.31%
16 Simmons Bank C 247141 26.3%6.13%
17 Flat Branch Mortgage A 245176 0.4%6.38%
18 Centennial Bank D 242134 18.6%6.88%
19 Crosscountry Mortgage B 238158 4.6%6.54%
20 Cadence Bank B 236152 15.7%6.75%
21 Freedom Mortgage B 23397 8.6%6.13%
22 Newrez D 21763 19.4%6.38%
23 First Community Bank C 216168 1.4%7.80%
24 First Security Bank C 213176 5.6%7.50%
25 Guaranteed Rate B 193140 1.6%6.43%

Best approval odds in Pulaski County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Flat Branch Mortgage1840.5%
2Eustis Mortgage1570.6%
3Firsttrust Home Loans2440.8%
4Highlands Residential Mortgage751.3%
5First Community Bank1711.8%
6Central Bank502.0%
7Guaranteed Rate1482.0%
8Coastal Community Bank962.1%
9T2 Financial812.5%
10First Service Bank603.3%

What Pulaski County borrowers applied for

By loan purpose

Home purchase 7,463 50% · 10.0% denied
Refinance 2,312 15% · 13.1% denied
Cash-out refinance 2,092 14% · 27.2% denied
Home improvement 1,518 10% · 35.1% denied
Other / HELOC 1,680 11% · 32.1% denied

By loan type

Conventional 10,663 71% · 19.0% denied
FHA 2,425 16% · 17.4% denied
VA 1,925 13% · 12.7% denied
USDA / RHS 52 0% · 1.9% denied

Why applications were denied

Credit history 887 33%
Debt-to-income ratio 703 26%
Collateral 360 13%
Other 289 11%
Incomplete application 248 9%
Unverifiable information 123 5%
Insufficient cash 43 2%
Employment history 25 1%

Pulaski County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202312,6126,92820.2%7.00%$145,000
202414,1037,62820.2%6.88%$145,000
202515,0658,51517.8%6.63%$155,000

Frequently asked questions

17.8% of applications in Pulaski County were denied in 2025, against 18.2% statewide in Arkansas.

ARKANSAS Federal Credit Union, with 1,220 applications in 2025 and a denial rate of 21.8%.

The median mortgage application in Pulaski County in 2025 was for $155,000; the median property value on originated loans was $255,000.