Arkansas Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 134,390 mortgage applications in Arkansas totaling $29.1 billion, up 9% from 2024. The average application was for $216,000, and applicants reported an average income of $118,000. 49% of applications resulted in an originated loan and 16% were denied. The most active lenders were Arvest Bank (9,757 applications), PennyMac Loan Services LLC and Arkansas Federal Credit Union.
See the top mortgage lenders in Arkansas, browse lending by metro area and by county, or see the mortgage lenders headquartered in Arkansas and Arkansas lenders by city.
Need in-depth lender data?
Download the Arkansas mortgage lender list: a formatted spreadsheet with aggregated HMDA statistics for all Arkansas based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Arkansas's mortgage market trends.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 134,390 |
| Total Mortgage Loan Application Amount | $29,056,485,000 |
| Average Mortgage Loan Application Amount | $216,000 |
| Highest Mortgage Loan Application Amount | $50,925,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $9,345,000 |
Top 25 Mortgage Lenders in Arkansas (2025)
Ranked by the number of mortgage applications each lender received for properties in Arkansas in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of Arkansas mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Arkansas.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Arvest Bank Tulsa, OK |
9,757 | $2,193,645,000 | $224,827 | $140,189 |
| 2 | PennyMac Loan Services LLC Westlake Village, CA |
5,632 | $1,345,850,000 | $238,964 | $116,947 |
| 3 | Arkansas Federal Credit Union Little Rock, AR |
4,400 | $582,470,000 | $132,379 | $119,012 |
| 4 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
3,505 | $408,765,000 | $116,623 | $70,050 |
| 5 | 21st Mortgage Knoxville, TN |
3,252 | $381,620,000 | $117,349 | $70,403 |
| 6 | Newrez LLC Fort Washington, PA |
3,054 | $777,440,000 | $254,564 | $120,264 |
| 7 | Mortgage Research Center Columbia, MO |
2,767 | $701,725,000 | $253,604 | $97,399 |
| 8 | Regions Bank Birmingham, AL |
2,646 | $325,890,000 | $123,163 | $111,220 |
| 9 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
2,634 | $705,430,000 | $267,817 | $130,811 |
| 10 | Firsttrust Home Loans Sheridan, AR |
2,590 | $534,870,000 | $206,513 | $95,888 |
| 11 | United Wholesale Mortgage Plymouth, MI |
2,469 | $675,885,000 | $273,748 | $108,968 |
| 12 | Freedom Mortgage Corporation Boca Raton, FL |
2,276 | $596,710,000 | $262,174 | $90,455 |
| 13 | Triad Financial Services, Inc. Jacksonville, FL |
2,132 | $254,250,000 | $119,254 | $73,237 |
| 14 | Centennial Bank Arkansas, AR |
2,104 | $541,290,000 | $257,267 | $123,897 |
| 15 | Planet Home Lending, LLC Meriden, CT |
1,961 | $441,895,000 | $225,341 | $97,232 |
| 16 | JPMorgan Chase Bank, NA Columbus, OH |
1,939 | $306,775,000 | $158,212 | $134,583 |
| 17 | Bank Ozk Little Rock, AR |
1,907 | $287,455,000 | $150,736 | $118,247 |
| 18 | Fairway Independent Mort Corp Madison, WI |
1,877 | $314,215,000 | $167,402 | $85,401 |
| 19 | Flat Branch Mortgage, Inc. Columbia, MO |
1,859 | $453,945,000 | $244,187 | $106,587 |
| 20 | First Community Bank Batesville, AR |
1,844 | $401,510,000 | $217,738 | $116,770 |
| 21 | First Security Bank Searcy, AR |
1,842 | $488,880,000 | $265,407 | $152,639 |
| 22 | Nationstar Mortgage Coppell, TX |
1,711 | $394,525,000 | $230,581 | $108,045 |
| 23 | Simmons Bank Pine Bluff, AR |
1,568 | $331,500,000 | $211,415 | $126,278 |
| 24 | US Bank, N.A. Cincinnati, OH |
1,526 | $218,080,000 | $142,909 | $112,885 |
| 25 | Cadence Bank Tupelo, MS |
1,406 | $286,750,000 | $203,947 | $160,493 |
The tables below break down 2025 mortgage applications in Arkansas by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Arkansas in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 75,047 | $18,463,985,000 | $246,000 | $50,925,000 | $121,000 | $9,345,000 |
| Cash-out Refinancing | 18,654 | $3,580,070,000 | $191,000 | $40,705,000 | $98,000 | $8,731,000 |
| Refinancing | 18,642 | $5,048,120,000 | $270,000 | $22,885,000 | $137,000 | $8,868,000 |
| Other Purpose | 12,366 | $1,104,320,000 | $89,000 | $40,355,000 | $112,000 | $8,898,000 |
| Home Improvement | 9,379 | $829,010,000 | $88,000 | $4,645,000 | $121,000 | $7,057,000 |
| Not Applicable | 302 | $30,980,000 | $102,000 | $3,485,000 | $61,000 | $231,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 77,206 | $15,337,170,000 | $198,000 | $4,505,000 | $121,000 | $9,345,000 |
| Not applicable | 21,867 | $6,798,630,000 | $310,000 | $50,925,000 | $134,000 | $2,743,000 |
| Not Provided | 12,009 | $2,522,515,000 | $210,000 | $7,105,000 | $125,000 | $8,731,000 |
| Black or African American | 10,467 | $1,612,405,000 | $154,000 | $4,005,000 | $85,000 | $5,706,000 |
| Hispanic | 8,175 | $1,524,405,000 | $186,000 | $1,965,000 | $95,000 | $3,000,000 |
| Asian | 3,132 | $954,940,000 | $304,000 | $2,155,000 | $171,000 | $5,400,000 |
| American Indian or Alaskan Native | 1,344 | $267,850,000 | $199,000 | $2,705,000 | $105,000 | $1,708,000 |
| Native Hawaiian or Other Pacific Islander | 184 | $37,820,000 | $205,000 | $1,485,000 | $93,000 | $507,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 91,451 | $19,001,300,000 | $207,000 | $50,925,000 | $129,000 | $9,240,000 |
| FHA-insured (Federal Housing Administration) | 23,738 | $5,074,000,000 | $213,000 | $7,425,000 | $85,000 | $8,731,000 |
| VA-guaranteed (Veterans Administration) | 15,006 | $4,270,910,000 | $284,000 | $1,805,000 | $100,000 | $5,410,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4,195 | $710,275,000 | $169,000 | $425,000 | $75,000 | $9,345,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 66,436 | $15,725,855,000 | $236,000 | $50,925,000 | $129,000 | $9,240,000 |
| Application Denied By Financial Institution | 21,121 | $3,068,835,000 | $145,000 | $16,415,000 | $85,000 | $8,898,000 |
| Loan Purchased By The Institution | 17,503 | $4,297,575,000 | $245,000 | $2,695,000 | $131,000 | $2,743,000 |
| Application Withdrawn By Applicant | 17,246 | $3,888,110,000 | $225,000 | $22,005,000 | $125,000 | $9,345,000 |
| File Closed For Incompleteness | 7,667 | $1,337,635,000 | $174,000 | $7,105,000 | $103,000 | $6,000,000 |
| Application Approved But Not Accepted | 4,211 | $681,715,000 | $161,000 | $3,825,000 | $108,000 | $2,184,000 |
| Preapproval Approved but not Accepted | 183 | $50,495,000 | $275,000 | $945,000 | $119,000 | $476,000 |
| Preapproval Denied by Financial Institution | 23 | $6,265,000 | $272,000 | $555,000 | $112,000 | $534,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 108,372 | $24,748,245,000 | $228,000 | $50,925,000 | $124,000 | $9,345,000 |
| Debt-To-Income Ratio | 10,372 | $2,119,640,000 | $204,000 | $15,005,000 | $98,000 | $7,104,000 |
| Credit History | 7,516 | $912,150,000 | $121,000 | $2,755,000 | $86,000 | $8,898,000 |
| Collateral | 2,695 | $415,495,000 | $154,000 | $7,495,000 | $107,000 | $6,452,000 |
| Credit Application Incomplete | 2,058 | $325,640,000 | $158,000 | $1,805,000 | $99,000 | $2,800,000 |
| Other | 1,742 | $234,980,000 | $134,000 | $1,465,000 | $99,000 | $3,545,000 |
| Unverifiable Information | 1,076 | $172,150,000 | $159,000 | $7,755,000 | $85,000 | $1,052,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 398 | $82,270,000 | $206,000 | $2,405,000 | $99,000 | $922,000 |
| Employment History | 159 | $45,305,000 | $284,000 | $16,415,000 | $69,000 | $420,000 |
| Mortgage Insurance Denied | 2 | $610,000 | $305,000 | $415,000 | $124,000 | $148,000 |
Mortgage Loan Application Totals in 2025 by Arkansas Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayetteville-Springdale-Rogers, AR-MO | 32,215 | $ 9,965,180,000 | $ 309,000 | $ 153,000 |
| Fort Smith, AR-OK | 7,558 | $ 1,434,180,000 | $ 189,000 | $ 106,000 |
| Hot Springs, AR | 5,161 | $ 1,095,345,000 | $ 212,000 | $ 113,000 |
| Jonesboro, AR | 5,796 | $ 1,130,080,000 | $ 194,000 | $ 115,000 |
| Little Rock-North Little Rock-Conway, AR | 37,259 | $ 8,139,385,000 | $ 218,000 | $ 121,000 |
Mortgage Loan Application Totals in 2025 by Arkansas County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Arkansas | 601 | $ 76,155,000 | $ 126,000 | $ 83,000 |
| Ashley | 544 | $ 68,280,000 | $ 125,000 | $ 82,000 |
| Baxter | 1,959 | $ 354,365,000 | $ 180,000 | $ 102,000 |
| Benton | 19,924 | $ 6,434,360,000 | $ 322,000 | $ 162,000 |
| Boone | 1,766 | $ 316,980,000 | $ 179,000 | $ 87,000 |
| Bradley | 196 | $ 26,740,000 | $ 136,000 | $ 80,000 |
| Calhoun | 215 | $ 26,415,000 | $ 122,000 | $ 79,000 |
| Carroll | 1,136 | $ 225,080,000 | $ 198,000 | $ 112,000 |
| Chicot | 196 | $ 24,250,000 | $ 123,000 | $ 87,000 |
| Clark | 762 | $ 105,480,000 | $ 138,000 | $ 88,000 |
| Clay | 504 | $ 64,270,000 | $ 127,000 | $ 94,000 |
| Cleburne | 1,345 | $ 266,785,000 | $ 198,000 | $ 135,000 |
| Cleveland | 260 | $ 35,970,000 | $ 138,000 | $ 81,000 |
| Columbia | 686 | $ 99,810,000 | $ 145,000 | $ 88,000 |
| Conway | 917 | $ 146,925,000 | $ 160,000 | $ 91,000 |
| Craighead | 4,886 | $ 1,007,210,000 | $ 206,000 | $ 120,000 |
| Crawford | 2,639 | $ 479,105,000 | $ 181,000 | $ 98,000 |
| Crittenden | 1,687 | $ 292,055,000 | $ 173,000 | $ 104,000 |
| Cross | 702 | $ 110,310,000 | $ 157,000 | $ 100,000 |
| Dallas | 174 | $ 20,580,000 | $ 118,000 | $ 80,000 |
| Desha | 212 | $ 27,020,000 | $ 127,000 | $ 83,000 |
| Drew | 353 | $ 52,215,000 | $ 147,000 | $ 85,000 |
| Faulkner | 6,472 | $ 1,436,800,000 | $ 222,000 | $ 116,000 |
| Franklin | 752 | $ 117,830,000 | $ 156,000 | $ 122,000 |
| Fulton | 379 | $ 64,395,000 | $ 169,000 | $ 84,000 |
| Garland | 5,161 | $ 1,095,345,000 | $ 212,000 | $ 113,000 |
| Grant | 976 | $ 174,650,000 | $ 178,000 | $ 111,000 |
| Greene | 1,960 | $ 337,090,000 | $ 171,000 | $ 93,000 |
| Hempstead | 586 | $ 76,470,000 | $ 130,000 | $ 77,000 |
| Hot Spring | 1,513 | $ 222,185,000 | $ 146,000 | $ 91,000 |
| Howard | 364 | $ 52,460,000 | $ 144,000 | $ 82,000 |
| Independence | 1,368 | $ 226,770,000 | $ 165,000 | $ 94,000 |
| Izard | 537 | $ 92,865,000 | $ 172,000 | $ 101,000 |
| Jackson | 424 | $ 51,590,000 | $ 121,000 | $ 84,000 |
| Jefferson | 1,959 | $ 278,905,000 | $ 142,000 | $ 84,000 |
| Johnson | 933 | $ 142,735,000 | $ 152,000 | $ 87,000 |
| Lafayette | 179 | $ 22,075,000 | $ 123,000 | $ 110,000 |
| Lawrence | 574 | $ 72,710,000 | $ 126,000 | $ 92,000 |
| Lee | 132 | $ 14,180,000 | $ 107,000 | $ 105,000 |
| Lincoln | 313 | $ 52,045,000 | $ 166,000 | $ 82,000 |
| Little River | 407 | $ 55,405,000 | $ 136,000 | $ 95,000 |
| Logan | 700 | $ 97,400,000 | $ 139,000 | $ 80,000 |
| Lonoke | 4,595 | $ 962,915,000 | $ 209,000 | $ 103,000 |
| Madison | 735 | $ 149,715,000 | $ 203,000 | $ 97,000 |
| Marion | 688 | $ 112,200,000 | $ 163,000 | $ 88,000 |
| Miller | 1,347 | $ 236,775,000 | $ 175,000 | $ 102,000 |
| Mississippi | 1,145 | $ 164,155,000 | $ 143,000 | $ 86,000 |
| Monroe | 146 | $ 16,240,000 | $ 111,000 | $ 65,000 |
| Montgomery | 341 | $ 54,595,000 | $ 160,000 | $ 108,000 |
| Nevada | 196 | $ 22,270,000 | $ 113,000 | $ 76,000 |
| Newton | 249 | $ 48,905,000 | $ 196,000 | $ 98,000 |
| Ouachita | 869 | $ 121,135,000 | $ 139,000 | $ 80,000 |
| Perry | 489 | $ 77,315,000 | $ 158,000 | $ 95,000 |
| Phillips | 289 | $ 31,045,000 | $ 107,000 | $ 76,000 |
| Pike | 317 | $ 41,805,000 | $ 131,000 | $ 98,000 |
| Poinsett | 910 | $ 122,870,000 | $ 135,000 | $ 88,000 |
| Polk | 767 | $ 134,035,000 | $ 174,000 | $ 109,000 |
| Pope | 2,296 | $ 376,650,000 | $ 164,000 | $ 94,000 |
| Prairie | 280 | $ 33,520,000 | $ 119,000 | $ 80,000 |
| Pulaski | 17,342 | $ 3,864,370,000 | $ 222,000 | $ 128,000 |
| Randolph | 648 | $ 89,760,000 | $ 138,000 | $ 97,000 |
| Saline | 7,385 | $ 1,623,335,000 | $ 219,000 | $ 124,000 |
| Scott | 322 | $ 47,300,000 | $ 146,000 | $ 82,000 |
| Searcy | 301 | $ 42,865,000 | $ 142,000 | $ 88,000 |
| Sebastian | 4,919 | $ 955,075,000 | $ 194,000 | $ 111,000 |
| Sevier | 432 | $ 57,970,000 | $ 134,000 | $ 82,000 |
| Sharp | 787 | $ 119,065,000 | $ 151,000 | $ 82,000 |
| St. Francis | 433 | $ 49,435,000 | $ 114,000 | $ 75,000 |
| Stone | 416 | $ 69,840,000 | $ 167,000 | $ 94,000 |
| Union | 1,334 | $ 206,130,000 | $ 154,000 | $ 103,000 |
| Van Buren | 921 | $ 143,045,000 | $ 155,000 | $ 95,000 |
| Washington | 11,556 | $ 3,381,105,000 | $ 292,000 | $ 142,000 |
| White | 3,777 | $ 642,185,000 | $ 170,000 | $ 100,000 |
| Woodruff | 137 | $ 18,715,000 | $ 136,000 | $ 86,000 |
| Yell | 668 | $ 95,880,000 | $ 143,000 | $ 94,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into Arkansas's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Arkansas's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About