Franklin County, AR Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 752 mortgage applications in Franklin County, AR totaling $117.8 million, up 16% from 2024. The average application was for $156,000, and applicants reported an average income of $122,000. 49% of applications resulted in an originated loan and 21% were denied. The most active lender was Bank Ozk, with 58 applications, followed by Arvest Bank and 21st Mortgage.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 752
Total Mortgage Loan Application Amount $117,830,000
Average Mortgage Loan Application Amount $156,000
Highest Mortgage Loan Application Amount $705,000
Average Applicant Income $122,000
Highest Applicant Income $4,309,000

Mortgage Company List for Lending in Franklin County, AR for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ n/a 58 $ 6,030,000
Arvest Bank

TULSA, OK 74103
* $ n/a 44 $ 5,420,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 41 $ 4,885,000
Union Bank
303 HIGHWAY 71 N
MENA, AR 71953
* $ n/a 33 $ 4,935,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 28 $ 3,090,000
Priority Bank
3401 E MISSION BLVD
FAYETTEVILLE, AR 72703
* $ n/a 28 $ 5,120,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 28 $ 5,630,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 23 $ 3,035,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 20 $ 4,800,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ n/a 19 $ 3,665,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 18 $ 2,050,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 17 $ 1,965,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 16 $ 1,920,000
Farm Credit Services of Western Arkansas
3115 WEST SECOND COURT
RUSSELLVILLE, AR 72802
* $ n/a 16 $ 3,510,000
Firstar Bank
1720 E CHEROKEE AVE
SALLISAW, OK 74955
* $ n/a 15 $ 3,925,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 15 $ 2,875,000
Arkansas Federal Credit Union
17500 CANTRELL
LITTLE ROCK, AR 72223
* $ n/a 12 $ 960,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ n/a 11 $ 1,655,000
First National Bank of Fort Smith
602 GARRISON AVE
FORT SMITH, AR 72901
* $ n/a 10 $ 1,370,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 10 $ 1,620,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 9 $ 1,585,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 9 $ 1,935,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 9 $ 1,495,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 8 $ 1,070,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 8 $ 970,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 8 $ 2,160,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 8 $ 1,850,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 8 $ 1,310,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 7 $ 485,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 7 $ 1,335,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 7 $ 825,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 6 $ 1,690,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 6 $ 210,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 6 $ 510,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 5 $ 795,000
Farmers Bank
71 WEST CENTER
GREENWOOD, AR 72936
* $ n/a 5 $ 775,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 5 $ 765,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 4 $ 530,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 900,000
Generations Bank
1325 HWY 278 BYPASS
ROGERS, AR 72758
* $ n/a 4 $ 980,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 4 $ 270,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 420,000
First Western Mortgage
80 W MAIN ST
BOONEVILLE, AR 72927
* $ n/a 4 $ 410,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 3 $ 1,075,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 335,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 3 $ 545,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 3 $ 905,000
Signature Bank of Arkansas
3878 N CROSSOVER ROAD STE 20
FAYETTEVILLE, AR 72703
* $ n/a 3 $ 495,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 725,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 3 $ 505,000
First Security Bank
PO BOX 938
SEARCY, AR 72143
* $ n/a 3 $ 415,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 3 $ 875,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 465,000
First Financial Bank
214 N WASHINGTON STREET
EL DORADO, AR 71730
* $ n/a 2 $ 240,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 2 $ 190,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 2 $ 150,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 2 $ 740,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 230,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 2 $ 680,000
Partners Bank
PARTNERS BANK BUILDING, 302 CHERRY ST
HELENA, AR 72342
* $ n/a 2 $ 190,000
Today's Bank
300 NORTH COLLEGE AVENUE
FAYETTEVILLE, AR 72701
* $ n/a 2 $ 90,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ n/a 2 $ 170,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 450,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 310,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 2 $ 910,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 2 $ 470,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 2 $ 280,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 430,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 175,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 225,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ n/a 1 $ 15,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ n/a 1 $ 25,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ n/a 1 $ 205,000
First Community Bank
1325 HARRISON STREET
BATESVILLE, AR 72501
* $ n/a 1 $ 295,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 155,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 185,000
Encore Bank
1801 RAHLING RD
LITTLE ROCK, AR 72223
* $ n/a 1 $ 395,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 155,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 135,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 355,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 225,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 105,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 55,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 55,000
Operating Engineers Federal Credit Union
250 N CANYONS PARKWAY
LIVERMORE, CA 94551
* $ n/a 1 $ 65,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 85,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 225,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 1 $ 275,000
Citizens Bank & Trust Company
PO BOX 469
VAN BUREN, AR 72956
* $ n/a 1 $ 45,000
Armstrong Bank
1111 W BROADWAY
MUSKOGEE, OK 74401
* $ n/a 1 $ 115,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 345,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 95,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 305,000
American Mortgage Bank
3401 NW 63RD SUITE 620
OKLAHOMA CITY, OK 73116
* $ n/a 1 $ 165,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 1 $ 185,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 1 $ 655,000
Telcoe Federal Credit Union
PO BOX 34200
LITTLE ROCK, AR 72201
* $ n/a 1 $ 125,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 165,000
Southern Bancorp Bank
601 MAIN STREET
ARKADELPHIA, AR 71923
* $ n/a 1 $ 45,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 1 $ 195,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 35,000
First State Bank
3103 E MAIN ST
RUSSELLVILLE, AR 72802
* $ n/a 1 $ 85,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 1 $ 35,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 455,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ n/a 1 $ 165,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ n/a 1 $ 85,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 245,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ n/a 1 $ 225,000

The tables below break down 2025 mortgage applications in Franklin County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Franklin County, AR 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 416 $70,640,000 $169,000 $705,000 $145,000 $4,309,000
Cash-out Refinancing 116 $19,770,000 $170,000 $705,000 $102,000 $2,280,000
Refinancing 96 $18,450,000 $192,000 $675,000 $102,000 $319,000
Other Purpose 64 $4,420,000 $69,000 $215,000 $80,000 $829,000
Home Improvement 60 $4,550,000 $75,000 $395,000 $92,000 $344,000
Not Applicable 0 $0 $0 $0 $0 $0

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 566 $84,090,000 $148,000 $675,000 $122,000 $4,309,000
Not applicable 96 $19,150,000 $199,000 $705,000 $85,000 $87,000
Not Provided 55 $8,925,000 $162,000 $595,000 $137,000 $3,017,000
Hispanic 17 $2,445,000 $143,000 $325,000 $68,000 $147,000
American Indian or Alaskan Native 8 $1,310,000 $163,000 $325,000 $73,000 $143,000
Asian 8 $1,430,000 $178,000 $705,000 $177,000 $563,000
Black or African American 2 $480,000 $240,000 $305,000 $89,000 $117,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 471 $61,855,000 $131,000 $705,000 $129,000 $4,020,000
FHA-insured (Federal Housing Administration) 132 $22,690,000 $171,000 $515,000 $133,000 $4,309,000
VA-guaranteed (Veterans Administration) 92 $24,680,000 $268,000 $705,000 $92,000 $232,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 57 $8,605,000 $150,000 $285,000 $63,000 $106,000

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 365 $58,585,000 $160,000 $705,000 $129,000 $4,309,000
Application Denied By Financial Institution 159 $18,955,000 $119,000 $515,000 $84,000 $2,280,000
Loan Purchased By The Institution 87 $18,025,000 $207,000 $655,000 $83,000 $140,000
Application Withdrawn By Applicant 80 $13,620,000 $170,000 $665,000 $206,000 $2,600,000
File Closed For Incompleteness 46 $5,940,000 $129,000 $455,000 $83,000 $250,000
Application Approved But Not Accepted 15 $2,705,000 $180,000 $455,000 $79,000 $135,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

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 547 $92,345,000 $168,000 $705,000 $137,000 $4,309,000
Debt-To-Income Ratio 82 $10,680,000 $130,000 $385,000 $79,000 $319,000
Credit History 58 $5,920,000 $102,000 $285,000 $66,000 $179,000
Collateral 29 $3,885,000 $133,000 $505,000 $164,000 $2,280,000
Credit Application Incomplete 13 $1,515,000 $116,000 $285,000 $62,000 $143,000
Other 10 $1,240,000 $124,000 $355,000 $101,000 $414,000
Unverifiable Information 7 $865,000 $123,000 $205,000 $70,000 $221,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,185,000 $237,000 $515,000 $114,000 $233,000
Employment History 1 $195,000 $195,000 $195,000 $92,000 $92,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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