Lincoln County, AR Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 313 mortgage applications in Lincoln County, AR totaling $52.0 million, up 8% from 2024. The average application was for $166,000, and applicants reported an average income of $82,000. 34% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 39 applications, followed by Fairway Independent Mort Corp and Vanderbilt Mortgage and Finance, Inc.
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| 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 | 313 |
| Total Mortgage Loan Application Amount | $52,045,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $11,625,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $784,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 39 | $ 5,035,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 38 | $ 5,100,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 36 | $ 3,770,000 |
| Connect Bank PO BOX 69 STAR CITY, AR 71667 |
* | $ n/a | 33 | $ 2,725,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 14 | $ 1,540,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 11 | $ 1,635,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 10 | $ 870,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 7 | $ 1,695,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 6 | $ 270,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ n/a | 6 | $ 990,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 6 | $ 590,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,320,000 |
| Relyance Bank 912 SOUTH POPLAR STREET WHITE HALL, AR 71602 |
* | $ n/a | 6 | $ 360,000 |
| Arkansas Federal Credit Union 17500 CANTRELL LITTLE ROCK, AR 72223 |
* | $ n/a | 5 | $ 255,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 375,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 1,065,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 650,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 830,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 4 | $ 1,270,000 |
| Cotton Belt Federal Credit Union 1703 RIVER PINES BLVD PINE BLUFF, AR 71601 |
* | $ n/a | 4 | $ 280,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 750,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 490,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 3 | $ 445,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 65,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ n/a | 3 | $ 385,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 430,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 2 | $ 600,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ n/a | 2 | $ 460,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 70,000 |
| Ameritrust Mortgage Corporation FLOWER MOUND, TX 75022 |
* | $ n/a | 2 | $ 290,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 360,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 305,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 175,000 |
| Stone Bank 900 S SHACKLEFORD RD #210 LITTLE ROCK, AR 72211 |
* | $ n/a | 1 | $ 95,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 135,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 65,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 105,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 235,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 195,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 195,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 1 | $ 135,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 95,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 355,000 |
| Orion Federal Credit Union 7845 HIGHWAY 64 MEMPHIS, TN 38103 |
* | $ n/a | 1 | $ 115,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 185,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 45,000 |
| Agheritage Farm Credit Services, Flca 119 E 3RD ST LITTLE ROCK, AR 72201 |
* | $ n/a | 1 | $ 95,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 225,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 25,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 55,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 245,000 |
| Merchants and Farmers Bank 500 HIGHWAY 65 S DUMAS, AR 71639 |
* | $ n/a | 1 | $ 65,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ n/a | 1 | $ 75,000 |
| Chambers Bank 901 MAIN STREET DANVILLE, AR 72833 |
* | $ n/a | 1 | $ 275,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ n/a | 1 | $ 11,625,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 235,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ n/a | 1 | $ 175,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 305,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 215,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 305,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2025 mortgage applications in Lincoln 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 Lincoln 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 | 212 | $27,710,000 | $130,000 | $425,000 | $76,000 | $784,000 |
| Refinancing | 32 | $17,510,000 | $547,000 | $11,625,000 | $108,000 | $375,000 |
| Cash-out Refinancing | 28 | $4,730,000 | $168,000 | $355,000 | $103,000 | $460,000 |
| Home Improvement | 21 | $1,105,000 | $52,000 | $305,000 | $91,000 | $173,000 |
| Other Purpose | 20 | $990,000 | $49,000 | $105,000 | $81,000 | $167,000 |
| 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 | 211 | $29,335,000 | $139,000 | $475,000 | $87,000 | $784,000 |
| Black or African American | 46 | $4,470,000 | $97,000 | $185,000 | $58,000 | $460,000 |
| Not applicable | 25 | $15,155,000 | $606,000 | $11,625,000 | $0 | $0 |
| Not Provided | 18 | $2,270,000 | $126,000 | $325,000 | $98,000 | $265,000 |
| Hispanic | 13 | $815,000 | $62,000 | $105,000 | $64,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 221 | $35,515,000 | $160,000 | $11,625,000 | $85,000 | $784,000 |
| FHA-insured (Federal Housing Administration) | 52 | $9,120,000 | $175,000 | $405,000 | $69,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,575,000 | $217,000 | $465,000 | $99,000 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,835,000 | $149,000 | $265,000 | $61,000 | $109,000 |
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 | 105 | $25,685,000 | $244,000 | $11,625,000 | $87,000 | $365,000 |
| Application Denied By Financial Institution | 89 | $10,125,000 | $113,000 | $345,000 | $68,000 | $265,000 |
| Application Withdrawn By Applicant | 40 | $5,830,000 | $145,000 | $465,000 | $107,000 | $784,000 |
| File Closed For Incompleteness | 37 | $4,545,000 | $122,000 | $355,000 | $77,000 | $460,000 |
| Loan Purchased By The Institution | 23 | $3,485,000 | $151,000 | $475,000 | $0 | $0 |
| Application Approved But Not Accepted | 19 | $2,375,000 | $125,000 | $285,000 | $81,000 | $155,000 |
| 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 | 191 | $38,925,000 | $203,000 | $11,625,000 | $85,000 | $784,000 |
| Debt-To-Income Ratio | 58 | $5,680,000 | $97,000 | $305,000 | $82,000 | $289,000 |
| Credit History | 44 | $4,860,000 | $110,000 | $315,000 | $73,000 | $167,000 |
| Unverifiable Information | 6 | $630,000 | $105,000 | $165,000 | $59,000 | $78,000 |
| Collateral | 6 | $960,000 | $160,000 | $345,000 | $82,000 | $144,000 |
| Credit Application Incomplete | 4 | $510,000 | $127,000 | $325,000 | $104,000 | $265,000 |
| Other | 2 | $280,000 | $140,000 | $145,000 | $79,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $105,000 | $78,000 | $103,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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