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2024 data HMDA 2024 disclosure official source

Pulaski County

16,002 mortgage applications, 17.7% denial rate. Verify FIPS 05119 with U.S. Census Bureau →

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Arkansas · FIPS 05119

Local mortgage market. Pulaski County, Arkansas saw 16,002 HMDA-reported mortgage applications in 2024. Lenders originated 7,551 of those loans and denied 2,834, producing a denial rate of 17.7% and an approval (origination) rate of 47.2%. The average loan amount was $211,520 at an average note rate of 7.30%, with applicants self-reporting average annual income of $36K. 332 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 05119 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

16,002
Applications
7,551
Originated
17.7%
Denial Rate
47.2%
Approval Rate
$211,520
Avg Loan Amount
7.30%
Avg Interest Rate
$36K
Avg Applicant Income
5.9x
Loan-to-Income Ratio

Nearby Lenders in Pulaski County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Arkansas Federal Credit Union 716 9.5%
2 Arvest Bank 652 8.6%
3 Rocket Mortgage 376 5.0%
4 Regions Bank 223 3.0%
5 Simmons Bank 193 2.6%
Compare Arkansas Federal Credit Union vs Arvest Bank →

Frequently Asked Questions

How many mortgage applications were filed in Pulaski County?
In the 2024 HMDA reporting year, 16,002 mortgage applications were filed in Pulaski County, Arkansas. Of these, 7,551 were originated (approved and funded), while 2,834 were denied, resulting in a denial rate of 17.7%.
What is the mortgage denial rate in Pulaski County?
The mortgage denial rate in Pulaski County is 17.7%. The approval (origination) rate is 47.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pulaski County?
The average mortgage loan amount in Pulaski County is $211,520. The average interest rate is 7.303%. The average applicant income is $36K.
What is the loan-to-income ratio in Pulaski County?
The average loan-to-income ratio in Pulaski County is 5.9x, meaning borrowers took on loans averaging 5.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pulaski County?
The top mortgage lenders in Pulaski County by origination volume are Arkansas Federal Credit Union, Arvest Bank, Rocket Mortgage. In total, 332 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.