Fayetteville-Springdale-Rogers
Metropolitan Statistical Area · MSA Code 22220
According to CFPB HMDA 2024 application volume among tracked metros, Fayetteville-Springdale-Rogers ranks #102 of 418.
Mortgage lending activity in the Fayetteville-Springdale-Rogers metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Fayetteville-Springdale-Rogers Metropolitan Statistical Area (MSA code 22220) recorded 28,565 HMDA-reported mortgage applications in 2024. Lenders originated 15,488 of those and denied others at a rate of 11.3%, for an approval (origination) rate of 54.2%. The average loan amount across the MSA was $291,194 at an average note rate of 7.16%. 20 major lenders are tracked for this metro - Arvest Bank, Rocket Mortgage, Flat Branch Mortgage, INC. lead by origination volume. Among the 418 metros tracked, Fayetteville-Springdale-Rogers ranks #22 by denial rate (the 95th percentile for approval-friendliness), and shares its 5-point denial-rate band with 117 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Fayetteville-Springdale-Rogers denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 11.3% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $291,194 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Fayetteville-Springdale-Rogers
In Fayetteville-Springdale-Rogers, lead originator Arvest Bank funded 20.2% of 15,488 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 29.8% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Fayetteville-Springdale-Rogers's 11.3% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Fayetteville-Springdale-Rogers's 28,565 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Fayetteville-Springdale-Rogers's $291,194 average loan (deduped against denial and volume peers).
Lenders active in the Fayetteville-Springdale-Rogers metro
Arvest Bank funded 3,127 of the 15,488 loans originated here, 20.2% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Arvest Bank | 3,127 | 4,578 | $261,514 | 20.2% |
| 2 | Rocket Mortgage | 901 | 1,184 | $268,851 | 5.8% |
| 3 | Flat Branch Mortgage, INC. | 587 | 744 | $306,720 | 3.8% |
| 4 | Centennial Bank | 497 | 792 | $329,141 | 3.2% |
| 5 | Lendlo Mortgage, LLC | 461 | 593 | $214,545 | 3.0% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Fayetteville-Springdale-Rogers borrowers.
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 Fayetteville-Springdale-Rogers 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.