AR · Statewide HMDA 2024
Arkansas mortgage lending
According to the CFPB HMDA 2024 Snapshot, 679 reporting lenders · 75 counties · 7 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Arkansas ranks #31 of 54 by application volume but #47 of 52 states with 10,000+ applications on origination share (47.9%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #47
- Origination-share rank of 52
- 47.9%
- Origination share
- 59,080
- Originated
- 17.4%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
123,327reported applications
CFPB HMDA state filing plate
State AR · Arkansas 17.4% denial
VOL-LIGHT · DEN-MID · NEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-LIGHT #31/54
- DEN-MID 17.4%
- NEAR-PEER District of Colu…
- ORIG-FLOOR 47.9%
- BOOK-FULL 679 lenders
- LEAD-MIX 11% top
Photo-finish peer: District of Columbia · 17.4% denial (+0.1pp vs Arkansas)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Arkansas
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Arkansas: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (17.4% here).
Similar application volume
Nearest states by HMDA applications filed (123,327 here).
Top lenders by originations · Arkansas
Funded loans among HMDA-reporting institutions active in this state.
Where Arkansas sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
123,327 43rd percentile higher than 43% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Arkansas
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Arkansas filed 123,327 HMDA-reported applications in 2024 (#31 of 54 by volume) with a 17.4% denial rate - near the national 17.2% baseline. White applicants (75,229 apps) show 18.4% denial; Black or African American applicants (10,007 apps) show 34.4% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Arkansas
Top HMDA-reporting lenders active in Arkansas. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Arvest Bank | 6,403 | 10.8% |
| 2 | Rocket Mortgage | 3,464 | 5.9% |
| 3 | Arkansas Federal Credit Union | 2,416 | 4.1% |
| 4 | First Security Bank | 1,322 | 2.2% |
| 5 | Centennial Bank | 1,281 | 2.2% |
Reported outcomes by applicant race in Arkansas
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 75,229 | 56.1% | 18.4% |
| Black or African American | 10,007 | 39.0% | 34.4% |
| Asian | 3,120 | 56.4% | 12.8% |
| Joint | 2,090 | 56.3% | 19.6% |
| American Indian or Alaska Native | 931 | 47.3% | 25.4% |
| 2 or more minority races | 193 | 42.5% | 33.2% |
| Native Hawaiian or Other Pacific Islander | 187 | 51.3% | 26.7% |
Every county in Arkansas, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Benton County | 17,506 | 9,449 | 10.7% | $294,901 |
| Pulaski County | 16,002 | 7,551 | 17.7% | $211,520 |
| Washington County | 10,419 | 5,706 | 12.2% | $288,999 |
| Saline County | 6,956 | 3,243 | 17.0% | $200,574 |
| Faulkner County | 6,109 | 3,002 | 14.9% | $205,503 |
| Garland County | 4,679 | 2,122 | 22.0% | $188,385 |
| Sebastian County | 4,549 | 2,438 | 15.0% | $179,973 |
| Craighead County | 4,421 | 2,308 | 14.3% | $189,992 |
| Lonoke County | 4,069 | 1,831 | 15.3% | $190,576 |
| White County | 3,478 | 1,474 | 18.7% | $166,015 |
| Crawford County | 2,507 | 1,305 | 16.8% | $162,806 |
| Pope County | 2,193 | 1,154 | 18.7% | $155,132 |
| Jefferson County | 1,869 | 698 | 24.7% | $127,873 |
| Baxter County | 1,703 | 970 | 12.6% | $174,096 |
| Greene County | 1,696 | 903 | 14.3% | $155,483 |
| Crittenden County | 1,594 | 603 | 18.7% | $193,764 |
| Boone County | 1,468 | 792 | 13.9% | $161,832 |
| Hot Spring County | 1,445 | 526 | 26.4% | $141,159 |
| Miller County | 1,344 | 603 | 21.2% | $169,397 |
| Cleburne County | 1,335 | 596 | 19.0% | $192,805 |
| Independence County | 1,254 | 620 | 16.4% | $171,579 |
| Union County | 1,250 | 412 | 31.5% | $133,880 |
| Mississippi County | 1,023 | 454 | 23.2% | $132,634 |
| Carroll County | 996 | 577 | 13.6% | $210,020 |
| Grant County | 917 | 294 | 21.8% | $170,507 |
| Johnson County | 858 | 449 | 19.8% | $139,592 |
| Van Buren County | 841 | 363 | 24.1% | $155,690 |
| Conway County | 840 | 328 | 27.4% | $141,869 |
| Poinsett County | 822 | 397 | 19.6% | $124,672 |
| Ouachita County | 763 | 254 | 29.4% | $117,608 |
| Sharp County | 746 | 364 | 17.8% | $135,241 |
| Clark County | 714 | 306 | 26.3% | $137,479 |
| Logan County | 664 | 304 | 23.3% | $136,702 |
| Franklin County | 651 | 311 | 19.4% | $144,124 |
| Madison County | 639 | 332 | 16.4% | $182,793 |
| Polk County | 630 | 324 | 17.1% | $157,143 |
| Marion County | 628 | 319 | 15.9% | $159,347 |
| Columbia County | 628 | 229 | 31.4% | $148,822 |
| Yell County | 613 | 286 | 23.5% | $137,838 |
| Arkansas County | 564 | 201 | 19.7% | $117,465 |
| Randolph County | 563 | 275 | 22.4% | $126,083 |
| Lawrence County | 536 | 248 | 21.5% | $123,190 |
| Cross County | 521 | 189 | 21.5% | $140,125 |
| Hempstead County | 503 | 204 | 29.0% | $117,187 |
| Ashley County | 502 | 176 | 30.5% | $109,960 |
| Izard County | 472 | 224 | 17.8% | $165,064 |
| Clay County | 454 | 197 | 22.9% | $110,969 |
| Perry County | 432 | 158 | 27.1% | $147,269 |
| Stone County | 415 | 195 | 22.2% | $166,036 |
| Little River County | 410 | 216 | 19.3% | $125,659 |
| St. Francis County | 401 | 132 | 25.9% | $115,723 |
| Jackson County | 378 | 151 | 22.8% | $115,026 |
| Sevier County | 375 | 215 | 17.1% | $121,773 |
| Drew County | 374 | 139 | 29.7% | $141,872 |
| Howard County | 341 | 136 | 20.5% | $135,616 |
| Montgomery County | 333 | 154 | 26.7% | $145,571 |
| Fulton County | 327 | 163 | 17.4% | $146,957 |
| Pike County | 319 | 130 | 25.7% | $143,182 |
| Scott County | 294 | 138 | 22.1% | $124,388 |
| Lincoln County | 291 | 88 | 33.3% | $116,615 |
| Cleveland County | 277 | 101 | 24.2% | $132,004 |
| Phillips County | 275 | 86 | 34.2% | $112,709 |
| Prairie County | 254 | 104 | 29.9% | $117,638 |
| Bradley County | 250 | 68 | 33.2% | $118,360 |
| Searcy County | 235 | 108 | 20.9% | $127,596 |
| Chicot County | 229 | 59 | 42.8% | $115,611 |
| Newton County | 225 | 125 | 12.4% | $162,467 |
| Dallas County | 217 | 71 | 35.9% | $107,811 |
| Lafayette County | 196 | 64 | 37.2% | $128,929 |
| Calhoun County | 195 | 62 | 29.7% | $114,436 |
| Nevada County | 192 | 60 | 32.3% | $102,031 |
| Desha County | 186 | 64 | 33.3% | $111,720 |
| Monroe County | 150 | 43 | 38.0% | $106,933 |
| Woodruff County | 128 | 44 | 29.7% | $110,078 |
| Lee County | 114 | 38 | 24.6% | $102,368 |
Metro Areas in Arkansas
Frequently Asked Questions
How many mortgage applications were filed in Arkansas?
Where does Arkansas sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Arkansas?
What is the average mortgage loan amount in Arkansas?
How many mortgage lenders operate in Arkansas?
How do mortgage denial rates vary by demographics in Arkansas?
Which counties in Arkansas have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.