Mortgage Approval and Denial Rates in Arkansas (2025 HMDA)

Mortgage denial rates in Arkansas: lenders acted on 116,593 mortgage applications in Arkansas in 2025 and denied 18.1% of them, down from 20.0% in 2024. The national denial rate was 17.7%.

Applications acted on

116,593

Loans originated

66,394

Denial rate

18.1%

Median loan

$165,000

Arkansas against the national picture

Arkansas denial rate18.1%
National denial rate17.7%
Arkansas, 202420.0%

Most-reported denial reason in Arkansas: Credit history.

Counties ranked by denial rate

CountyApplicationsDenial rateMedian loan
Monroe County13951.8%$95,000
Chicot County18439.7%$110,000
Lafayette County17538.9%$95,000
St. Francis County39337.4%$105,000
Desha County19335.8%$105,000
Lee County12235.2%$85,000
Nevada County18634.4%$95,000
Prairie County25733.5%$95,000
Calhoun County19432.5%$105,000
Dallas County15332.0%$95,000
Bradley County18231.3%$105,000
Drew County32731.2%$135,000
Lincoln County29030.7%$105,000
Columbia County64230.5%$125,000
Woodruff County13030.0%$95,000
Hempstead County55129.9%$105,000
Cleveland County23929.3%$115,000
Ouachita County77629.0%$115,000
Hot Spring County1,37328.8%$125,000
Union County1,17527.7%$125,000
Clark County69127.1%$115,000
Lawrence County52426.5%$95,000
Cross County59126.1%$115,000
Phillips County25826.0%$85,000
Van Buren County83925.9%$125,000
Ashley County50025.8%$105,000
Perry County43725.4%$125,000
Yell County60224.8%$115,000
Jefferson County1,72624.7%$105,000
Scott County29524.4%$115,000
Howard County33124.2%$105,000
Franklin County66523.9%$125,000
Searcy County27723.8%$125,000
Pike County29723.6%$95,000
Conway County82423.3%$130,000
Montgomery County32323.2%$115,000
Garland County4,67223.1%$155,000
Mississippi County1,05623.0%$125,000
Arkansas County50722.3%$105,000
Randolph County59921.9%$115,000
Miller County1,22821.7%$135,000
Johnson County84521.7%$125,000
Grant County80421.3%$155,000
Stone County38021.3%$135,000
Logan County62420.5%$115,000
Crittenden County1,42420.4%$145,000
Jackson County36320.4%$105,000
Marion County63920.0%$135,000
Poinsett County79019.9%$105,000
Little River County36919.8%$105,000
White County3,17319.5%$135,000
Fulton County34619.4%$135,000
Polk County69419.3%$145,000
Newton County23019.1%$145,000
Cleburne County1,18318.6%$155,000
Crawford County2,29818.1%$135,000
Pope County1,99918.0%$135,000
Madison County66718.0%$165,000
Independence County1,15917.9%$135,000
Pulaski County15,05417.8%$155,000
Sevier County41017.8%$110,000
Saline County6,12317.5%$185,000
Clay County42717.3%$105,000
Carroll County1,05216.4%$165,000
Sebastian County4,32516.2%$145,000
Izard County48016.2%$145,000
Sharp County68915.8%$125,000
Faulkner County5,37415.4%$185,000
Craighead County4,22515.3%$165,000
Lonoke County3,72614.9%$185,000
Greene County1,70014.9%$145,000
Boone County1,54714.5%$155,000
Baxter County1,77514.3%$145,000
Washington County9,84913.4%$245,000
Benton County16,92712.1%$265,000

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Reading these numbers

The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.

Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.