Arkansas · HMDA 2025
Mortgage lenders in Howard County, AR
71 lenders reported 364 home-loan applications in Howard County in 2025. 147 closed as loans ($19.2M), 80 were denied — a 32.0% denial rate on decided applications, above the Arkansas rate of 23.0%. The three most active lenders handled 24% of applications, led by 21st Mortgage Corporation. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 364
- Loans originated
- 147
- Purchase / refinance
- 82 / 44
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Howard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 31 | 8.5% | — |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 29 | 8.0% | — |
| 3 | Diamond Bank 69 out of 100, Moderate | 27 | 7.4% | 9.9% |
| 4 | FIRSTTRUST HOME LOANS, INC. | 25 | 6.9% | — |
| 5 | Farmers Bank & Trust Company 61 out of 100, Moderate | 23 | 6.3% | 6.9% |
| 6 | Rocket Mortgage, LLC | 22 | 6.0% | — |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 20 | 5.5% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 14 | 3.8% | — |
| 9 | RED RIVER EMPLOYEES FEDERAL CREDIT UNION 77 out of 100, Strong | 12 | 3.3% | 19.0% |
| 10 | AmeriSave Mortgage Corporation | 11 | 3.0% | — |
| 11 | Horatio State Bank 68 out of 100, Moderate | 9 | 2.5% | 8.8% |
| 12 | NEWREZ LLC | 8 | 2.2% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 2.2% | — |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 1.9% | — |
| 15 | Regions Bank 64 out of 100, Moderate | 7 | 1.9% | 43.1% |
| 16 | PLANET HOME LENDING, LLC | 7 | 1.9% | — |
| 17 | NEW DAY FINANCIAL, LLC | 6 | 1.6% | — |
| 18 | SOUTHWEST STAGE FUNDING, LLC | 5 | 1.4% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 5 | 1.4% | — |
| 20 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 5 | 1.4% | 74.7% |
| 21 | Loandepot.Com, LLC | 4 | 1.1% | — |
| 22 | Mortgage Research Center, LLC | 4 | 1.1% | — |
| 23 | Farm Credit Services of Western Arkansas, ACA | 4 | 1.1% | — |
| 24 | Union Bank 82 out of 100, Strong | 3 | 0.8% | 1.3% |
| 25 | FREEDOM MORTGAGE CORPORATION | 3 | 0.8% | — |
| 26 | Southern Bancorp Bank 61 out of 100, Moderate | 3 | 0.8% | 12.4% |
| 27 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | 0.8% | — |
| 28 | LoanUnited.com, LLC | 3 | 0.8% | — |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.5% | 14.1% |
| 30 | Fairway Independent Mortgage Corporation | 2 | 0.5% | — |
| 31 | Broker Solutions, Inc. | 2 | 0.5% | — |
| 32 | GUARANTEED RATE, INC. | 2 | 0.5% | — |
| 33 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.5% | — |
| 34 | FIGURE LENDING LLC | 2 | 0.5% | — |
| 35 | The Federal Savings Bank 51 out of 100, Below average | 2 | 0.5% | 19.1% |
| 36 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | 0.5% | — |
| 37 | Chickasaw Community Bank 47 out of 100, Below average | 2 | 0.5% | 34.1% |
| 38 | PLAZA HOME MORTGAGE, INC. | 2 | 0.5% | — |
| 39 | Armstrong Bank 74 out of 100, Strong | 2 | 0.5% | 9.7% |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 2 | 0.5% | — |
Top 40 of 71 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Arkansas
- Benton County 19,914 apps
- Pulaski County 17,313 apps
- Washington County 11,549 apps
- Saline County 7,383 apps
- Faulkner County 6,470 apps
- Garland County 5,157 apps
- Sebastian County 4,917 apps
- Craighead County 4,883 apps
- Lonoke County 4,594 apps
- White County 3,777 apps
- Crawford County 2,638 apps
- Pope County 2,293 apps