Mortgage lending in Hot Spring County, Arkansas
Lenders in Hot Spring County, Arkansas reported 1,373 mortgage applications for 2025, according to the CFPB.
1,373 mortgage applications and 597 loans originated in 2025; the denial rate was 37.1% of 1,066 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Hot Spring County, AR.
- 1,373
- Applications
- 597
- Loans originated
- 37.1%
- Denial rate
- 396 denied of 1,066 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,373 | 597 |
| 2024 | 1,277 | 526 |
| 2023 | 1,202 | 482 |
| 2022 | 1,239 | 533 |
| 2021 | 1,453 | 718 |
| 2020 | 1,301 | 637 |
| 2019 | 1,078 | 511 |
| 2018 | 1,121 | 532 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Southern Bancorp Bank | 47 | 68 |
| Rocket Mortgage | 39 | 64 |
| Bank Ozk | 36 | 71 |
| Fairway Independent Mort Corp | 30 | 38 |
| Arkansas Federal Credit Union | 25 | 59 |
| FirstTrust Home Loans | 21 | 25 |
| Diamond Lakes Federal Credit Union | 21 | 21 |
| GMFS, LLC | 21 | 26 |
| Vanderbilt Mortgage and Finance, Inc | 17 | 135 |
| SWBC Mortgage Corporation | 16 | 19 |
| 21ST Mortgage | 15 | 93 |
| Mortgage Research Center | 14 | 29 |
| Malvern National Bank | 14 | 22 |
| Flanagan State Bank | 13 | 17 |
| Arvest Bank | 13 | 30 |
| Eustis Mortgage Corp | 12 | 12 |
| US Bank, N.A. | 12 | 36 |
| Regions Bank | 10 | 22 |
| Pennymac Loan Services LLC | 9 | 20 |
| Triad Financial Services, Inc. | 8 | 83 |
| Farmers Bank & Trust | 8 | 10 |
| United Wholesale Mortgage | 8 | 16 |
| Community Mortgage Corporation | 8 | 10 |
| Freedom Mortgage Corporation | 8 | 11 |
| Coastal Community Bank | 7 | 15 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 17 | no rate: base under 50 |
| Asian | 13 | no rate: base under 50 |
| Black or African American | 104 | 54.5% of 77 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,058 | 35.3% of 833 decided |
| 2 or more minority races | under 10 | |
| Joint | 27 | no rate: base under 50 |
| Race Not Available | 149 | 37.3% of 110 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 32 | no rate: base under 50 |
| Not Hispanic or Latino | 1,113 | 34.9% of 876 decided |
| Joint | 19 | no rate: base under 50 |
| Ethnicity Not Available | 209 | 47.6% of 147 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 471 | 32.0% of 366 decided |
| Female | 329 | 49.8% of 255 decided |
| Joint | 469 | 33.8% of 364 decided |
| Sex Not Available | 104 | 35.8% of 81 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2121 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved