Arkansas’s FHA denial rate in 2025 was 21.0% across 13,935 decisioned applications — ranking #34 of 52 states. Among high-volume lenders, the lowest observed denial rate was Flat Branch Mortgage, Inc. at 0.7%; the highest was Amerisave Mortgage Company at 78.7%. The institutional spread inside Arkansas is 112.4×: the same FHA application faces a 0.7% observed denial rate at one high-volume door and 78.7% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Arkansas FHA apps | Denial rate |
|---|---|---|
| Flat Branch Mortgage, Inc. | 437 | 0.7% |
| Firsttrust Home Loans | 739 | 0.9% |
| Highlands Residential Mortgage, | 259 | 1.9% |
| Fairway Independent Mort Corp | 671 | 6.0% |
| First Community Bank | 309 | 7.1% |
| Arvest Bank | 635 | 13.2% |
| Centennial Bank | 247 | 19.0% |
| Dhi Mortgage Company, Ltd. | 323 | 20.1% |
| Freedom Mortgage Corporation | 377 | 22.8% |
| Pennymac Loan Services LLC | 399 | 24.6% |
| United Wholesale Mortgage | 518 | 29.2% |
| Rocket Mortgage | 1,246 | 31.1% |
| New American Funding, LLC. | 270 | 34.8% |
| Loandepot.Com LLC | 331 | 53.5% |
| Amerisave Mortgage Company | 417 | 78.7% |
Applications under $150K were denied 33.1% of the time versus 14.6% for loans of $250K+ — a 2.3× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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