Largest mortgage lenders in Arkansas
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 9,748 | 6,555 | 14.4% | 7.00% |
| 2 | Rocket Mortgage | C | 5,854 | 4,094 | 20.1% | 6.63% |
| 3 | ARKANSAS Federal Credit Union | F | 4,439 | 2,263 | 23.6% | 7.50% |
| 4 | Vanderbilt Mortgage and Finance | F | 3,491 | 422 | 38.4% | 10.25% |
| 5 | 21st Mortgage | F | 3,250 | 631 | 46.6% | 9.69% |
| 6 | Mortgage Research Center | C | 2,767 | 1,236 | 18.3% | 6.25% |
| 7 | Regions Bank | C | 2,646 | 1,129 | 40.0% | 6.13% |
| 8 | Firsttrust Home Loans | B | 2,590 | 2,197 | 0.5% | 6.49% |
| 9 | United Shore Financial Services | B | 2,456 | 1,696 | 13.3% | 6.12% |
| 10 | Triad Financial Services | D | 2,133 | 235 | 54.2% | 8.68% |
| 11 | Centennial Bank | D | 2,104 | 1,278 | 16.1% | 6.63% |
| 12 | Pennymac Loan Services | C | 2,076 | 947 | 12.4% | 6.38% |
| 13 | Bank OZK | C | 1,907 | 1,001 | 31.0% | 6.50% |
| 14 | Fairway Independent Mortgage | B | 1,864 | 1,335 | 6.0% | 6.49% |
| 15 | First Community Bank | C | 1,844 | 1,415 | 4.8% | 6.99% |
| 16 | First Security Bank | C | 1,843 | 1,535 | 5.9% | 7.50% |
| 17 | Flat Branch Mortgage | A | 1,840 | 1,481 | 0.4% | 6.49% |
| 18 | Freedom Mortgage | B | 1,672 | 675 | 8.4% | 6.25% |
| 19 | Simmons Bank | C | 1,568 | 986 | 22.3% | 6.44% |
| 20 | Cadence Bank | B | 1,406 | 939 | 17.7% | 7.13% |
| 21 | AmeriSave Mortgage | D | 1,359 | 315 | 63.4% | 7.38% |
| 22 | U.S. Bank | D | 1,348 | 556 | 39.5% | 7.13% |
| 23 | Newrez | D | 1,306 | 420 | 19.1% | 6.31% |
| 24 | Eagle Bank and Trust | A | 1,305 | 975 | 5.5% | 6.50% |
| 25 | Broker Solutions | D | 1,268 | 342 | 10.8% | 6.88% |
Best approval odds in Arkansas
Lowest decision denial rate among lenders that decided at least 300 Arkansas applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | Eustis Mortgage | 518 | 0.4% | 6.50% |
| 2 | Flat Branch Mortgage | 1,504 | 0.5% | 6.49% |
| 3 | Firsttrust Home Loans | 2,210 | 0.6% | 6.49% |
| 4 | Highlands Residential Mortgage | 730 | 1.0% | 6.63% |
| 5 | Union Bank | 446 | 1.4% | — |
| 6 | Swbc Mortgage | 371 | 1.6% | 6.50% |
| 7 | Ark-La-Tex Financial Services, LLC. | 335 | 2.1% | 6.50% |
| 8 | Click n' Close | 538 | 3.4% | 6.25% |
| 9 | Coastal Community Bank | 736 | 3.4% | 10.49% |
| 10 | Signature Bank of Arkansas | 425 | 3.8% | — |
Lowest median rates in Arkansas
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | Lennar Mortgage | 359 | 5.50% | 16.3% |
| 2 | Dhi Mortgage Company | 625 | 5.50% | 12.1% |
| 3 | Village Capital & Investment | 141 | 5.75% | 17.0% |
| 4 | Planet Home Lending | 140 | 5.99% | 20.9% |
| 5 | Lendlo Mortgage | 335 | 5.99% | 4.0% |
| 6 | Telcoe Federal Credit Union | 110 | 6.06% | 4.0% |
| 7 | United Shore Financial Services | 1,696 | 6.12% | 13.3% |
| 8 | First Colony Mortgage | 129 | 6.13% | 2.6% |
| 9 | Regions Bank | 1,129 | 6.13% | 40.0% |
| 10 | Priority Bank | 245 | 6.25% | 0.4% |
What Arkansas borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Arkansas applications were denied
Arkansas mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 98,824 | 54,384 | 21.0% | 6.99% | $145,000 | 736 |
| 2024 | 107,016 | 59,195 | 20.0% | 6.88% | $155,000 | 749 |
| 2025 | 116,991 | 66,490 | 18.2% | 6.63% | $165,000 | 802 |
Arkansas counties
Counties with at least 200 applications in 2025, most active first.
Frequently asked questions
18.2% of mortgage applications in Arkansas were denied in 2025 (23.1% of applications that reached a decision). Nationally the rate was 18.0%.
Arvest Bank handled the most applications in Arkansas in 2025: 9,748, with a denial rate of 14.4%.
Among lenders that decided at least 300 applications in Arkansas, Eustis Mortgage had the lowest decision denial rate at 0.4%.
The median interest rate on loans originated in Arkansas in 2025 was 6.63%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.