Largest lenders in Baxter County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 238 | 170 | 10.9% | 7.50% |
| 2 | Click n' Close | C | 238 | 197 | 0.0% | 6.25% |
| 3 | Rocket Mortgage | C | 95 | 57 | 27.4% | 6.63% |
| 4 | Anstaff Bank | B | 93 | 81 | 3.2% | — |
| 5 | First Security Bank | C | 87 | 66 | 10.3% | 7.59% |
| 6 | The Farmers & Merchants Bank | D | 82 | 55 | 13.4% | 7.65% |
| 7 | U.S. Bank | D | 55 | 23 | 30.9% | 7.90% |
| 8 | Baxter Credit Union | B | 44 | 29 | 18.2% | 7.50% |
| 9 | First Community Bank | C | 44 | 35 | 2.3% | 7.70% |
| 10 | United Shore Financial Services | B | 41 | 27 | 12.2% | 5.87% |
| 11 | Freedom Mortgage | B | 40 | 15 | 12.5% | 6.25% |
| 12 | Bank OZK | C | 36 | 18 | 41.7% | 6.06% |
| 13 | Mortgage Research Center | C | 35 | 14 | 8.6% | 6.63% |
| 14 | Pennymac Loan Services | C | 30 | 17 | 10.0% | 6.75% |
| 15 | FNBC Bank | C | 24 | 21 | 4.2% | — |
| 16 | 21st Mortgage | F | 23 | 4 | 39.1% | 9.31% |
| 17 | AmeriSave Mortgage | D | 21 | 7 | 57.1% | 9.75% |
| 18 | Centennial Bank | D | 21 | 12 | 23.8% | 7.88% |
| 19 | Newrez | D | 20 | 11 | 15.0% | 6.88% |
| 20 | Broker Solutions | D | 20 | 4 | 20.0% | 6.63% |
| 21 | New Day Financial | F | 19 | 2 | 5.3% | 6.49% |
| 22 | Navy Federal Credit Union | D | 18 | 11 | 11.1% | 7.75% |
| 23 | Coastal Community Bank | C | 17 | 7 | 0.0% | 7.74% |
| 24 | Vanderbilt Mortgage and Finance | F | 17 | 3 | 35.3% | 8.75% |
| 25 | Nationstar Mortgage | C | 15 | 10 | 20.0% | 8.00% |
Best approval odds in Baxter County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Click n' Close | 197 | 0.0% |
| 2 | Anstaff Bank | 84 | 3.6% |
| 3 | First Security Bank | 79 | 11.4% |
| 4 | Arvest Bank | 199 | 13.1% |
| 5 | The Farmers & Merchants Bank | 69 | 15.9% |
| 6 | Rocket Mortgage | 85 | 30.6% |
What Baxter County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Baxter County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,297 | 834 | 13.1% | 6.88% | $145,000 |
| 2024 | 1,562 | 970 | 13.7% | 6.88% | $145,000 |
| 2025 | 1,776 | 1,108 | 14.3% | 6.75% | $145,000 |
Frequently asked questions
14.3% of applications in Baxter County were denied in 2025, against 18.2% statewide in Arkansas.
Arvest Bank, with 238 applications in 2025 and a denial rate of 10.9%.
The median mortgage application in Baxter County in 2025 was for $145,000; the median property value on originated loans was $245,000.