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Benton County, Arkansas · 2025

Mortgage lenders in Benton County, AR: denial rates and top lenders (2025)

478 lenders acted on 16,934 mortgage applications for properties in Benton County in 2025. 12.1% were denied (Arkansas: 18.2%). Median rate on closed loans 6.63%; median loan $265,000; median property value $405,000.

17kApplications
12.1%Denial ratestate 18.2%
6.63%Median ratestate 6.63%
$265,000Median loan
$405,000Median property value

Largest lenders in Benton County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Arvest Bank C 2,8021,933 12.8%7.00%
2 Rocket Mortgage C 909716 11.2%6.63%
3 United Shore Financial Services B 482362 10.8%6.13%
4 Centennial Bank D 477289 8.8%6.38%
5 Flat Branch Mortgage A 474390 0.0%6.38%
6 ARKANSAS Federal Credit Union F 389193 20.8%7.50%
7 Pennymac Loan Services C 313157 10.5%6.38%
8 Dhi Mortgage Company B 305157 11.2%5.99%
9 United Federal Credit Union D 282165 20.6%6.50%
10 Mortgage Research Center C 25098 21.2%6.25%
11 Bank of America F 235108 27.2%6.25%
12 Freedom Mortgage B 20991 4.3%6.13%
13 Gershman Investment B 197148 3.6%6.38%
14 Gateway First Bank B 195147 5.6%6.38%
15 Generations Bank B 192152 6.8%6.63%
16 Lennar Mortgage A 191133 15.2%5.75%
17 My Move Mortgage A 188143 0.0%6.63%
18 Newrez D 17864 11.2%6.38%
19 Navy Federal Credit Union D 17899 11.8%6.75%
20 Associated Mortgage A 175127 0.0%6.50%
21 Regions Bank C 16985 27.8%5.75%
22 Coastal Community Bank C 16744 1.8%10.24%
23 The First National Bank of Fort Smith B 165123 4.2%6.75%
24 Bank OZK C 16074 31.3%5.99%
25 Lendlo Mortgage A 156112 5.1%5.99%

Best approval odds in Benton County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Grand Savings Bank680.0%
2First Western Bank950.0%
3Priority Bank950.0%
4Highlands Residential Mortgage1000.0%
5Associated Mortgage1420.0%
6My Move Mortgage1430.0%
7Flat Branch Mortgage3900.0%
8Primelending, a Plainscapital1031.0%
9Envoy Mortgage641.6%
10Legacy National Bank1161.7%

What Benton County borrowers applied for

By loan purpose

Home purchase 9,054 53% · 6.0% denied
Refinance 2,641 16% · 11.7% denied
Cash-out refinance 2,097 12% · 19.7% denied
Home improvement 1,326 8% · 23.8% denied
Other / HELOC 1,816 11% · 26.0% denied

By loan type

Conventional 13,438 79% · 12.1% denied
FHA 2,093 12% · 13.0% denied
VA 1,287 8% · 11.9% denied
USDA / RHS 116 1% · 8.6% denied

Why applications were denied

Debt-to-income ratio 670 33%
Credit history 483 24%
Collateral 255 13%
Incomplete application 245 12%
Other 184 9%
Unverifiable information 116 6%
Insufficient cash 53 3%
Employment history 18 1%
Mortgage insurance denied 1 0%

Benton County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202314,1548,68914.4%6.88%$235,000
202415,0209,47512.4%6.75%$255,000
202516,93410,60812.1%6.63%$265,000

Frequently asked questions

12.1% of applications in Benton County were denied in 2025, against 18.2% statewide in Arkansas.

Arvest Bank, with 2,802 applications in 2025 and a denial rate of 12.8%.

The median mortgage application in Benton County in 2025 was for $265,000; the median property value on originated loans was $405,000.