Largest lenders in Carroll County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 123 | 93 | 13.8% | 7.35% |
| 2 | CS Bank | A | 100 | 90 | 5.0% | — |
| 3 | Equity Bank | A | 76 | 60 | 6.6% | 7.27% |
| 4 | Bank of 1889 | A | 55 | 49 | 1.8% | — |
| 5 | Rocket Mortgage | C | 54 | 37 | 24.1% | 6.99% |
| 6 | Anstaff Bank | B | 41 | 35 | 2.4% | — |
| 7 | 21st Mortgage | F | 37 | 4 | 43.2% | 9.68% |
| 8 | Vanderbilt Mortgage and Finance | F | 31 | 4 | 35.5% | 10.88% |
| 9 | Mortgage Research Center | C | 24 | 11 | 12.5% | 6.50% |
| 10 | Newrez | D | 19 | 2 | 42.1% | 6.88% |
| 11 | Union Home Mortgage | B | 17 | 12 | 0.0% | 6.44% |
| 12 | Triad Financial Services | D | 17 | 4 | 35.3% | 10.09% |
| 13 | Centennial Bank | D | 16 | 12 | 6.3% | 6.00% |
| 14 | AmeriSave Mortgage | D | 15 | 2 | 73.3% | 9.50% |
| 15 | United Shore Financial Services | B | 15 | 10 | 26.7% | 6.12% |
| 16 | Fairway Independent Mortgage | B | 14 | 8 | 14.3% | 6.63% |
| 17 | Loandepot.Com | D | 13 | 9 | 15.4% | 6.88% |
| 18 | Coastal Community Bank | C | 13 | 3 | 0.0% | 11.24% |
| 19 | ARKANSAS Federal Credit Union | F | 12 | 3 | 41.7% | 7.60% |
| 20 | New Day Financial | F | 11 | 2 | 18.2% | 6.43% |
| 21 | Broker Solutions | D | 11 | 5 | 18.2% | 7.25% |
| 22 | Mutual of Omaha Mortgage | C | 10 | 5 | 20.0% | 6.25% |
| 23 | American Pacific Mortgage | C | 10 | 7 | 10.0% | 6.50% |
| 24 | Discover Bank | F | 9 | 0 | 66.7% | — |
| 25 | Regions Bank | C | 9 | 1 | 33.3% | 6.63% |
Best approval odds in Carroll County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Bank of 1889 | 50 | 2.0% |
| 2 | CS Bank | 95 | 5.3% |
| 3 | Equity Bank | 65 | 7.7% |
| 4 | Arvest Bank | 110 | 15.5% |
| 5 | Rocket Mortgage | 51 | 25.5% |
What Carroll County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Carroll County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 885 | 588 | 12.9% | 6.99% | $145,000 |
| 2024 | 911 | 577 | 14.8% | 6.99% | $165,000 |
| 2025 | 1,052 | 638 | 16.4% | 6.88% | $165,000 |
Frequently asked questions
16.4% of applications in Carroll County were denied in 2025, against 18.2% statewide in Arkansas.
Arvest Bank, with 123 applications in 2025 and a denial rate of 13.8%.
The median mortgage application in Carroll County in 2025 was for $165,000; the median property value on originated loans was $295,000.