Largest lenders in Columbia County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 90 | 14 | 52.2% | 11.75% |
| 2 | Farmers Bank & Trust | C | 77 | 70 | 5.2% | 8.50% |
| 3 | Vanderbilt Mortgage and Finance | F | 69 | 11 | 49.3% | 11.25% |
| 4 | Triad Financial Services | D | 65 | 8 | 50.8% | 10.63% |
| 5 | Rocket Mortgage | C | 59 | 43 | 18.6% | 6.13% |
| 6 | Bodcaw Bank | – | 17 | 13 | 5.9% | — |
| 7 | Credit Human Federal Credit Union | D | 16 | 1 | 93.8% | 8.80% |
| 8 | Mortgage Research Center | C | 16 | 8 | 6.3% | 6.50% |
| 9 | Newrez | D | 12 | 2 | 50.0% | 5.94% |
| 10 | Highlands Residential Mortgage | B | 11 | 9 | 0.0% | 6.88% |
| 11 | Firsttrust Home Loans | B | 11 | 5 | 0.0% | 6.50% |
| 12 | AmeriSave Mortgage | D | 10 | 0 | 70.0% | — |
| 13 | Farm Credit Services of Western Arkansas, ACA | C | 10 | 9 | 10.0% | 6.60% |
| 14 | Cadence Bank | B | 9 | 7 | 11.1% | 7.50% |
| 15 | United Built Homes | F | 9 | 3 | 66.7% | 8.99% |
| 16 | Coastal Community Bank | C | 7 | 1 | 0.0% | 9.49% |
| 17 | Regions Bank | C | 6 | 0 | 100.0% | — |
| 18 | New Day Financial | F | 6 | 1 | 16.7% | 6.49% |
| 19 | Fairway Independent Mortgage | B | 6 | 4 | 16.7% | 6.69% |
| 20 | Broker Solutions | D | 6 | 2 | 0.0% | 7.25% |
| 21 | Southwest Stage Funding | F | 6 | 0 | 16.7% | — |
| 22 | Figure Lending | C | 6 | 4 | 16.7% | 8.66% |
| 23 | Freedom Mortgage | B | 5 | 2 | 20.0% | 5.75% |
| 24 | Guild Mortgage | A | 5 | 5 | 0.0% | 6.38% |
Best approval odds in Columbia County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Farmers Bank & Trust | 75 | 5.3% |
| 2 | Rocket Mortgage | 54 | 20.4% |
| 3 | Triad Financial Services | 65 | 50.8% |
| 4 | 21st Mortgage | 62 | 75.8% |
What Columbia County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Columbia County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 565 | 248 | 36.5% | 7.53% | $115,000 |
| 2024 | 571 | 229 | 34.5% | 7.47% | $115,000 |
| 2025 | 642 | 278 | 30.5% | 7.13% | $125,000 |
Frequently asked questions
30.5% of applications in Columbia County were denied in 2025, against 18.2% statewide in Arkansas.
21st Mortgage, with 90 applications in 2025 and a denial rate of 52.2%.
The median mortgage application in Columbia County in 2025 was for $125,000; the median property value on originated loans was $185,000.