Largest lenders in Craighead County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 319 | 213 | 11.3% | 6.88% |
| 2 | Simmons Bank | C | 159 | 118 | 13.2% | 6.87% |
| 3 | Rocket Mortgage | C | 150 | 98 | 23.3% | 6.43% |
| 4 | First Community Bank | C | 133 | 102 | 6.0% | 6.81% |
| 5 | United Shore Financial Services | B | 125 | 83 | 19.2% | 6.25% |
| 6 | Dhi Mortgage Company | B | 114 | 69 | 16.7% | 4.50% |
| 7 | Cadence Bank | B | 112 | 70 | 22.3% | 7.19% |
| 8 | Fairway Independent Mortgage | B | 107 | 82 | 5.6% | 6.25% |
| 9 | Firsttrust Home Loans | B | 101 | 77 | 0.0% | 6.38% |
| 10 | First National Bank | B | 96 | 78 | 1.0% | 7.50% |
| 11 | Pennymac Loan Services | C | 95 | 41 | 6.3% | 6.25% |
| 12 | Centennial Bank | D | 95 | 56 | 22.1% | 7.25% |
| 13 | First Horizon Bank | B | 87 | 56 | 13.8% | 6.75% |
| 14 | ARKANSAS Federal Credit Union | F | 87 | 35 | 35.6% | 8.50% |
| 15 | Mortgage Research Center | C | 86 | 40 | 19.8% | 6.25% |
| 16 | Southern Bank | A | 84 | 75 | 0.0% | 7.25% |
| 17 | Vanderbilt Mortgage and Finance | F | 84 | 6 | 40.5% | 8.25% |
| 18 | Regions Bank | C | 78 | 35 | 38.5% | 5.75% |
| 19 | Focus Bank | C | 73 | 60 | 8.2% | — |
| 20 | DAS Acquisition Company | B | 72 | 43 | 4.2% | 6.50% |
| 21 | First Financial Bank | B | 69 | 50 | 7.3% | 6.13% |
| 22 | Freedom Mortgage | B | 67 | 29 | 11.9% | 6.25% |
| 23 | First Colony Mortgage | A | 65 | 56 | 1.5% | 6.13% |
| 24 | Evolve Bank & Trust | C | 63 | 58 | 6.4% | 7.19% |
| 25 | Bank OZK | C | 62 | 54 | 4.8% | 6.50% |
Best approval odds in Craighead County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Southern Bank | 75 | 0.0% |
| 2 | Firsttrust Home Loans | 77 | 0.0% |
| 3 | First National Bank | 96 | 1.0% |
| 4 | First Colony Mortgage | 60 | 1.7% |
| 5 | Bank OZK | 57 | 5.3% |
| 6 | DAS Acquisition Company | 55 | 5.5% |
| 7 | Evolve Bank & Trust | 62 | 6.5% |
| 8 | Fairway Independent Mortgage | 88 | 6.8% |
| 9 | First Community Bank | 110 | 7.3% |
| 10 | First Financial Bank | 58 | 8.6% |
What Craighead County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Craighead County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,529 | 2,150 | 17.5% | 6.99% | $145,000 |
| 2024 | 3,790 | 2,309 | 16.7% | 6.99% | $155,000 |
| 2025 | 4,225 | 2,594 | 15.3% | 6.63% | $165,000 |
Frequently asked questions
15.3% of applications in Craighead County were denied in 2025, against 18.2% statewide in Arkansas.
Arvest Bank, with 319 applications in 2025 and a denial rate of 11.3%.
The median mortgage application in Craighead County in 2025 was for $165,000; the median property value on originated loans was $235,000.