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Faulkner County, Arkansas · 2025

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

257 lenders acted on 5,377 mortgage applications for properties in Faulkner County in 2025. 15.4% were denied (Arkansas: 18.2%). Median rate on closed loans 6.63%; median loan $185,000; median property value $275,000.

5.4kApplications
15.4%Denial ratestate 18.2%
6.63%Median ratestate 6.63%
$185,000Median loan
$275,000Median property value

Largest lenders in Faulkner County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 ARKANSAS Federal Credit Union F 400258 17.5%7.50%
2 First Security Bank C 385341 3.4%7.50%
3 Centennial Bank D 287180 11.9%6.63%
4 Eagle Bank and Trust A 269191 7.1%6.25%
5 Rocket Mortgage C 259183 19.7%6.63%
6 Arvest Bank C 241164 13.3%6.88%
7 Firsttrust Home Loans B 205175 1.0%6.38%
8 Vanderbilt Mortgage and Finance F 16119 33.5%9.75%
9 First Community Bank C 150124 5.3%6.50%
10 Pennymac Loan Services C 12962 12.4%6.87%
11 21st Mortgage F 12933 40.3%10.15%
12 Mortgage Research Center C 12553 21.6%6.25%
13 Regions Bank C 12059 30.0%6.38%
14 United Shore Financial Services B 11473 19.3%6.00%
15 Bank OZK C 10560 27.6%5.99%
16 Simmons Bank C 10374 14.6%6.38%
17 Freedom Mortgage B 8535 4.7%6.25%
18 Flat Branch Mortgage A 8576 1.2%6.50%
19 U.S. Bank D 7943 24.1%7.85%
20 First Service Bank C 6452 4.7%—
21 Newrez D 6021 20.0%6.50%
22 Cadence Bank B 5843 6.9%7.50%
23 Bank of America F 5220 34.6%6.24%
24 Triad Financial Services D 525 61.5%8.61%
25 Navy Federal Credit Union D 5222 25.0%5.81%

Best approval odds in Faulkner County

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

#LenderDecidedDecision denial rate
1Firsttrust Home Loans1771.1%
2Flat Branch Mortgage771.3%
3First Security Bank3593.6%
4First Service Bank575.3%
5First Community Bank1326.1%
6Eagle Bank and Trust2119.0%
7Centennial Bank21715.7%
8Arvest Bank20016.0%
9Simmons Bank9116.5%
10Pennymac Loan Services8119.8%

What Faulkner County borrowers applied for

By loan purpose

Home purchase 2,811 52% · 11.4% denied
Refinance 802 15% · 12.1% denied
Cash-out refinance 708 13% · 21.5% denied
Home improvement 433 8% · 25.4% denied
Other / HELOC 623 12% · 23.8% denied

By loan type

Conventional 3,753 70% · 16.4% denied
FHA 899 17% · 13.2% denied
VA 601 11% · 13.5% denied
USDA / RHS 124 2% · 8.9% denied

Why applications were denied

Credit history 293 36%
Debt-to-income ratio 211 26%
Collateral 106 13%
Other 81 10%
Incomplete application 67 8%
Unverifiable information 39 5%
Insufficient cash 16 2%
Employment history 8 1%
Mortgage insurance denied 1 0%

Faulkner County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,4662,63719.1%7.00%$155,000
20245,0703,00518.0%6.88%$165,000
20255,3773,32615.4%6.63%$185,000

Frequently asked questions

15.4% of applications in Faulkner County were denied in 2025, against 18.2% statewide in Arkansas.

ARKANSAS Federal Credit Union, with 400 applications in 2025 and a denial rate of 17.5%.

The median mortgage application in Faulkner County in 2025 was for $185,000; the median property value on originated loans was $275,000.