Largest lenders in Franklin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bank OZK | C | 58 | 25 | 44.8% | 5.99% |
| 2 | Arvest Bank | C | 44 | 23 | 18.2% | 7.00% |
| 3 | Rocket Mortgage | C | 44 | 30 | 25.0% | 6.75% |
| 4 | 21st Mortgage | F | 41 | 11 | 51.2% | 9.82% |
| 5 | Union Bank | A | 33 | 33 | 0.0% | — |
| 6 | Simmons Bank | C | 28 | 18 | 32.1% | 5.94% |
| 7 | Priority Bank | A | 28 | 26 | 0.0% | 6.25% |
| 8 | Vanderbilt Mortgage and Finance | F | 23 | 4 | 26.1% | 9.38% |
| 9 | Firsttrust Home Loans | B | 19 | 17 | 0.0% | 5.99% |
| 10 | Regions Bank | C | 18 | 9 | 44.4% | 6.63% |
| 11 | Loandepot.Com | D | 17 | 6 | 41.2% | 6.25% |
| 12 | Farm Credit Services of Western Arkansas, ACA | C | 16 | 9 | 25.0% | 6.50% |
| 13 | Triad Financial Services | D | 16 | 2 | 56.3% | 9.52% |
| 14 | Firstar Bank | B | 15 | 13 | 0.0% | 6.25% |
| 15 | ARKANSAS Federal Credit Union | F | 12 | 4 | 41.7% | 6.56% |
| 16 | United Federal Credit Union | D | 11 | 7 | 36.4% | 6.50% |
| 17 | Freedom Mortgage | B | 10 | 6 | 10.0% | 6.06% |
| 18 | Broker Solutions | D | 10 | 4 | 30.0% | 6.74% |
| 19 | The First National Bank of Fort Smith | B | 10 | 6 | 20.0% | 6.74% |
| 20 | AmeriSave Mortgage | D | 9 | 3 | 66.7% | 6.63% |
| 21 | Mortgage Research Center | C | 9 | 1 | 11.1% | 6.75% |
| 22 | New Day Financial | F | 8 | 3 | 25.0% | 7.13% |
| 23 | Stockton Mortgage | D | 8 | 4 | 0.0% | 6.94% |
| 24 | Highlands Residential Mortgage | B | 8 | 5 | 0.0% | 6.38% |
| 25 | U.S. Bank | D | 7 | 4 | 28.6% | 6.81% |
Best approval odds in Franklin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Bank OZK | 52 | 50.0% |
What Franklin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Franklin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 504 | 272 | 24.2% | 7.13% | $115,000 |
| 2024 | 568 | 311 | 22.2% | 6.80% | $115,000 |
| 2025 | 665 | 365 | 23.9% | 6.63% | $125,000 |
Frequently asked questions
23.9% of applications in Franklin County were denied in 2025, against 18.2% statewide in Arkansas.
Bank OZK, with 58 applications in 2025 and a denial rate of 44.8%.
The median mortgage application in Franklin County in 2025 was for $125,000; the median property value on originated loans was $195,000.