Largest lenders in Garland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 324 | 205 | 20.1% | 7.25% |
| 2 | Rocket Mortgage | C | 258 | 164 | 23.6% | 6.75% |
| 3 | ARKANSAS Federal Credit Union | F | 219 | 112 | 20.6% | 7.50% |
| 4 | Vanderbilt Mortgage and Finance | F | 212 | 22 | 42.9% | 9.75% |
| 5 | Regions Bank | C | 196 | 91 | 37.8% | 6.50% |
| 6 | Swbc Mortgage | A | 164 | 120 | 2.4% | 6.63% |
| 7 | Bank OZK | C | 150 | 68 | 34.7% | 5.99% |
| 8 | 21st Mortgage | F | 136 | 20 | 61.8% | 10.10% |
| 9 | United Shore Financial Services | B | 129 | 86 | 14.7% | 6.00% |
| 10 | Triad Financial Services | D | 128 | 3 | 67.2% | 10.96% |
| 11 | Mortgage Research Center | C | 121 | 62 | 15.7% | 6.63% |
| 12 | U.S. Bank | D | 112 | 43 | 45.5% | 7.00% |
| 13 | Southern Bancorp Bank | C | 100 | 76 | 5.0% | 7.50% |
| 14 | Ark-La-Tex Financial Services, LLC. | A | 88 | 59 | 0.0% | 6.75% |
| 15 | First Security Bank | C | 82 | 65 | 3.7% | 7.00% |
| 16 | Firsttrust Home Loans | B | 81 | 66 | 0.0% | 6.63% |
| 17 | Newrez | D | 74 | 34 | 10.8% | 6.44% |
| 18 | AmeriSave Mortgage | D | 70 | 16 | 62.9% | 8.50% |
| 19 | Simmons Bank | C | 66 | 40 | 19.7% | 6.50% |
| 20 | Pennymac Loan Services | C | 60 | 30 | 15.0% | 7.25% |
| 21 | Fairway Independent Mortgage | B | 58 | 36 | 3.5% | 6.81% |
| 22 | Crosscountry Mortgage | B | 56 | 26 | 1.8% | 6.58% |
| 23 | Better Mortgage | F | 55 | 27 | 34.6% | 6.99% |
| 24 | Broker Solutions | D | 54 | 16 | 5.6% | 7.00% |
| 25 | Credit Human Federal Credit Union | D | 51 | 2 | 80.4% | 7.80% |
Best approval odds in Garland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Firsttrust Home Loans | 66 | 0.0% |
| 2 | Ark-La-Tex Financial Services, LLC. | 60 | 0.0% |
| 3 | Swbc Mortgage | 128 | 3.1% |
| 4 | First Security Bank | 69 | 4.4% |
| 5 | Southern Bancorp Bank | 86 | 5.8% |
| 6 | United Shore Financial Services | 110 | 17.3% |
| 7 | Mortgage Research Center | 82 | 23.2% |
| 8 | Arvest Bank | 276 | 23.6% |
| 9 | Simmons Bank | 54 | 24.1% |
| 10 | Rocket Mortgage | 230 | 26.5% |
What Garland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Garland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,863 | 1,947 | 23.6% | 7.18% | $135,000 |
| 2024 | 4,249 | 2,122 | 24.2% | 7.00% | $135,000 |
| 2025 | 4,672 | 2,357 | 23.1% | 6.75% | $155,000 |
Frequently asked questions
23.1% of applications in Garland County were denied in 2025, against 18.2% statewide in Arkansas.
Arvest Bank, with 324 applications in 2025 and a denial rate of 20.1%.
The median mortgage application in Garland County in 2025 was for $155,000; the median property value on originated loans was $275,000.