Largest lenders in Jefferson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 100 | 62 | 25.0% | 6.88% |
| 2 | Mortgage Financial Services | B | 93 | 74 | 0.0% | 6.88% |
| 3 | PINE BLUFF COTTON BELT Federal Credit Union | – | 87 | 55 | 14.9% | 6.56% |
| 4 | Firsttrust Home Loans | B | 78 | 69 | 0.0% | 6.38% |
| 5 | Simmons Bank | C | 77 | 47 | 31.2% | 6.88% |
| 6 | 21st Mortgage | F | 75 | 15 | 44.0% | 11.51% |
| 7 | Vanderbilt Mortgage and Finance | F | 63 | 9 | 30.2% | 11.75% |
| 8 | Fairway Independent Mortgage | B | 54 | 36 | 9.3% | 5.75% |
| 9 | U.S. Bank | D | 52 | 24 | 38.5% | 6.50% |
| 10 | Mortgage Research Center | C | 51 | 18 | 21.6% | 6.56% |
| 11 | Pennymac Loan Services | C | 46 | 15 | 15.2% | 7.00% |
| 12 | AmeriSave Mortgage | D | 46 | 7 | 60.9% | 5.88% |
| 13 | ARKANSAS Federal Credit Union | F | 44 | 11 | 52.3% | 7.50% |
| 14 | United Shore Financial Services | B | 35 | 26 | 14.3% | 6.06% |
| 15 | Bank of America | F | 33 | 9 | 60.6% | 6.49% |
| 16 | Crosscountry Mortgage | B | 33 | 19 | 6.1% | 6.58% |
| 17 | New Day Financial | F | 33 | 4 | 33.3% | 7.43% |
| 18 | Loandepot.Com | D | 33 | 12 | 54.6% | 6.31% |
| 19 | Broker Solutions | D | 32 | 3 | 12.5% | 7.25% |
| 20 | Triad Financial Services | D | 31 | 3 | 41.9% | 8.51% |
| 21 | Relyance Bank | – | 29 | 25 | 13.8% | — |
| 22 | Newrez | D | 25 | 10 | 8.0% | 6.25% |
| 23 | Coastal Community Bank | C | 23 | 5 | 13.0% | 10.49% |
| 24 | Spring Eq | D | 22 | 4 | 68.2% | 11.86% |
| 25 | Freedom Mortgage | B | 22 | 11 | 0.0% | 6.25% |
Best approval odds in Jefferson 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 | 69 | 0.0% |
| 2 | Mortgage Financial Services | 74 | 0.0% |
| 3 | PINE BLUFF COTTON BELT Federal Credit Union | 69 | 18.8% |
| 4 | Rocket Mortgage | 89 | 28.1% |
| 5 | Simmons Bank | 71 | 33.8% |
| 6 | 21st Mortgage | 50 | 66.0% |
What Jefferson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jefferson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,583 | 784 | 25.1% | 6.88% | $105,000 |
| 2024 | 1,624 | 698 | 28.5% | 6.99% | $105,000 |
| 2025 | 1,727 | 814 | 24.7% | 6.63% | $105,000 |
Frequently asked questions
24.7% of applications in Jefferson County were denied in 2025, against 18.2% statewide in Arkansas.
Rocket Mortgage, with 100 applications in 2025 and a denial rate of 25.0%.
The median mortgage application in Jefferson County in 2025 was for $105,000; the median property value on originated loans was $175,000.