Largest lenders in Montgomery County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Southern Bancorp Bank | C | 43 | 36 | 4.7% | 7.50% |
| 2 | Diamond Bank | C | 32 | 19 | 18.8% | — |
| 3 | 21st Mortgage | F | 22 | 6 | 54.6% | 9.92% |
| 4 | Rocket Mortgage | C | 22 | 15 | 22.7% | 6.63% |
| 5 | Vanderbilt Mortgage and Finance | F | 20 | 3 | 35.0% | 9.99% |
| 6 | Triad Financial Services | D | 18 | 0 | 61.1% | — |
| 7 | Arvest Bank | C | 17 | 9 | 5.9% | 7.50% |
| 8 | Credit Human Federal Credit Union | D | 11 | 0 | 90.9% | — |
| 9 | ARKANSAS Federal Credit Union | F | 11 | 7 | 18.2% | 7.60% |
| 10 | Mortgage Research Center | C | 6 | 1 | 50.0% | 6.25% |
| 11 | Primary Residential Mortgage | C | 6 | 6 | 0.0% | 7.19% |
| 12 | Equity Prime Mortgage | D | 5 | 1 | 0.0% | 7.75% |
| 13 | United Shore Financial Services | B | 5 | 5 | 0.0% | 6.40% |
| 14 | Coastal Community Bank | C | 5 | 1 | 0.0% | 12.74% |
| 15 | Union Bank | A | 5 | 5 | 0.0% | — |
What Montgomery County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Montgomery County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 260 | 127 | 29.2% | 7.63% | $120,000 |
| 2024 | 308 | 154 | 28.9% | 7.85% | $115,000 |
| 2025 | 323 | 164 | 23.2% | 7.25% | $115,000 |
Frequently asked questions
23.2% of applications in Montgomery County were denied in 2025, against 18.2% statewide in Arkansas.
Southern Bancorp Bank, with 43 applications in 2025 and a denial rate of 4.7%.
The median mortgage application in Montgomery County in 2025 was for $115,000; the median property value on originated loans was $235,000.