Largest lenders in Polk County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Union Bank | A | 181 | 178 | 1.7% | — |
| 2 | 21st Mortgage | F | 42 | 8 | 47.6% | 10.09% |
| 3 | Arvest Bank | C | 37 | 18 | 8.1% | 6.88% |
| 4 | Rocket Mortgage | C | 33 | 23 | 21.2% | 6.75% |
| 5 | Firsttrust Home Loans | B | 29 | 27 | 0.0% | 6.63% |
| 6 | Triad Financial Services | D | 28 | 0 | 50.0% | — |
| 7 | Vanderbilt Mortgage and Finance | F | 21 | 3 | 47.6% | 9.50% |
| 8 | AmeriSave Mortgage | D | 19 | 3 | 79.0% | 8.75% |
| 9 | Mortgage Research Center | C | 19 | 12 | 10.5% | 6.38% |
| 10 | Chambers Bank | C | 15 | 8 | 33.3% | — |
| 11 | Diamond Bank | C | 14 | 13 | 0.0% | — |
| 12 | Fairway Independent Mortgage | B | 13 | 8 | 0.0% | 6.50% |
| 13 | Credit Human Federal Credit Union | D | 11 | 0 | 63.6% | — |
| 14 | United Shore Financial Services | B | 10 | 8 | 10.0% | 5.85% |
| 15 | Pennymac Loan Services | C | 9 | 3 | 22.2% | 8.63% |
| 16 | Freedom Mortgage | B | 9 | 5 | 22.2% | 6.25% |
| 17 | Newrez | D | 9 | 4 | 0.0% | 7.69% |
| 18 | Loandepot.Com | D | 9 | 4 | 11.1% | 6.81% |
| 19 | First Financial Bank | B | 9 | 8 | 11.1% | 7.25% |
| 20 | Broker Solutions | D | 8 | 2 | 0.0% | 7.25% |
| 21 | New Day Financial | F | 7 | 0 | 28.6% | — |
| 22 | Regions Bank | C | 6 | 1 | 50.0% | 6.38% |
| 23 | Guaranteed Rate | B | 6 | 3 | 33.3% | 5.99% |
| 24 | Farm Credit Services of Western Arkansas, ACA | C | 6 | 4 | 16.7% | 6.58% |
| 25 | Discover Bank | F | 5 | 0 | 100.0% | — |
Best approval odds in Polk County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Union Bank | 181 | 1.7% |
What Polk County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Polk County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 421 | 173 | 30.6% | 7.12% | $115,000 |
| 2024 | 579 | 326 | 18.7% | 6.99% | $125,000 |
| 2025 | 694 | 414 | 19.3% | 6.75% | $145,000 |
Frequently asked questions
19.3% of applications in Polk County were denied in 2025, against 18.2% statewide in Arkansas.
Union Bank, with 181 applications in 2025 and a denial rate of 1.7%.
The median mortgage application in Polk County in 2025 was for $145,000; the median property value on originated loans was $245,000.