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Saline County, Arkansas · 2025

Mortgage lenders in Saline County, AR: denial rates and top lenders (2025)

273 lenders acted on 6,124 mortgage applications for properties in Saline County in 2025. 17.5% were denied (Arkansas: 18.2%). Median rate on closed loans 6.63%; median loan $185,000; median property value $275,000.

6.1kApplications
17.5%Denial ratestate 18.2%
6.63%Median ratestate 6.63%
$185,000Median loan
$275,000Median property value

Largest lenders in Saline County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 ARKANSAS Federal Credit Union F 404236 21.8%7.50%
2 Arvest Bank C 326226 13.8%7.00%
3 Vanderbilt Mortgage and Finance F 29625 40.9%10.75%
4 Rocket Mortgage C 266194 17.3%6.63%
5 Eustis Mortgage B 264245 0.4%6.49%
6 Firsttrust Home Loans B 251213 0.4%6.49%
7 Eagle Bank and Trust A 178142 5.1%6.63%
8 United Shore Financial Services B 152119 10.5%6.12%
9 Mortgage Research Center C 14569 14.5%6.25%
10 Regions Bank C 14462 38.9%6.69%
11 First Security Bank C 140118 8.6%7.50%
12 Pennymac Loan Services C 13072 11.5%6.50%
13 Freedom Mortgage B 12650 11.1%6.13%
14 Bank OZK C 12351 36.6%6.13%
15 Better Mortgage F 11879 19.5%6.63%
16 21st Mortgage F 10518 41.0%10.11%
17 Triad Financial Services D 1029 46.1%9.37%
18 U.S. Bank D 9255 27.2%6.99%
19 Simmons Bank C 8350 24.1%6.13%
20 Credit Human Federal Credit Union D 801 87.5%8.30%
21 Dhi Mortgage Company B 7947 8.9%5.19%
22 First Horizon Bank B 7755 14.3%6.50%
23 Flat Branch Mortgage A 7559 0.0%6.25%
24 Navy Federal Credit Union D 6424 17.2%6.81%
25 Newrez D 6320 22.2%6.25%

Best approval odds in Saline County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Flat Branch Mortgage620.0%
2Eustis Mortgage2460.4%
3Firsttrust Home Loans2140.5%
4Eagle Bank and Trust1516.0%
5First Security Bank1339.0%
6United Shore Financial Services13811.6%
7Dhi Mortgage Company5413.0%
8Arvest Bank27716.3%
9First Horizon Bank6716.4%
10Pennymac Loan Services8916.9%

What Saline County borrowers applied for

By loan purpose

Home purchase 3,469 57% · 13.7% denied
Refinance 876 14% · 13.7% denied
Cash-out refinance 731 12% · 22.6% denied
Home improvement 397 6% · 28.0% denied
Other / HELOC 651 11% · 30.9% denied

By loan type

Conventional 4,088 67% · 20.2% denied
FHA 1,143 19% · 12.8% denied
VA 787 13% · 11.3% denied
USDA / RHS 106 2% · 10.4% denied

Why applications were denied

Credit history 390 37%
Debt-to-income ratio 249 23%
Collateral 124 12%
Incomplete application 105 10%
Other 98 9%
Unverifiable information 74 7%
Insufficient cash 19 2%
Employment history 9 1%

Saline County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,1012,76721.0%6.99%$155,000
20245,8033,24520.5%6.75%$165,000
20256,1243,56617.5%6.63%$185,000

Frequently asked questions

17.5% of applications in Saline County were denied in 2025, against 18.2% statewide in Arkansas.

ARKANSAS Federal Credit Union, with 404 applications in 2025 and a denial rate of 21.8%.

The median mortgage application in Saline County in 2025 was for $185,000; the median property value on originated loans was $275,000.