Largest lenders in Scott County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Union Bank | A | 36 | 34 | 5.6% | — |
| 2 | Arvest Bank | C | 35 | 22 | 8.6% | 7.20% |
| 3 | Chambers Bank | C | 26 | 18 | 15.4% | — |
| 4 | 21st Mortgage | F | 19 | 5 | 47.4% | 9.35% |
| 5 | Vanderbilt Mortgage and Finance | F | 14 | 0 | 50.0% | — |
| 6 | Mortgage Research Center | C | 13 | 3 | 23.1% | 6.50% |
| 7 | Triad Financial Services | D | 13 | 3 | 46.2% | 9.87% |
| 8 | Fairway Independent Mortgage | B | 11 | 6 | 9.1% | 6.69% |
| 9 | Rocket Mortgage | C | 11 | 3 | 27.3% | 5.99% |
| 10 | Firsttrust Home Loans | B | 9 | 9 | 0.0% | 6.49% |
| 11 | Farmers Bank | C | 6 | 5 | 16.7% | — |
| 12 | United Federal Credit Union | D | 5 | 3 | 40.0% | 7.25% |
| 13 | ARKANSAS Federal Credit Union | F | 5 | 2 | 40.0% | 9.10% |
What Scott County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Scott County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 257 | 140 | 22.6% | 6.85% | $95,000 |
| 2024 | 263 | 138 | 24.7% | 7.00% | $105,000 |
| 2025 | 295 | 150 | 24.4% | 6.99% | $115,000 |
Frequently asked questions
24.4% of applications in Scott County were denied in 2025, against 18.2% statewide in Arkansas.
Union Bank, with 36 applications in 2025 and a denial rate of 5.6%.
The median mortgage application in Scott County in 2025 was for $115,000; the median property value on originated loans was $165,000.