Largest lenders in Sebastian County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 535 | 352 | 12.9% | 6.75% |
| 2 | Cadence Bank | B | 222 | 149 | 16.2% | 7.00% |
| 3 | Rocket Mortgage | C | 205 | 157 | 17.6% | 6.63% |
| 4 | United Federal Credit Union | D | 184 | 110 | 28.8% | 7.05% |
| 5 | Firstar Bank | B | 169 | 137 | 4.1% | 6.75% |
| 6 | Regions Bank | C | 142 | 58 | 41.6% | 4.99% |
| 7 | ARKANSAS Federal Credit Union | F | 137 | 68 | 28.5% | 7.55% |
| 8 | Mortgage Research Center | C | 126 | 54 | 23.8% | 6.25% |
| 9 | The First National Bank of Fort Smith | B | 120 | 99 | 5.0% | 6.63% |
| 10 | Armstrong Bank | B | 108 | 90 | 1.9% | 7.51% |
| 11 | Highlands Residential Mortgage | B | 107 | 81 | 0.0% | 6.49% |
| 12 | Firsttrust Home Loans | B | 104 | 81 | 0.0% | 6.13% |
| 13 | Farmers Bank | C | 98 | 76 | 16.3% | — |
| 14 | First Financial Bank | B | 83 | 62 | 2.4% | 6.38% |
| 15 | Kiavi Funding | D | 80 | 2 | 1.3% | 10.25% |
| 16 | Bank OZK | C | 73 | 45 | 19.2% | 6.50% |
| 17 | Swbc Mortgage | A | 73 | 53 | 1.4% | 6.38% |
| 18 | United Shore Financial Services | B | 68 | 49 | 16.2% | 5.75% |
| 19 | Flat Branch Mortgage | A | 58 | 37 | 0.0% | 6.38% |
| 20 | AmeriSave Mortgage | D | 57 | 17 | 57.9% | 9.13% |
| 21 | Freedom Mortgage | B | 54 | 17 | 13.0% | 6.13% |
| 22 | Pennymac Loan Services | C | 53 | 20 | 17.0% | 6.37% |
| 23 | First Western Mortgage | B | 51 | 35 | 7.8% | 6.13% |
| 24 | U.S. Bank | D | 49 | 16 | 49.0% | 8.28% |
| 25 | Broker Solutions | D | 46 | 8 | 17.4% | 6.99% |
Best approval odds in Sebastian 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 | 81 | 0.0% |
| 2 | Highlands Residential Mortgage | 85 | 0.0% |
| 3 | Swbc Mortgage | 58 | 1.7% |
| 4 | Armstrong Bank | 98 | 2.0% |
| 5 | First Financial Bank | 65 | 3.1% |
| 6 | Firstar Bank | 144 | 4.9% |
| 7 | The First National Bank of Fort Smith | 105 | 5.7% |
| 8 | Arvest Bank | 428 | 16.1% |
| 9 | Farmers Bank | 92 | 17.4% |
| 10 | United Shore Financial Services | 60 | 18.3% |
What Sebastian County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sebastian County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,691 | 2,159 | 19.2% | 7.00% | $125,000 |
| 2024 | 3,959 | 2,438 | 17.3% | 6.88% | $135,000 |
| 2025 | 4,326 | 2,567 | 16.2% | 6.63% | $145,000 |
Frequently asked questions
16.2% of applications in Sebastian County were denied in 2025, against 18.2% statewide in Arkansas.
Arvest Bank, with 535 applications in 2025 and a denial rate of 12.9%.
The median mortgage application in Sebastian County in 2025 was for $145,000; the median property value on originated loans was $225,000.