Largest lenders in Sevier County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Horatio State Bank | B | 103 | 89 | 5.8% | — |
| 2 | Rocket Mortgage | C | 30 | 26 | 10.0% | 6.63% |
| 3 | Diamond Bank | C | 26 | 17 | 11.5% | — |
| 4 | Vanderbilt Mortgage and Finance | F | 21 | 4 | 14.3% | 9.12% |
| 5 | 21st Mortgage | F | 18 | 2 | 33.3% | 10.40% |
| 6 | Cadence Bank | B | 15 | 7 | 40.0% | 7.25% |
| 7 | Triad Financial Services | D | 15 | 3 | 40.0% | 8.39% |
| 8 | Farmers Bank & Trust | C | 13 | 11 | 7.7% | 8.00% |
| 9 | Swbc Mortgage | A | 12 | 11 | 0.0% | 6.50% |
| 10 | Mortgage Research Center | C | 12 | 3 | 50.0% | 7.13% |
| 11 | Southern Bancorp Bank | C | 11 | 4 | 54.6% | 7.50% |
| 12 | Red River Employees Federal Credit Union | C | 11 | 7 | 18.2% | — |
| 13 | United Shore Financial Services | B | 9 | 3 | 44.4% | 6.00% |
| 14 | Firsttrust Home Loans | B | 8 | 7 | 0.0% | 6.25% |
| 15 | Farm Credit Services of Western Arkansas, ACA | C | 7 | 6 | 14.3% | 6.55% |
| 16 | Highlands Residential Mortgage | B | 7 | 5 | 0.0% | 6.63% |
| 17 | Pennymac Loan Services | C | 6 | 1 | 16.7% | 6.25% |
| 18 | Union Bank | A | 6 | 6 | 0.0% | — |
| 19 | New Day Financial | F | 5 | 0 | 40.0% | — |
| 20 | Credit Human Federal Credit Union | D | 5 | 0 | 80.0% | — |
Best approval odds in Sevier County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Horatio State Bank | 97 | 6.2% |
What Sevier County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sevier County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 307 | 174 | 22.8% | 7.13% | $105,000 |
| 2024 | 354 | 215 | 18.1% | 7.25% | $105,000 |
| 2025 | 410 | 236 | 17.8% | 6.75% | $110,000 |
Frequently asked questions
17.8% of applications in Sevier County were denied in 2025, against 18.2% statewide in Arkansas.
Horatio State Bank, with 103 applications in 2025 and a denial rate of 5.8%.
The median mortgage application in Sevier County in 2025 was for $110,000; the median property value on originated loans was $215,000.