Largest lenders in Sharp County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Community Bank | C | 92 | 67 | 9.8% | 6.88% |
| 2 | Rocket Mortgage | C | 43 | 30 | 16.3% | 6.49% |
| 3 | FNBC Bank | C | 43 | 35 | 7.0% | — |
| 4 | Mortgage Research Center | C | 36 | 17 | 0.0% | 6.75% |
| 5 | United Shore Financial Services | B | 29 | 18 | 13.8% | 5.94% |
| 6 | 21st Mortgage | F | 24 | 6 | 45.8% | 9.19% |
| 7 | Vanderbilt Mortgage and Finance | F | 23 | 3 | 43.5% | 10.99% |
| 8 | Click n' Close | C | 18 | 17 | 0.0% | 6.13% |
| 9 | Fairway Independent Mortgage | B | 15 | 14 | 6.7% | 6.49% |
| 10 | Arvest Bank | C | 14 | 9 | 0.0% | 7.00% |
| 11 | AmeriSave Mortgage | D | 14 | 2 | 71.4% | 6.19% |
| 12 | Freedom Mortgage | B | 14 | 7 | 7.1% | 5.88% |
| 13 | Loandepot.Com | D | 14 | 5 | 42.9% | 6.75% |
| 14 | New Day Financial | F | 12 | 3 | 8.3% | 6.99% |
| 15 | American Financial Resources | B | 12 | 11 | 0.0% | 6.50% |
| 16 | Pennymac Loan Services | C | 11 | 6 | 9.1% | 6.19% |
| 17 | ARKANSAS Federal Credit Union | F | 11 | 0 | 36.4% | — |
| 18 | Triad Financial Services | D | 11 | 0 | 54.6% | — |
| 19 | Equity Prime Mortgage | D | 9 | 8 | 0.0% | 6.44% |
| 20 | Evolve Bank & Trust | C | 9 | 8 | 0.0% | 7.25% |
| 21 | Newrez | D | 9 | 2 | 22.2% | 6.69% |
| 22 | Broker Solutions | D | 9 | 1 | 0.0% | 6.99% |
| 23 | Kiavi Funding | D | 9 | 1 | 0.0% | 11.25% |
| 24 | Cadence Bank | B | 8 | 6 | 0.0% | 7.50% |
| 25 | Figure Lending | C | 8 | 2 | 25.0% | 8.83% |
Best approval odds in Sharp County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Community Bank | 76 | 11.8% |
What Sharp County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sharp County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 580 | 330 | 19.1% | 7.00% | $105,000 |
| 2024 | 668 | 364 | 20.1% | 6.88% | $105,000 |
| 2025 | 689 | 398 | 15.8% | 6.63% | $125,000 |
Frequently asked questions
15.8% of applications in Sharp County were denied in 2025, against 18.2% statewide in Arkansas.
First Community Bank, with 92 applications in 2025 and a denial rate of 9.8%.
The median mortgage application in Sharp County in 2025 was for $125,000; the median property value on originated loans was $175,000.