Largest lenders in St. Francis County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 54 | 9 | 68.5% | 11.02% |
| 2 | Rocket Mortgage | C | 29 | 15 | 34.5% | 6.99% |
| 3 | Vanderbilt Mortgage and Finance | F | 27 | 2 | 40.7% | 8.25% |
| 4 | First National Bank of Eastern Arkansas | – | 21 | 20 | 4.8% | — |
| 5 | Regions Bank | C | 20 | 4 | 65.0% | 6.12% |
| 6 | Pennymac Loan Services | C | 18 | 3 | 33.3% | 5.88% |
| 7 | Firsttrust Home Loans | B | 17 | 14 | 0.0% | 6.69% |
| 8 | Credit Human Federal Credit Union | D | 15 | 0 | 93.3% | — |
| 9 | Triad Financial Services | D | 15 | 2 | 73.3% | 9.72% |
| 10 | Broker Solutions | D | 11 | 0 | 27.3% | — |
| 11 | Everett Financial | C | 10 | 9 | 0.0% | 6.88% |
| 12 | Newrez | D | 9 | 3 | 66.7% | 6.38% |
| 13 | AmeriSave Mortgage | D | 8 | 1 | 75.0% | 7.13% |
| 14 | New Day Financial | F | 7 | 2 | 14.3% | 6.74% |
| 15 | United Shore Financial Services | B | 7 | 6 | 0.0% | 7.81% |
| 16 | Mortgage Financial Services | B | 7 | 5 | 0.0% | 6.88% |
| 17 | Armor Bank | – | 7 | 6 | 14.3% | — |
| 18 | ARKANSAS Federal Credit Union | F | 5 | 2 | 40.0% | 7.18% |
| 19 | Mortgage Research Center | C | 5 | 2 | 40.0% | 6.50% |
| 20 | Loandepot.Com | D | 5 | 3 | 20.0% | 5.99% |
| 21 | Primary Residential Mortgage | C | 5 | 5 | 0.0% | 6.88% |
| 22 | Cross Bank | – | 5 | 4 | 0.0% | — |
What St. Francis County borrowers applied for
By loan purpose
By loan type
Why applications were denied
St. Francis County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 339 | 136 | 38.6% | 6.75% | $85,000 |
| 2024 | 342 | 132 | 30.4% | 6.75% | $95,000 |
| 2025 | 393 | 150 | 37.4% | 6.88% | $105,000 |
Frequently asked questions
37.4% of applications in St. Francis County were denied in 2025, against 18.2% statewide in Arkansas.
21st Mortgage, with 54 applications in 2025 and a denial rate of 68.5%.
The median mortgage application in St. Francis County in 2025 was for $105,000; the median property value on originated loans was $135,000.