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Washington County, Arkansas · 2025

Mortgage lenders in Washington County, AR: denial rates and top lenders (2025)

371 lenders acted on 9,891 mortgage applications for properties in Washington County in 2025. 13.5% were denied (Arkansas: 18.2%). Median rate on closed loans 6.63%; median loan $245,000; median property value $365,000.

9.9kApplications
13.5%Denial ratestate 18.2%
6.63%Median ratestate 6.63%
$245,000Median loan
$365,000Median property value

Largest lenders in Washington County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Arvest Bank C 1,8661,291 13.8%7.13%
2 Rocket Mortgage C 449333 16.0%6.50%
3 Dhi Mortgage Company B 420268 11.0%5.50%
4 Flat Branch Mortgage A 319268 0.6%6.43%
5 Centennial Bank D 229146 14.0%6.38%
6 ARKANSAS Federal Credit Union F 17379 27.8%8.25%
7 First Security Bank C 164135 4.9%7.65%
8 Signature Bank of Arkansas A 160135 3.1%—
9 United Shore Financial Services B 155108 11.6%6.10%
10 Vanderbilt Mortgage and Finance F 15018 38.0%10.12%
11 Mortgage Research Center C 14573 13.8%6.25%
12 Pennymac Loan Services C 14361 14.0%6.38%
13 United Federal Credit Union D 13984 23.7%6.88%
14 Priority Bank A 127113 0.8%6.25%
15 Newrez D 12536 18.4%6.25%
16 My Move Mortgage A 12283 1.6%6.50%
17 Lendlo Mortgage A 12195 5.8%6.13%
18 Gateway First Bank B 11899 3.4%6.25%
19 Freedom Mortgage B 11736 7.7%6.25%
20 Generations Bank B 11489 6.1%6.50%
21 Simmons Bank C 11163 26.1%6.50%
22 Bank of America F 10540 28.6%6.49%
23 Lennar Mortgage A 10570 19.1%5.50%
24 Associated Mortgage A 10171 1.0%6.50%
25 Regions Bank C 10053 35.0%6.13%

Best approval odds in Washington County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Highlands Residential Mortgage550.0%
2Flat Branch Mortgage2700.7%
3Priority Bank1140.9%
4Associated Mortgage841.2%
5Legacy National Bank701.4%
6My Move Mortgage852.4%
7The First National Bank of Fort Smith663.0%
8Coastal Community Bank643.1%
9Signature Bank of Arkansas1403.6%
10Zillow Home Loans543.7%

What Washington County borrowers applied for

By loan purpose

Home purchase 5,218 53% · 8.3% denied
Refinance 1,535 16% · 11.7% denied
Cash-out refinance 1,253 13% · 18.8% denied
Home improvement 808 8% · 22.8% denied
Other / HELOC 1,077 11% · 28.3% denied

By loan type

Conventional 7,674 78% · 13.8% denied
FHA 1,453 15% · 13.1% denied
VA 677 7% · 12.1% denied
USDA / RHS 87 1% · 12.6% denied

Why applications were denied

Debt-to-income ratio 492 37%
Credit history 304 23%
Collateral 166 13%
Incomplete application 146 11%
Other 99 8%
Unverifiable information 67 5%
Insufficient cash 24 2%
Employment history 15 1%

Washington County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,1925,05516.1%6.88%$215,000
20249,0285,71814.1%6.88%$225,000
20259,8916,23013.5%6.63%$245,000

Frequently asked questions

13.5% of applications in Washington County were denied in 2025, against 18.2% statewide in Arkansas.

Arvest Bank, with 1,866 applications in 2025 and a denial rate of 13.8%.

The median mortgage application in Washington County in 2025 was for $245,000; the median property value on originated loans was $365,000.