Largest lenders in White County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Community Bank | C | 329 | 248 | 3.7% | 6.63% |
| 2 | First Security Bank | C | 210 | 183 | 4.3% | 7.25% |
| 3 | ARKANSAS Federal Credit Union | F | 195 | 92 | 20.5% | 7.50% |
| 4 | 21st Mortgage | F | 190 | 49 | 36.3% | 9.53% |
| 5 | Rocket Mortgage | C | 162 | 107 | 25.3% | 6.63% |
| 6 | Vanderbilt Mortgage and Finance | F | 146 | 14 | 48.0% | 10.63% |
| 7 | Regions Bank | C | 136 | 72 | 33.1% | 6.50% |
| 8 | Simmons Bank | C | 115 | 89 | 7.8% | 6.38% |
| 9 | Flat Branch Mortgage | A | 108 | 91 | 0.0% | 6.63% |
| 10 | Firsttrust Home Loans | B | 97 | 82 | 0.0% | 6.49% |
| 11 | Mortgage Research Center | C | 86 | 43 | 17.4% | 6.50% |
| 12 | Triad Financial Services | D | 63 | 8 | 54.0% | 8.99% |
| 13 | Credit Human Federal Credit Union | D | 61 | 1 | 93.4% | 7.80% |
| 14 | United Shore Financial Services | B | 59 | 43 | 13.6% | 6.13% |
| 15 | Centennial Bank | D | 52 | 26 | 26.9% | 7.38% |
| 16 | Freedom Mortgage | B | 51 | 25 | 9.8% | 6.25% |
| 17 | New Day Financial | F | 48 | 8 | 27.1% | 6.74% |
| 18 | Pennymac Loan Services | C | 46 | 22 | 6.5% | 6.06% |
| 19 | Southern Bank | A | 40 | 30 | 7.5% | 7.50% |
| 20 | AmeriSave Mortgage | D | 35 | 7 | 65.7% | 6.63% |
| 21 | Coastal Community Bank | C | 35 | 7 | 0.0% | 10.24% |
| 22 | Sente Mortgage | C | 33 | 27 | 0.0% | 6.50% |
| 23 | Broker Solutions | D | 33 | 9 | 3.0% | 6.99% |
| 24 | Loandepot.Com | D | 32 | 11 | 50.0% | 7.25% |
| 25 | Premier Mortgage Resources | B | 30 | 18 | 3.3% | 6.25% |
Best approval odds in White 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 | 82 | 0.0% |
| 2 | Flat Branch Mortgage | 91 | 0.0% |
| 3 | First Community Bank | 261 | 4.6% |
| 4 | First Security Bank | 194 | 4.6% |
| 5 | Simmons Bank | 101 | 8.9% |
| 6 | United Shore Financial Services | 53 | 15.1% |
| 7 | Mortgage Research Center | 58 | 25.9% |
| 8 | Rocket Mortgage | 152 | 27.0% |
| 9 | ARKANSAS Federal Credit Union | 132 | 30.3% |
| 10 | Regions Bank | 123 | 36.6% |
What White County borrowers applied for
By loan purpose
By loan type
Why applications were denied
White County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,694 | 1,306 | 26.7% | 7.00% | $125,000 |
| 2024 | 2,889 | 1,475 | 22.6% | 6.99% | $135,000 |
| 2025 | 3,176 | 1,735 | 19.5% | 6.63% | $135,000 |
Frequently asked questions
19.5% of applications in White County were denied in 2025, against 18.2% statewide in Arkansas.
First Community Bank, with 329 applications in 2025 and a denial rate of 3.7%.
The median mortgage application in White County in 2025 was for $135,000; the median property value on originated loans was $215,000.