Largest lenders in Benton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Community National Bank & Trust | C | 165 | 141 | 3.6% | 8.00% |
| 2 | Hawthorn Bank | A | 68 | 47 | 25.0% | 7.25% |
| 3 | Rocket Mortgage | C | 46 | 30 | 26.1% | 6.99% |
| 4 | Equity Bank | A | 41 | 29 | 19.5% | 5.99% |
| 5 | Mortgage Research Center | C | 38 | 20 | 7.9% | 6.63% |
| 6 | The Central Trust Bank | C | 31 | 23 | 12.9% | 6.75% |
| 7 | Community Mortgage | A | 31 | 26 | 0.0% | 6.38% |
| 8 | Flat Branch Mortgage | A | 30 | 25 | 0.0% | 6.63% |
| 9 | Freedom Mortgage | B | 29 | 15 | 13.8% | 6.25% |
| 10 | Pennymac Loan Services | C | 22 | 11 | 4.6% | 6.00% |
| 11 | AmeriSave Mortgage | D | 20 | 5 | 60.0% | 6.75% |
| 12 | Crosscountry Mortgage | B | 19 | 15 | 0.0% | 7.25% |
| 13 | Loandepot.Com | D | 16 | 6 | 50.0% | 6.63% |
| 14 | New Day Financial | F | 13 | 3 | 15.4% | 6.74% |
| 15 | Gateway First Bank | B | 13 | 10 | 7.7% | 6.50% |
| 16 | Communityamerica Credit Union | B | 13 | 9 | 7.7% | 6.00% |
| 17 | UMB Bank | B | 12 | 7 | 41.7% | 6.13% |
| 18 | United Shore Financial Services | B | 12 | 9 | 16.7% | 6.63% |
| 19 | U.S. Bank | D | 11 | 7 | 36.4% | 6.49% |
| 20 | Broker Solutions | D | 11 | 3 | 27.3% | 6.99% |
| 21 | Navy Federal Credit Union | D | 10 | 6 | 30.0% | 6.19% |
| 22 | Wood & Huston Bank | A | 8 | 7 | 0.0% | — |
| 23 | Fairway Independent Mortgage | B | 8 | 5 | 12.5% | 7.38% |
| 24 | Bank of America | F | 7 | 4 | 42.9% | 6.94% |
| 25 | Oakstar Bank | A | 7 | 7 | 0.0% | 7.50% |
Best approval odds in Benton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Community National Bank & Trust | 149 | 4.0% |
| 2 | Hawthorn Bank | 64 | 26.6% |
What Benton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Benton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 734 | 472 | 15.4% | 7.13% | $115,000 |
| 2024 | 848 | 547 | 16.6% | 7.25% | $125,000 |
| 2025 | 938 | 629 | 15.1% | 6.99% | $135,000 |
Frequently asked questions
15.1% of applications in Benton County were denied in 2025, against 15.1% statewide in Missouri.
Community National Bank & Trust, with 165 applications in 2025 and a denial rate of 3.6%.
The median mortgage application in Benton County in 2025 was for $135,000; the median property value on originated loans was $235,000.