Mortgage lenders in Sebastian County
2,567 mortgages were made in Sebastian County, Arkansas, in 2025, by 236 lenders. The median rate their borrowers got was 6.625% on a median loan of $155,000. Of 3,390 decisions, 700 were denials — 20.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Arvest Bank | 352 | 6.750% | $125,000 | 16.1% |
| Rocket Mortgage, LLC | 157 | 6.625% | $155,000 | 18.4% |
| Cadence Bank | 149 | 7.000% | $105,000 | 18.9% |
| Firstar Bank | 137 | 6.750% | $185,000 | 4.9% |
| UNITED FEDERAL CREDIT UNION | 110 | 7.050% | $85,000 | 31.6% |
| The First National Bank of Fort Smith | 99 | 6.625% | $155,000 | 5.7% |
| Armstrong Bank | 90 | 7.509% | $165,000 | 2.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 81 | 6.490% | $175,000 | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 81 | 6.125% | $195,000 | 0.0% |
| Farmers Bank | 76 | Not published | $110,000 | 17.4% |
| ARKANSAS Federal Credit Union | 68 | 7.550% | $55,000 | 36.4% |
| First Financial Bank | 62 | 6.375% | $205,000 | 3.1% |
| Regions Bank | 58 | 4.990% | $55,000 | 46.8% |
| Mortgage Research Center, LLC | 54 | 6.250% | $225,000 | 34.9% |
| SWBC MORTGAGE CORPORATION | 53 | 6.375% | $195,000 | 1.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 49 | 5.750% | $235,000 | 18.3% |
| Bank OZK | 45 | 6.500% | $105,000 | 23.7% |
| FLAT BRANCH MORTGAGE, INC. | 37 | 6.375% | $185,000 | 0.0% |
| FIRST WESTERN MORTGAGE, INC. | 35 | 6.125% | $245,000 | 9.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 35 | 6.375% | $235,000 | 5.3% |
| Fairway Independent Mortgage Corporation | 27 | 6.625% | $145,000 | 0.0% |
| First Security Bank | 26 | 7.750% | $215,000 | 3.7% |
| Chambers Bank | 25 | Not published | $225,000 | 18.8% |
| Simmons Bank | 22 | 4.990% | $125,000 | 29.0% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 6.370% | $145,000 | 29.0% |
| NATIONSTAR MORTGAGE LLC | 20 | 8.938% | $95,000 | 22.2% |
| First Community Bank | 20 | 8.250% | $105,000 | 0.0% |
| FIGURE LENDING LLC | 18 | 8.650% | $55,000 | 26.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 18 | 6.490% | $215,000 | 0.0% |
| AmeriSave Mortgage Corporation | 17 | 9.125% | $55,000 | 66.0% |
| FREEDOM MORTGAGE CORPORATION | 17 | 6.125% | $245,000 | 25.9% |
| U.S. Bank National Association | 16 | 8.275% | $80,000 | 57.1% |
| Citizens' Bank & Trust Co. | 16 | Not published | $140,000 | 20.0% |
| USAA Federal Savings Bank | 16 | 5.688% | $265,000 | 0.0% |
| Loandepot.Com, LLC | 14 | 6.625% | $115,000 | 42.3% |
| Navy Federal Credit Union | 13 | 5.625% | $185,000 | 35.0% |
| GUILD MORTGAGE COMPANY | 13 | 6.375% | $215,000 | 0.0% |
| First Western Bank | 13 | Not published | $235,000 | 7.1% |
| Generations Bank | 11 | 7.750% | $145,000 | 15.4% |
| Bank of America, National Association | 10 | 6.486% | $105,000 | 33.3% |
| T2 FINANCIAL LLC | 10 | 6.625% | $210,000 | 9.1% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 63.3% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Gateway First Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 4.0% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 38.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 43.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Farm Credit Services of Western Arkansas, ACA | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Signature Bank of Arkansas | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDLO MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 83.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 66.7% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Union Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 66.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 12.5% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AML FUNDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 55.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Eagle Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Priority Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Today's Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cross Keys Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Liberty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLES BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| People's Bank of Seneca | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Service Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Local Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| POLARIS HOME FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UNITED BUILT HOMES, L.L.C. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Midwest Mortgage Associates Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 36 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Sebastian County
54 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The First National Bank of Fort Smith | 11 | $1.2 billion |
| Farmers Bank | 9 | $234.3 million |
| Arvest Bank | 6 | $941.8 million |
| The Huntington National Bank | 5 | $390.6 million |
| Bank OZK | 3 | $226.4 million |
| Regions Bank | 3 | $208.2 million |
| Simmons Bank | 3 | $121.0 million |
| Armstrong Bank | 2 | $156.8 million |
| First Security Bank | 2 | $140.7 million |
| Chambers Bank | 2 | $90.8 million |
| Centennial Bank | 2 | $40.0 million |
| First National Bank Texas | 2 | $3.6 million |
| First Western Bank | 1 | $68.5 million |
| Firstar Bank | 1 | $56.4 million |
| Today's Bank | 1 | $35.8 million |
| Grand Savings Bank | 1 | $22.3 million |
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 1222 Rogers Ave, Fort Smith
- Cadence Bank, 3117 Grand Ave, Fort Smith
- Cadence Bank, 5800 Highway 71 S, Fort Smith
- Cadence Bank, 7000 Rogers Ave, Fort Smith
- Cadence Bank, 803 W Center St, Greenwood
Get told when this changes
When the next year’s lending figures are out for Sebastian County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.