Refinancing lenders in Franklin County
58 refinancing mortgages were made in Franklin County, Arkansas, in 2025, by 37 lenders. The median rate their borrowers got was 6.313% on a median loan of $145,000. Of 75 decisions, 15 were denials — 20.0%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Union Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Services of Western Arkansas, ACA | 5 | Under 10 loans | Under 10 loans | 28.6% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Firstar Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Rocket Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Priority Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST WESTERN MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Fort Smith | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens' Bank & Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE CLEARING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Armstrong Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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. 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.