Mortgage lenders in Garland County
2,357 mortgages were made in Garland County, Arkansas, in 2025, by 305 lenders. The median rate their borrowers got was 6.750% on a median loan of $175,000. Of 3,624 decisions, 1,080 were denials — 29.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Arvest Bank | 205 | 7.250% | $125,000 | 23.5% |
| Rocket Mortgage, LLC | 164 | 6.750% | $155,000 | 26.5% |
| SWBC MORTGAGE CORPORATION | 120 | 6.625% | $250,000 | 3.1% |
| ARKANSAS Federal Credit Union | 112 | 7.500% | $85,000 | 28.7% |
| Regions Bank | 91 | 6.500% | $55,000 | 42.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 86 | 5.999% | $230,000 | 17.3% |
| Southern Bancorp Bank | 76 | 7.500% | $170,000 | 5.8% |
| Bank OZK | 68 | 5.990% | $100,000 | 40.9% |
| FIRSTTRUST HOME LOANS, INC. | 66 | 6.625% | $185,000 | 0.0% |
| First Security Bank | 65 | 7.000% | $155,000 | 4.4% |
| Mortgage Research Center, LLC | 62 | 6.625% | $210,000 | 23.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 59 | 6.750% | $205,000 | 0.0% |
| U.S. Bank National Association | 43 | 7.000% | $105,000 | 54.3% |
| Simmons Bank | 40 | 6.500% | $170,000 | 24.1% |
| Fairway Independent Mortgage Corporation | 36 | 6.813% | $170,000 | 5.3% |
| NEWREZ LLC | 34 | 6.438% | $255,000 | 18.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 32 | 6.875% | $175,000 | 8.6% |
| COMMUNITY MORTGAGE CORPORATION | 31 | 6.124% | $185,000 | 6.1% |
| PENNYMAC LOAN SERVICES, LLC | 30 | 7.250% | $95,000 | 22.5% |
| BETTER MORTGAGE CORPORATION | 27 | 6.990% | $215,000 | 40.4% |
| Diamond Bank | 27 | Not published | $155,000 | 3.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 26 | 6.575% | $200,000 | 3.7% |
| EUSTIS MORTGAGE CORPORATION | 24 | 6.375% | $230,000 | 0.0% |
| Relyance Bank | 24 | Not published | $170,000 | 6.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 22 | 9.750% | $125,000 | 77.8% |
| 21st Mortgage Corporation | 20 | 10.095% | $105,000 | 79.3% |
| ENCORE BANK | 20 | 6.433% | $250,000 | 4.4% |
| JPMorgan Chase Bank, National Association | 20 | 6.490% | $280,000 | 19.2% |
| Diamond Lakes Federal Credit Union | 19 | 6.250% | $125,000 | 0.0% |
| Loandepot.Com, LLC | 17 | 6.990% | $95,000 | 58.5% |
| Cadence Bank | 17 | 7.500% | $235,000 | 21.7% |
| AmeriSave Mortgage Corporation | 16 | 8.500% | $75,000 | 72.1% |
| Broker Solutions, Inc. | 16 | 7.000% | $160,000 | 14.3% |
| NATIONSTAR MORTGAGE LLC | 16 | 7.000% | $160,000 | 27.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 16 | 6.563% | $160,000 | 10.0% |
| UNION HOME MORTGAGE CORP. | 16 | 6.188% | $225,000 | 20.0% |
| Eagle Bank and Trust Company | 16 | 6.625% | $210,000 | 0.0% |
| Navy Federal Credit Union | 14 | 6.250% | $205,000 | 30.0% |
| The Citizens Bank | 14 | 7.750% | $140,000 | 6.7% |
| FIGURE LENDING LLC | 13 | 9.200% | $45,000 | 25.9% |
| FIRST COMMUNITY MORTGAGE, INC. | 13 | 6.875% | $245,000 | 0.0% |
| Coastal Community Bank | 12 | 11.740% | $40,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 11 | 6.990% | $245,000 | 45.8% |
| TOP FLITE FINANCIAL, INC. | 11 | 6.625% | $215,000 | 26.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.375% | $185,000 | 15.4% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.500% | $250,000 | 13.3% |
| SOUTHWEST STAGE FUNDING, LLC | 10 | 7.450% | $170,000 | 13.3% |
| USAA Federal Savings Bank | 10 | 6.375% | $235,000 | 31.3% |
| Chambers Bank | 10 | Not published | $350,000 | 8.3% |
| First State Bank | 10 | Not published | $195,000 | 0.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 64.0% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 60.0% |
| ZILLOW HOME LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Farmers Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Armor Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| The Malvern National Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Service Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 79.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Community Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Services of Western Arkansas, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TELCOE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 69.2% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stone Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 67.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 45.5% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED BUILT HOMES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| State Bank of De Kalb | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 80.4% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Partners Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 57.1% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOPE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank of Mississippi | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Generations Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PINE BLUFF COTTON BELT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Capital Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Security Bank, Batesville, Mississippi | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bodcaw Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leaders Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Byron Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cross Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orion Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants and Farmers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Arkansas Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank & Trust Company of Delhi, Louisiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST WESTERN MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLES BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank & Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARTER FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sterling Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 105 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Garland County
45 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank OZK | 7 | $551.9 million |
| Regions Bank | 6 | $513.0 million |
| Arvest Bank | 5 | $591.5 million |
| Relyance Bank | 4 | $117.1 million |
| U.S. Bank National Association | 3 | $253.7 million |
| Simmons Bank | 3 | $221.4 million |
| Southern Bancorp Bank | 3 | $211.2 million |
| First Security Bank | 3 | $153.6 million |
| The Malvern National Bank | 3 | $84.8 million |
| Chambers Bank | 2 | $148.6 million |
| Diamond Bank | 2 | $133.7 million |
| The Citizens Bank | 2 | $76.5 million |
| The Huntington National Bank | 1 | $34.1 million |
| Armor Bank | 1 | $28.9 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Cadence Bank, 3400 Central Ave, Hot Springs
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When the next year’s lending figures are out for Garland 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.