Mortgage lending in Sebastian County, Arkansas
Lenders in Sebastian County, Arkansas reported 4,326 mortgage applications for 2025, according to the CFPB.
4,326 mortgage applications and 2,567 loans originated in 2025; the denial rate was 20.6% of 3,391 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Fort Smith, AR-OK MSA.
- 4,326
- Applications
- 2,567
- Loans originated
- 20.6%
- Denial rate
- 700 denied of 3,391 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,326 | 2,567 |
| 2024 | 3,959 | 2,438 |
| 2023 | 3,691 | 2,159 |
| 2022 | 4,900 | 2,957 |
| 2021 | 6,732 | 4,414 |
| 2020 | 5,972 | 4,020 |
| 2019 | 4,324 | 2,866 |
| 2018 | 3,876 | 2,594 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Arvest Bank | 352 | 535 |
| Rocket Mortgage | 157 | 205 |
| Cadence Bank | 149 | 222 |
| Firstar Bank | 137 | 169 |
| United Federal Credit Union | 110 | 184 |
| First National Bank of Fort Smith | 99 | 120 |
| Armstrong Bank | 90 | 108 |
| FirstTrust Home Loans | 81 | 104 |
| Highlands Residential Mortgage, Ltd. | 81 | 107 |
| Farmers Bank | 76 | 98 |
| Arkansas Federal Credit Union | 68 | 137 |
| First Financial Bank | 62 | 83 |
| Regions Bank | 58 | 142 |
| Mortgage Research Center | 54 | 126 |
| SWBC Mortgage Corporation | 53 | 73 |
| United Wholesale Mortgage | 49 | 68 |
| Bank Ozk | 45 | 73 |
| Flat Branch Mortgage, Inc. | 37 | 58 |
| First Western Mortgage | 35 | 51 |
| First Community Mortgage, Inc. | 35 | 40 |
| Fairway Independent Mort Corp | 27 | 39 |
| First Security Bank | 26 | 27 |
| Chambers Bank | 25 | 35 |
| Simmons Bank | 22 | 33 |
| First Community Bank | 20 | 20 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 69 | 49.0% of 51 decided |
| Asian | 151 | 23.5% of 119 decided |
| Black or African American | 127 | 30.9% of 94 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,077 | 19.4% of 2,475 decided |
| 2 or more minority races | under 10 | |
| Joint | 123 | 27.0% of 100 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 768 | 19.5% of 544 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 507 | 22.9% of 402 decided |
| Not Hispanic or Latino | 2,949 | 19.9% of 2,373 decided |
| Joint | 90 | 31.3% of 64 decided |
| Ethnicity Not Available | 780 | 21.0% of 552 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,412 | 22.1% of 1,114 decided |
| Female | 894 | 26.1% of 716 decided |
| Joint | 1,448 | 17.1% of 1,163 decided |
| Sex Not Available | 572 | 17.1% of 398 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1705 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved