DSCR Loans in Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across Arkansas, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. In 2025 HMDA data, 353 lenders made 8,223 investment-property loans in Arkansas; the most active are in the table below, and 14 counties have their own page.
Arkansas investor market at a glance
| Statistic | Arkansas | National | State rank |
|---|---|---|---|
| Investor loans | 8,223 | 553,332 | 26th of 51 |
| Reporting lenders | 353 | 4,120 | 28th of 51 |
| Loan volume | $3.96B | $190.57B | 15th of 51 |
| Average loan | $481K | $344K | 6th of 51 |
| Median loan | $145K | — | 41st of 51 |
| Purchases | 67.4% | 59.2% | 4th of 51 |
| Cash-out refinances | 5.7% | 18.8% | 50th of 51 |
| 2–4 unit properties | 17.4% | 17.3% | 27th of 51 |
| Top five lenders' share | 22.2% | 21.9% | 27th of 51 |
| Reported business-purpose | 63.6% | 70.8% | 36th of 51 |
Arkansas: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Arkansas
5.7% of Arkansas's investor loans were cash-out refinances, the 2nd-lowest share of the 50 states and DC (national figure: 18.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
67.4% of Arkansas's investor loans were purchases, the 4th-highest share of the 50 states and DC (national figure: 59.2%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
The average investor loan in Arkansas was $481K, the 6th-highest average of the 50 states and DC (national figure: $344K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Who are the DSCR and investment-property lenders in Arkansas?
The most active investment-property lenders in Arkansas in 2025 HMDA data were Arvest Bank, First Community Bank and Bank OZK, out of 353 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Arkansas, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Arkansas's 2025 filings to closed-end loans on 1–4 unit investment properties: 8,223 loans totaling $3.96B across 353 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Arvest Bank | 502 | $102.5M | $204K | 67.5% |
| First Community Bank | 420 | $67.7M | $161K | 74.0% |
| Bank OZK | 351 | $44.9M | $128K | 40.7% |
| First Security Bank | 348 | $68.2M | $196K | 67.0% |
| Southern Bancorp Bank | 201 | $26.6M | $132K | 68.7% |
| Simmons Bank | 182 | $33.9M | $186K | 72.0% |
| Signature Bank of Arkansas | 170 | $54.9M | $323K | 71.2% |
| United Wholesale Mortgage | 152 | $26.3M | $173K | 59.2% |
| Southern Bank | 146 | $22.1M | $151K | 76.7% |
| First Service Bank | 136 | $30.1M | $221K | 80.1% |
| Cadence Bank | 131 | $19.3M | $148K | 53.4% |
| Union Bank | 129 | $19.6M | $152K | 51.2% |
| Centennial Bank | 126 | $24.0M | $190K | 80.2% |
| GUARANTEED RATE, INC. | 123 | $18.1M | $147K | 88.6% |
| The Farmers & Merchants Bank | 120 | $24.5M | $204K | 58.3% |
| Armstrong Bank | 110 | $2426.5M | $22059K | 78.2% |
| Evolve Bank & Trust | 109 | $20.0M | $184K | 81.7% |
| FNBC Bank | 108 | $15.1M | $140K | 59.3% |
| First Western Bank | 107 | $33.6M | $314K | 83.2% |
| First National Bank | 106 | $19.0M | $179K | 68.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 101 | $16.0M | $158K | 78.2% |
| Rocket Mortgage, LLC | 100 | $16.9M | $169K | 39.0% |
| The Citizens Bank | 95 | $15.2M | $160K | 76.8% |
| The First National Bank of Fort Smith | 94 | $24.9M | $265K | 76.6% |
| Diamond Bank | 93 | $13.8M | $149K | 60.2% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 353 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Arkansas lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
DSCR loans by county in Arkansas
Each county page compares the county's 2025 HMDA investor-lending figures with Arkansas's and names its most active lenders. Counties are listed by investor loan count.
14 Arkansas counties have their own page so far.
- Pulaski County1,366 loans
- Benton County1,176 loans
- Washington County728 loans
- Craighead County566 loans
- Sebastian County334 loans
- Faulkner County330 loans
- Garland County295 loans
- Saline County284 loans
- Lonoke County185 loans
- White County174 loans
- Greene County (fewer than 25 reporting lenders in 2025)165 loans
- Pope County157 loans
- Boone County (fewer than 25 reporting lenders in 2025)150 loans
- Baxter County (fewer than 25 reporting lenders in 2025)117 loans
- Crawford County114 loans
- Jefferson County105 loans
- Miller County105 loans
- Independence County (fewer than 25 reporting lenders in 2025)100 loans
- Carroll County (fewer than 100 investor loans in 2025)99 loans
- Crittenden County (fewer than 100 investor loans in 2025)86 loans
- Mississippi County (fewer than 100 investor loans in 2025)75 loans
- Poinsett County (fewer than 100 investor loans in 2025)69 loans
- Cleburne County (fewer than 100 investor loans in 2025)68 loans
- Conway County (fewer than 100 investor loans in 2025)56 loans
- Polk County (fewer than 100 investor loans in 2025)54 loans
- Hot Spring County (fewer than 100 investor loans in 2025)53 loans
- Cross County (fewer than 100 investor loans in 2025)52 loans
- Union County (fewer than 100 investor loans in 2025)47 loans
- Clark County (fewer than 100 investor loans in 2025)45 loans
- Sevier County (fewer than 100 investor loans in 2025)45 loans
- Sharp County (fewer than 100 investor loans in 2025)42 loans
- Ashley County (fewer than 100 investor loans in 2025)38 loans
- Clay County (fewer than 100 investor loans in 2025)38 loans
- Franklin County (fewer than 100 investor loans in 2025)38 loans
- Arkansas County (fewer than 100 investor loans in 2025)37 loans
- Ouachita County (fewer than 100 investor loans in 2025)37 loans
- Johnson County (fewer than 100 investor loans in 2025)36 loans
- Yell County (fewer than 100 investor loans in 2025)35 loans
- Izard County (fewer than 100 investor loans in 2025)34 loans
- Van Buren County (fewer than 100 investor loans in 2025)34 loans
- Lawrence County (fewer than 100 investor loans in 2025)32 loans
- Montgomery County (fewer than 100 investor loans in 2025)32 loans
- Pike County (fewer than 100 investor loans in 2025)32 loans
- St. Francis County (fewer than 100 investor loans in 2025)32 loans
- Randolph County (fewer than 100 investor loans in 2025)31 loans
- Columbia County (fewer than 100 investor loans in 2025)30 loans
- Marion County (fewer than 100 investor loans in 2025)30 loans
- Madison County (fewer than 100 investor loans in 2025)29 loans
- Grant County (fewer than 100 investor loans in 2025)28 loans
- Hempstead County (fewer than 100 investor loans in 2025)28 loans
- Howard County (fewer than 100 investor loans in 2025)28 loans
- Jackson County (fewer than 100 investor loans in 2025)26 loans
- Logan County (fewer than 100 investor loans in 2025)26 loans
- Little River County (fewer than 100 investor loans in 2025)24 loans
- Searcy County (fewer than 100 investor loans in 2025)24 loans
- Newton County (fewer than 100 investor loans in 2025)22 loans
- Perry County (fewer than 100 investor loans in 2025)21 loans
- Scott County (fewer than 100 investor loans in 2025)19 loans
- Stone County (fewer than 100 investor loans in 2025)17 loans
- Lee County (fewer than 100 investor loans in 2025)14 loans
- Fulton County (fewer than 100 investor loans in 2025)13 loans
- Desha County (fewer than 100 investor loans in 2025)11 loans
- Lincoln County (fewer than 100 investor loans in 2025)10 loans
- Lafayette County (fewer than 100 investor loans in 2025)9 loans
- Phillips County (fewer than 100 investor loans in 2025)9 loans
- Drew County (fewer than 100 investor loans in 2025)7 loans
- Dallas County (fewer than 100 investor loans in 2025)5 loans
- Nevada County (fewer than 100 investor loans in 2025)5 loans
- Woodruff County (fewer than 100 investor loans in 2025)5 loans
- Chicot County (fewer than 100 investor loans in 2025)4 loans
- Cleveland County (fewer than 100 investor loans in 2025)3 loans
- Monroe County (fewer than 100 investor loans in 2025)3 loans
- Prairie County (fewer than 100 investor loans in 2025)3 loans
- Calhoun County (fewer than 100 investor loans in 2025)2 loans
Run the coverage test on your Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Arkansas property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Arkansas's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 353 lenders and 8,223 loans: 2025 HMDA loan-level data.
- Arkansas investor-lender dataset (CSV) — Every Arkansas lender behind the table above, with volume, average loan and purchase share for each.
- Arkansas investor lending data, Dominick Prevete — The Arkansas table on its own, with the state's concentration figures and the method behind them.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.