DSCR Loans in Benton County, Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 171 lenders made 1,176 investment-property loans in Benton County, 14.3% of Arkansas's total. Dominick Prevete arranges DSCR loans across Benton County, 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. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $270,000.
Benton County investor market at a glance
| Statistic | Benton County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 1,176 | 8,223 | 2nd of 14 |
| Reporting lenders | 171 | 353 | 1st of 14 |
| Loan volume | $352.4M | $3.96B | 2nd of 14 |
| Average loan | $300K | $481K | 2nd of 14 |
| Median loan | $245K | $145K | 1st of 14 |
| Purchases | 76.3% | 67.4% | 2nd of 14 |
| Cash-out refinances | 5.5% | 5.7% | 8th of 14 |
| 2–4 unit properties | 13.8% | 17.4% | 12th of 14 |
| Top five lenders' share | 32.1% | 22.2% | 13th of 14 |
| Reported business-purpose | 55.5% | 63.6% | 11th of 14 |
Benton County: closed-end loans on 1–4 unit investment properties. Benton County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Benton County's investor loans.
What stands out in Benton County
The median investor loan in Benton County was $245K, the highest median of Arkansas's 14 counties with published data (statewide: $145K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
76.3% of Benton County's investor loans were purchases, the 2nd-highest share of Arkansas's 14 counties with published data (statewide: 67.4%).
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 five most active lenders wrote 32.1% of Benton County's investor loans, the 2nd-lowest share of Arkansas's 14 counties with published data (statewide: 22.2%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Benton County?
At HUD's fair market rent of $1,739 for a 3-bedroom in Benton County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $270,000, with 20% down at the 7.25% starting rate (November 2026). Benton County's median home value is $323,500; at that price the payment is $2,052 a month, so the property would need $2,075 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,256 / $1,739 / $2,099 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $323,500 |
| Median property taxes and effective rate | $1,823 (0.56% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,052 |
| Rent needed to cover that payment | $2,075 |
| Coverage of a 3-bedroom at fair market rent | 0.85 |
| Highest price a 3-bedroom at fair market rent covers | about $270,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Benton County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Benton County?
The most active investment-property lenders in Benton County in 2025 HMDA data were Arvest Bank, First Western Bank and Signature Bank of Arkansas, out of 171 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 one that reported in Benton County, and matches each file to the one most likely to fund it.
Benton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,176 loans and $352.4M from 171 lenders. Arvest Bank led Benton County with 139 loans, 11.8% of the county's total, and the average Benton County loan of $300K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Arvest Bank | 139 | $34.4M | $247K | 73.4% |
| First Western Bank | 83 | $28.0M | $337K | 92.8% |
| Signature Bank of Arkansas | 60 | $27.1M | $451K | 73.3% |
| Grand Savings Bank | 48 | $15.3M | $319K | 79.2% |
| Legacy National Bank | 47 | $17.9M | $381K | 61.7% |
| Generations Bank | 37 | $15.9M | $429K | 70.3% |
| United Wholesale Mortgage | 34 | $8.8M | $260K | 79.4% |
| GERSHMAN INVESTMENT CORP. | 34 | $8.4M | $247K | 85.3% |
| The First National Bank of Fort Smith | 32 | $15.7M | $492K | 81.2% |
| Kiavi Funding, Inc. | 27 | $6.0M | $224K | 92.6% |
| FLAT BRANCH MORTGAGE, INC. | 23 | $5.7M | $249K | 95.7% |
| LENNAR MORTGAGE, LLC | 23 | $4.4M | $192K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 22 | $5.0M | $229K | 100.0% |
| Rocket Mortgage, LLC | 20 | $4.9M | $245K | 55.0% |
| Armstrong Bank | 17 | $4.8M | $284K | 82.4% |
| Chambers Bank | 16 | $4.3M | $266K | 75.0% |
| United Bank | 14 | $6.0M | $430K | 100.0% |
| FIRST WESTERN MORTGAGE, INC. | 14 | $3.4M | $246K | 85.7% |
| PENNYMAC LOAN SERVICES, LLC | 13 | $4.2M | $325K | 53.8% |
| The Farmers & Merchants Bank | 11 | $3.9M | $353K | 54.5% |
| Priority Bank | 11 | $3.4M | $307K | 100.0% |
| NEXERA HOLDING LLC | 11 | $3.2M | $290K | 72.7% |
| MY MOVE MORTGAGE, LLC | 11 | $2.9M | $260K | 100.0% |
| Equity Bank | 11 | $1.4M | $131K | 36.4% |
| Cadence Bank | 10 | $3.0M | $298K | 80.0% |
40 Arkansas loans (0.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Benton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Benton County CSV, all 25 lenders
What Benton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Benton County's fix-and-flip and bridge lenders barely appear among its 171 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — 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.
Counties near Benton County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Benton County |
|---|---|---|---|
| Washington County, AR | 728 | 143 | Borders Benton County |
| Newton County, MO | 108 | 28 | About 40 miles away |
| Crawford County, AR | 114 | 31 | About 50 miles away |
| Stone County, MO | 125 | 62 | About 55 miles away |
Run the coverage test on your Benton County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Benton County, 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 — Benton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 171 lenders and 1,176 loans: 2025 HMDA loan-level data rolled up to Benton County.
- Benton County investor-lender dataset (CSV) — All 25 lenders in the Benton County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Benton County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Fayetteville-Springdale-Rogers, AR MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Benton County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- 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.