DSCR Loans in Crawford County, Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 31 lenders made 114 investment-property loans in Crawford County, 1.4% of Arkansas's total. Dominick Prevete arranges DSCR loans across Crawford 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 $205,000.
Crawford County investor market at a glance
| Statistic | Crawford County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 114 | 8,223 | 12th of 14 |
| Reporting lenders | 31 | 353 | 11th of 14 |
| Loan volume | $17.5M | $3.96B | 12th of 14 |
| Average loan | $153K | $481K | 10th of 14 |
| Median loan | $125K | $145K | 8th of 14 |
| Purchases | 64.0% | 67.4% | 11th of 14 |
| Cash-out refinances | 5.3% | 5.7% | 9th of 14 |
| 2–4 unit properties | 16.7% | 17.4% | 7th of 14 |
| Top five lenders' share | 57.0% | 22.2% | 4th of 14 |
| Reported business-purpose | 58.8% | 63.6% | 10th of 14 |
Crawford County: closed-end loans on 1–4 unit investment properties. Crawford County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Crawford County's investor loans.
What stands out in Crawford County
Crawford County's 114 investor loans ranked 12th of Arkansas's 14 counties with published data.
Does a DSCR loan pencil in Crawford County?
At HUD's fair market rent of $1,324 for a 3-bedroom in Crawford County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Crawford County's median home value is $182,800; at that price the payment is $1,156 a month, so the property would need $1,175 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $979 / $1,324 / $1,625 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $182,800 |
| Median property taxes and effective rate | $982 (0.54% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,156 |
| Rent needed to cover that payment | $1,175 |
| Coverage of a 3-bedroom at fair market rent | 1.15 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
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 Crawford County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Crawford County?
The most active investment-property lenders in Crawford County in 2025 HMDA data were Citizens' Bank & Trust Co., Firstar Bank and Generations Bank, out of 31 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 and matches each file to the one most likely to fund it.
Crawford County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 114 loans and $17.5M from 31 lenders. Citizens' Bank & Trust Co. led Crawford County with 21 loans, 18.4% of the county's total, and the average Crawford County loan of $153K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Citizens' Bank & Trust Co. | 21 | $2.0M | $96K | 42.9% |
| Firstar Bank | 19 | $3.5M | $186K | 63.2% |
| Generations Bank | 11 | $2.1M | $187K | 90.9% |
| Chambers Bank | 9 | $1.0M | $115K | 44.4% |
| Armstrong Bank | 5 | $0.6M | $117K | 100.0% |
| UNITED FEDERAL CREDIT UNION | 5 | $0.5M | $109K | 60.0% |
| Arvest Bank | 5 | $0.5M | $109K | 40.0% |
| First Western Bank | 5 | $0.4M | $83K | 60.0% |
| First Security Bank | 4 | $2.7M | $680K | 100.0% |
| First Financial Bank | 3 | $0.5M | $162K | 33.3% |
| The First National Bank of Fort Smith | 3 | $0.2M | $75K | 100.0% |
| FIRSTTRUST HOME LOANS, INC. | 2 | $0.3M | $175K | 100.0% |
| Signature Bank of Arkansas | 2 | $0.3M | $165K | 100.0% |
| Priority Bank | 2 | $0.3M | $150K | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | $0.2M | $95K | 100.0% |
| Cadence Bank | 1 | $0.3M | $275K | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | $0.2M | $225K | 100.0% |
| First Service Bank | 1 | $0.2M | $175K | 100.0% |
| The Citizens Bank | 1 | $0.2M | $165K | 100.0% |
| Simmons Bank | 1 | $0.2M | $165K | 100.0% |
| Farmers Bank | 1 | $0.1M | $145K | 100.0% |
| ARC HOME LLC | 1 | $0.1M | $135K | 0.0% |
| Broker Solutions, Inc. | 1 | $0.1M | $125K | 0.0% |
| NFM, INC. | 1 | $0.1M | $125K | 100.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | $0.1M | $115K | 100.0% |
40 Arkansas loans (0.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Crawford County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Crawford County CSV, all 25 lenders
What Crawford County's table can't show you: fit. Short-term financing is exempt from HMDA, so Crawford County's fix-and-flip and bridge lenders barely appear among its 31 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 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 Crawford County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Crawford County |
|---|---|---|---|
| Sebastian County, AR | 334 | 59 | Borders Crawford County |
| Washington County, AR | 728 | 143 | Borders Crawford County |
| Benton County, AR | 1,176 | 171 | About 50 miles away |
| Muskogee County, OK | 147 | 37 | About 65 miles away |
Run the coverage test on your Crawford County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Crawford 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 — Crawford County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 31 lenders and 114 loans: 2025 HMDA loan-level data rolled up to Crawford County.
- Crawford County investor-lender dataset (CSV) — All 25 lenders in the Crawford County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Crawford 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 Fort Smith, AR-OK MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Crawford 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.