DSCR Loans in Faulkner County, Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 68 lenders made 330 investment-property loans in Faulkner County, 4.0% of Arkansas's total. Dominick Prevete arranges DSCR loans across Faulkner 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 $235,000.
Faulkner County investor market at a glance
| Statistic | Faulkner County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 330 | 8,223 | 6th of 14 |
| Reporting lenders | 68 | 353 | 6th of 14 |
| Loan volume | $63.0M | $3.96B | 6th of 14 |
| Average loan | $191K | $481K | 5th of 14 |
| Median loan | $160K | $145K | 4th of 14 |
| Purchases | 68.8% | 67.4% | 6th of 14 |
| Cash-out refinances | 4.2% | 5.7% | 11th of 14 |
| 2–4 unit properties | 20.3% | 17.4% | 6th of 14 |
| Top five lenders' share | 53.6% | 22.2% | 5th of 14 |
| Reported business-purpose | 67.6% | 63.6% | 6th of 14 |
Faulkner County: closed-end loans on 1–4 unit investment properties. Faulkner County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Faulkner County's investor loans.
What stands out in Faulkner County
Faulkner County's 330 investor loans ranked 6th of Arkansas's 14 counties with published data.
Does a DSCR loan pencil in Faulkner County?
At HUD's fair market rent of $1,504 for a 3-bedroom in Faulkner County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Faulkner County's median home value is $232,700; at that price the payment is $1,471 a month, so the property would need $1,475 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) | $1,121 / $1,504 / $1,810 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $232,700 |
| Median property taxes and effective rate | $1,253 (0.54% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,471 |
| Rent needed to cover that payment | $1,475 |
| Coverage of a 3-bedroom at fair market rent | 1.02 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $350,000 |
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 Faulkner County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Faulkner County?
The most active investment-property lenders in Faulkner County in 2025 HMDA data were First Security Bank, First Service Bank and First Community Bank, out of 68 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.
Faulkner County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 330 loans and $63.0M from 68 lenders. First Security Bank led Faulkner County with 64 loans, 19.4% of the county's total, and the average Faulkner County loan of $191K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Security Bank | 64 | $11.0M | $171K | 71.9% |
| First Service Bank | 43 | $10.6M | $246K | 76.7% |
| First Community Bank | 31 | $6.1M | $197K | 74.2% |
| Centennial Bank | 24 | $3.8M | $157K | 79.2% |
| Bank OZK | 15 | $1.6M | $105K | 46.7% |
| Simmons Bank | 12 | $1.9M | $161K | 50.0% |
| First Arkansas Bank and Trust | 10 | $3.8M | $379K | 40.0% |
| ARKANSAS Federal Credit Union | 10 | $0.9M | $95K | 70.0% |
| Eagle Bank and Trust Company | 9 | $1.9M | $208K | 66.7% |
| Cadence Bank | 7 | $1.1M | $155K | 42.9% |
| Regions Bank | 6 | $1.7M | $287K | 16.7% |
| Arvest Bank | 6 | $1.4M | $238K | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | $0.9M | $158K | 100.0% |
| Rocket Mortgage, LLC | 5 | $0.9M | $175K | 40.0% |
| FIRSTTRUST HOME LOANS, INC. | 5 | $0.8M | $167K | 80.0% |
| 21st Mortgage Corporation | 5 | $0.4M | $73K | 100.0% |
| Bank of 1889 | 4 | $1.4M | $338K | 0.0% |
| Chambers Bank | 3 | $1.0M | $318K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.5M | $178K | 100.0% |
| Anstaff Bank | 3 | $0.5M | $168K | 100.0% |
| First State Bank | 2 | $0.7M | $335K | 100.0% |
| First State Bank | 2 | $0.6M | $285K | 100.0% |
| Central Bank | 2 | $0.4M | $220K | 100.0% |
| FLAT BRANCH MORTGAGE, INC. | 2 | $0.4M | $195K | 0.0% |
| Southern Bank | 2 | $0.3M | $170K | 50.0% |
40 Arkansas loans (0.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Faulkner County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Faulkner County CSV, all 25 lenders
What Faulkner County's table can't show you: fit. Short-term financing is exempt from HMDA, so Faulkner County's fix-and-flip and bridge lenders barely appear among its 68 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 Faulkner County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Faulkner County |
|---|---|---|---|
| Pulaski County, AR | 1,366 | 153 | Borders Faulkner County |
| White County, AR | 174 | 37 | Borders Faulkner County |
| Lonoke County, AR | 185 | 46 | Borders Faulkner County |
| Saline County, AR | 284 | 74 | About 40 miles away |
| Pope County, AR | 157 | 30 | About 45 miles away |
| Garland County, AR | 295 | 87 | About 60 miles away |
| Jefferson County, AR | 105 | 25 | About 65 miles away |
Run the coverage test on your Faulkner County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Faulkner 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 — Faulkner County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 68 lenders and 330 loans: 2025 HMDA loan-level data rolled up to Faulkner County.
- Faulkner County investor-lender dataset (CSV) — All 25 lenders in the Faulkner County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Faulkner 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 Little Rock-North Little Rock-Conway, AR HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Faulkner 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.