DSCR Loans in Jefferson County, 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)
In 2025 HMDA data, 25 lenders made 105 investment-property loans in Jefferson County, 1.3% of Arkansas's total. Dominick Prevete arranges DSCR loans across Jefferson 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 $190,000.
Jefferson County investor market at a glance
| Statistic | Jefferson County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 105 | 8,223 | 13th of 14 |
| Reporting lenders | 25 | 353 | 13th of 14 |
| Loan volume | $10.9M | $3.96B | 14th of 14 |
| Average loan | $104K | $481K | 14th of 14 |
| Median loan | $75K | $145K | 14th of 14 |
| Purchases | 64.8% | 67.4% | 10th of 14 |
| Cash-out refinances | 7.6% | 5.7% | 3rd of 14 |
| 2–4 unit properties | 12.4% | 17.4% | 13th of 14 |
| Top five lenders' share | 61.9% | 22.2% | 3rd of 14 |
| Reported business-purpose | 32.4% | 63.6% | 14th of 14 |
Jefferson County: closed-end loans on 1–4 unit investment properties. Jefferson County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Jefferson County's investor loans.
What stands out in Jefferson County
32.4% of Jefferson County's investor loans were reported as business-purpose, the lowest share of Arkansas's 14 counties with published data (statewide: 63.6%).
Fewer investor loans here were reported as business-purpose than in most of Arkansas. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The median investor loan in Jefferson County was $75K, the lowest median of Arkansas's 14 counties with published data (statewide: $145K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
12.4% of Jefferson County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Arkansas's 14 counties with published data (statewide: 17.4%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Jefferson County?
At HUD's fair market rent of $1,239 for a 3-bedroom in Jefferson County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $190,000, with 20% down at the 7.25% starting rate (November 2026). Jefferson County's median home value is $113,400; at that price the payment is $728 a month, so the property would need $750 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) | $955 / $1,239 / $1,266 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $113,400 |
| Median property taxes and effective rate | $745 (0.66% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $728 |
| Rent needed to cover that payment | $750 |
| Coverage of a 3-bedroom at fair market rent | 1.70 |
| Highest price a 3-bedroom at fair market rent covers | about $190,000 |
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 Jefferson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Jefferson County?
The most active investment-property lenders in Jefferson County in 2025 HMDA data were Gateway Bank, Stone Bank and Relyance Bank, out of 25 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.
Jefferson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 105 loans and $10.9M from 25 lenders. Gateway Bank led Jefferson County with 15 loans, 14.3% of the county's total, and the average Jefferson County loan of $104K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Gateway Bank | 15 | $1.8M | $121K | 93.3% |
| Stone Bank | 15 | $1.4M | $91K | 80.0% |
| Relyance Bank | 14 | $1.8M | $126K | 57.1% |
| Simmons Bank | 14 | $1.7M | $124K | 64.3% |
| Connect Bank | 7 | $0.4M | $64K | 71.4% |
| PINE BLUFF COTTON BELT Federal Credit Union | 7 | $0.4M | $64K | 57.1% |
| Rocket Mortgage, LLC | 4 | $0.6M | $140K | 50.0% |
| First Community Bank | 4 | $0.4M | $105K | 100.0% |
| Bank OZK | 3 | $0.2M | $62K | 33.3% |
| AML FUNDING LLC | 2 | $0.5M | $255K | 100.0% |
| Centennial Bank | 2 | $0.3M | $130K | 50.0% |
| Arvest Bank | 2 | $0.2M | $100K | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 2 | $0.1M | $75K | 50.0% |
| NEWREZ LLC | 2 | $0.1M | $65K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.1M | $55K | 100.0% |
| RPE Home, Inc | 1 | $0.1M | $125K | 0.0% |
| First Service Bank | 1 | $0.1M | $125K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | $0.1M | $105K | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | $0.1M | $95K | 100.0% |
| LIMA ONE CAPITAL, LLC | 1 | $0.1M | $75K | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | $0.1M | $75K | 0.0% |
| U.S. Bank National Association | 1 | $0.1M | $65K | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | $0.1M | $55K | 0.0% |
| USAA Federal Savings Bank | 1 | $0.1M | $55K | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | $0.0M | $45K | 0.0% |
40 Arkansas loans (0.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Jefferson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Jefferson County CSV, all 25 lenders
What Jefferson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Jefferson County's fix-and-flip and bridge lenders barely appear among its 25 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 Jefferson County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Jefferson County |
|---|---|---|---|
| Lonoke County, AR | 185 | 46 | Borders Jefferson County |
| Pulaski County, AR | 1,366 | 153 | Borders Jefferson County |
| Saline County, AR | 284 | 74 | About 50 miles away |
| Faulkner County, AR | 330 | 68 | About 65 miles away |
Run the coverage test on your Jefferson County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jefferson 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 — Jefferson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 25 lenders and 105 loans: 2025 HMDA loan-level data rolled up to Jefferson County.
- Jefferson County investor-lender dataset (CSV) — All 25 lenders in the Jefferson County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Jefferson 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 Jefferson County, AR.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Jefferson 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.