DSCR Loans in Lonoke County, Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 46 lenders made 185 investment-property loans in Lonoke County, 2.2% of Arkansas's total. Dominick Prevete arranges DSCR loans across Lonoke 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.
Lonoke County investor market at a glance
| Statistic | Lonoke County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 185 | 8,223 | 9th of 14 |
| Reporting lenders | 46 | 353 | 9th of 14 |
| Loan volume | $29.5M | $3.96B | 9th of 14 |
| Average loan | $159K | $481K | 9th of 14 |
| Median loan | $145K | $145K | 6th of 14 |
| Purchases | 78.4% | 67.4% | 1st of 14 |
| Cash-out refinances | 6.5% | 5.7% | 6th of 14 |
| 2–4 unit properties | 20.5% | 17.4% | 5th of 14 |
| Top five lenders' share | 40.5% | 22.2% | 9th of 14 |
| Reported business-purpose | 72.4% | 63.6% | 5th of 14 |
Lonoke County: closed-end loans on 1–4 unit investment properties. Lonoke County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lonoke County's investor loans.
What stands out in Lonoke County
78.4% of Lonoke County's investor loans were purchases, the 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.
Lonoke County's 185 investor loans ranked 9th of Arkansas's 14 counties with published data.
Does a DSCR loan pencil in Lonoke County?
At HUD's fair market rent of $1,504 for a 3-bedroom in Lonoke 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). Lonoke County's median home value is $193,600; at that price the payment is $1,238 a month, so the property would need $1,250 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) | $193,600 |
| Median property taxes and effective rate | $1,211 (0.63% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,238 |
| Rent needed to cover that payment | $1,250 |
| Coverage of a 3-bedroom at fair market rent | 1.21 |
| 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 Lonoke County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lonoke County?
The most active investment-property lenders in Lonoke County in 2025 HMDA data were First Arkansas Bank and Trust, Centennial Bank and Bank OZK, out of 46 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 Lonoke County, and matches each file to the one most likely to fund it.
Lonoke County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 185 loans and $29.5M from 46 lenders. First Arkansas Bank and Trust led Lonoke County with 22 loans, 11.9% of the county's total, and the average Lonoke County loan of $159K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Arkansas Bank and Trust | 22 | $5.8M | $265K | 86.4% |
| Centennial Bank | 19 | $3.4M | $179K | 89.5% |
| Bank OZK | 12 | $1.4M | $120K | 25.0% |
| First Community Bank | 11 | $1.6M | $143K | 72.7% |
| First Security Bank | 11 | $1.0M | $95K | 63.6% |
| First State Bank | 8 | $1.3M | $165K | 100.0% |
| FIRSTTRUST HOME LOANS, INC. | 8 | $1.2M | $149K | 87.5% |
| Rocket Mortgage, LLC | 7 | $0.9M | $122K | 57.1% |
| Southern Bank | 6 | $1.0M | $172K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $0.9M | $157K | 100.0% |
| First Service Bank | 6 | $0.9M | $155K | 83.3% |
| Chambers Bank | 4 | $0.8M | $188K | 100.0% |
| Cadence Bank | 4 | $0.4M | $90K | 50.0% |
| The First National Bank of Fort Smith | 4 | $0.3M | $68K | 100.0% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | 3 | $0.5M | $162K | 100.0% |
| LENNAR MORTGAGE, LLC | 3 | $0.5M | $155K | 100.0% |
| GUARANTEED RATE, INC. | 3 | $0.4M | $142K | 33.3% |
| Central Bank | 3 | $0.4M | $138K | 100.0% |
| Bank of England | 3 | $0.2M | $72K | 33.3% |
| Simmons Bank | 2 | $0.9M | $470K | 100.0% |
| Cross Bank | 2 | $0.6M | $290K | 100.0% |
| NEWREZ LLC | 2 | $0.6M | $275K | 50.0% |
| Kiavi Funding, Inc. | 2 | $0.4M | $185K | 100.0% |
| Emporium TPO LLC | 2 | $0.3M | $175K | 100.0% |
| NATIONSTAR MORTGAGE LLC | 2 | $0.3M | $140K | 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 Lonoke County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Lonoke County CSV, all 25 lenders
What Lonoke County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lonoke County's fix-and-flip and bridge lenders barely appear among its 46 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 Lonoke County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Lonoke County |
|---|---|---|---|
| Pulaski County, AR | 1,366 | 153 | Borders Lonoke County |
| White County, AR | 174 | 37 | Borders Lonoke County |
| Jefferson County, AR | 105 | 25 | Borders Lonoke County |
| Faulkner County, AR | 330 | 68 | Borders Lonoke County |
| Saline County, AR | 284 | 74 | About 45 miles away |
Run the coverage test on your Lonoke County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lonoke 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 — Lonoke County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 46 lenders and 185 loans: 2025 HMDA loan-level data rolled up to Lonoke County.
- Lonoke County investor-lender dataset (CSV) — All 25 lenders in the Lonoke County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lonoke 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 — Lonoke 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.