DSCR Loans in Miller County, Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 25 lenders made 105 investment-property loans in Miller County, 1.3% of Arkansas's total. Dominick Prevete arranges DSCR loans across Miller 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 $215,000.
Miller County investor market at a glance
| Statistic | Miller County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 105 | 8,223 | 13th of 14 |
| Reporting lenders | 25 | 353 | 13th of 14 |
| Loan volume | $17.4M | $3.96B | 13th of 14 |
| Average loan | $166K | $481K | 6th of 14 |
| Median loan | $125K | $145K | 8th of 14 |
| Purchases | 60.0% | 67.4% | 12th of 14 |
| Cash-out refinances | 6.7% | 5.7% | 5th of 14 |
| 2–4 unit properties | 22.9% | 17.4% | 2nd of 14 |
| Top five lenders' share | 51.4% | 22.2% | 7th of 14 |
| Reported business-purpose | 48.6% | 63.6% | 12th of 14 |
Miller County: closed-end loans on 1–4 unit investment properties. Miller County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Miller County's investor loans.
What stands out in Miller County
22.9% of Miller County's investor loans financed a 2–4 unit property, the 2nd-highest share of Arkansas's 14 counties with published data (statewide: 17.4%).
2–4 unit properties are a larger share here than in most of Arkansas. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
60.0% of Miller County's investor loans were purchases, the 3rd-lowest share of Arkansas's 14 counties with published data (statewide: 67.4%).
Refinances are a larger share here than in most of Arkansas. A DSCR refinance qualifies on the property's current rent.
48.6% of Miller County's investor loans were reported as business-purpose, the 3rd-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.
Does a DSCR loan pencil in Miller County?
At HUD's fair market rent of $1,403 for a 3-bedroom in Miller County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Miller County's median home value is $153,900; at that price the payment is $982 a month, so the property would need $1,000 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) | $1,118 / $1,403 / $1,683 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $153,900 |
| Median property taxes and effective rate | $934 (0.61% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $982 |
| Rent needed to cover that payment | $1,000 |
| Coverage of a 3-bedroom at fair market rent | 1.43 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
| 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 Miller County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Miller County?
The most active investment-property lenders in Miller County in 2025 HMDA data were RED RIVER EMPLOYEES FEDERAL CREDIT UNION; Bank OZK; and Texana Bank, National Association, 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, including one that reported in Miller County, and matches each file to the one most likely to fund it.
Miller County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 105 loans and $17.4M from 25 lenders. RED RIVER EMPLOYEES FEDERAL CREDIT UNION led Miller County with 13 loans, 12.4% of the county's total, and the average Miller County loan of $166K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 13 | $1.4M | $110K | 61.5% |
| Bank OZK | 12 | $1.4M | $113K | 33.3% |
| Texana Bank, National Association | 10 | $1.5M | $149K | 50.0% |
| Diamond Bank | 10 | $1.3M | $125K | 60.0% |
| Commercial National Bank of Texarkana | 9 | $2.7M | $305K | 88.9% |
| Bodcaw Bank | 8 | $3.3M | $413K | 50.0% |
| Farmers Bank & Trust Company | 7 | $1.1M | $158K | 100.0% |
| State Bank of De Kalb | 7 | $0.8M | $116K | 57.1% |
| Cadence Bank | 6 | $0.5M | $90K | 83.3% |
| Horatio State Bank | 4 | $0.6M | $155K | 25.0% |
| Guaranty Bank & Trust, N.A. | 3 | $0.5M | $162K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.3M | $165K | 100.0% |
| United Wholesale Mortgage | 2 | $0.3M | $145K | 0.0% |
| THE LOAN STORE, INC. | 1 | $0.2M | $205K | 0.0% |
| RAIN CITY CAPITAL, LLC | 1 | $0.2M | $205K | 0.0% |
| Simmons Bank | 1 | $0.2M | $205K | 100.0% |
| KIND LENDING, LLC | 1 | $0.2M | $205K | 100.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 1 | $0.2M | $165K | 100.0% |
| OCMBC, INC. | 1 | $0.2M | $155K | 0.0% |
| TEXAR FEDERAL CREDIT UNION | 1 | $0.1M | $135K | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | $0.1M | $85K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | $0.1M | $85K | 100.0% |
| Charles Schwab Bank, SSB | 1 | $0.1M | $75K | 100.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | $0.1M | $75K | 0.0% |
| PHH Mortgage Corporation | 1 | $0.1M | $65K | 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 Miller County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Miller County CSV, all 25 lenders
What Miller County's table can't show you: fit. Short-term financing is exempt from HMDA, so Miller 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 — 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 Miller County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Miller County |
|---|---|---|---|
| Bowie County, TX | 238 | 51 | Borders Miller County |
| Caddo Parish, LA | 464 | 77 | Borders Miller County |
| Bossier Parish, LA | 219 | 48 | Borders Miller County |
| Harrison County, TX | 108 | 35 | About 60 miles away |
| McCurtain County, OK | 244 | 84 | About 75 miles away |
| Lincoln Parish, LA | 161 | 32 | About 85 miles away |
Run the coverage test on your Miller County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Miller 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 — Miller 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 Miller County.
- Miller County investor-lender dataset (CSV) — All 25 lenders in the Miller County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Miller 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 Texarkana, TX-Texarkana, AR HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Miller 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.