DSCR Loans in Pope County, Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 30 lenders made 157 investment-property loans in Pope County, 1.9% of Arkansas's total. Dominick Prevete arranges DSCR loans across Pope 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 $200,000.
Pope County investor market at a glance
| Statistic | Pope County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 157 | 8,223 | 11th of 14 |
| Reporting lenders | 30 | 353 | 12th of 14 |
| Loan volume | $22.6M | $3.96B | 11th of 14 |
| Average loan | $144K | $481K | 12th of 14 |
| Median loan | $115K | $145K | 11th of 14 |
| Purchases | 59.2% | 67.4% | 14th of 14 |
| Cash-out refinances | 3.2% | 5.7% | 13th of 14 |
| 2–4 unit properties | 22.3% | 17.4% | 3rd of 14 |
| Top five lenders' share | 68.8% | 22.2% | 2nd of 14 |
| Reported business-purpose | 43.9% | 63.6% | 13th of 14 |
Pope County: closed-end loans on 1–4 unit investment properties. Pope County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Pope County's investor loans.
What stands out in Pope County
59.2% of Pope County's investor loans were purchases, the 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.
43.9% of Pope County's investor loans were reported as business-purpose, the 2nd-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.
3.2% of Pope County's investor loans were cash-out refinances, the 2nd-lowest share of Arkansas's 14 counties with published data (statewide: 5.7%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Pope County?
At HUD's fair market rent of $1,278 for a 3-bedroom in Pope County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $200,000, with 20% down at the 7.25% starting rate (November 2026). Pope County's median home value is $170,100; at that price the payment is $1,078 a month, so the property would need $1,100 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) | $948 / $1,278 / $1,283 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $170,100 |
| Median property taxes and effective rate | $945 (0.56% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,078 |
| Rent needed to cover that payment | $1,100 |
| Coverage of a 3-bedroom at fair market rent | 1.19 |
| Highest price a 3-bedroom at fair market rent covers | about $200,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $295,000 |
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 Pope County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Pope County?
The most active investment-property lenders in Pope County in 2025 HMDA data were Union Bank, First State Bank and Arvest Bank, out of 30 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 Pope County, and matches each file to the one most likely to fund it.
Pope County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 157 loans and $22.6M from 30 lenders. Union Bank led Pope County with 37 loans, 23.6% of the county's total, and the average Pope County loan of $144K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Union Bank | 37 | $5.7M | $153K | 40.5% |
| First State Bank | 27 | $3.8M | $140K | 59.3% |
| Arvest Bank | 23 | $2.6M | $111K | 60.9% |
| Bank OZK | 13 | $1.3M | $99K | 69.2% |
| Simmons Bank | 8 | $1.4M | $175K | 75.0% |
| First Security Bank | 8 | $1.3M | $163K | 75.0% |
| Diamond Bank | 6 | $0.9M | $153K | 50.0% |
| Chambers Bank | 6 | $0.8M | $128K | 66.7% |
| Centennial Bank | 4 | $0.8M | $203K | 75.0% |
| Southern Bancorp Bank | 2 | $1.0M | $490K | 0.0% |
| CV3 Financial Services, LLC | 2 | $0.3M | $130K | 50.0% |
| First Community Bank | 2 | $0.3M | $130K | 100.0% |
| ARKANSAS Federal Credit Union | 2 | $0.2M | $95K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | $0.3M | $295K | 0.0% |
| Stone Bank | 1 | $0.2M | $245K | 100.0% |
| JPMorgan Chase Bank, National Association | 1 | $0.2M | $235K | 100.0% |
| LIMA ONE CAPITAL, LLC | 1 | $0.2M | $165K | 100.0% |
| Waterstone Mortgage Corporation | 1 | $0.2M | $165K | 100.0% |
| NATIONSTAR MORTGAGE LLC | 1 | $0.2M | $155K | 100.0% |
| Cornerstone First Mortgage, Inc | 1 | $0.1M | $145K | 100.0% |
| Rocket Mortgage, LLC | 1 | $0.1M | $145K | 100.0% |
| CMG MORTGAGE, INC. | 1 | $0.1M | $145K | 0.0% |
| Bank of America, National Association | 1 | $0.1M | $145K | 100.0% |
| Citadel Servicing Corporation | 1 | $0.1M | $125K | 0.0% |
| Kiavi Funding, Inc. | 1 | $0.1M | $125K | 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 Pope County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Pope County CSV, all 25 lenders
What Pope County's table can't show you: fit. Short-term financing is exempt from HMDA, so Pope County's fix-and-flip and bridge lenders barely appear among its 30 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 Pope County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Pope County |
|---|---|---|---|
| Faulkner County, AR | 330 | 68 | About 45 miles away |
| Saline County, AR | 284 | 74 | About 60 miles away |
| Garland County, AR | 295 | 87 | About 60 miles away |
| Pulaski County, AR | 1,366 | 153 | About 60 miles away |
| Sebastian County, AR | 334 | 59 | About 75 miles away |
Run the coverage test on your Pope County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Pope 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 — Pope County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 30 lenders and 157 loans: 2025 HMDA loan-level data rolled up to Pope County.
- Pope County investor-lender dataset (CSV) — All 25 lenders in the Pope County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Pope 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 Pope County, AR.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Pope 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.