DSCR Loans in Pulaski 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, 153 lenders made 1,366 investment-property loans in Pulaski County, 16.6% of Arkansas's total. Dominick Prevete arranges DSCR loans across Pulaski 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 $230,000.
Pulaski County investor market at a glance
| Statistic | Pulaski County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 1,366 | 8,223 | 1st of 14 |
| Reporting lenders | 153 | 353 | 2nd of 14 |
| Loan volume | $221.9M | $3.96B | 3rd of 14 |
| Average loan | $162K | $481K | 8th of 14 |
| Median loan | $125K | $145K | 8th of 14 |
| Purchases | 66.3% | 67.4% | 8th of 14 |
| Cash-out refinances | 7.2% | 5.7% | 4th of 14 |
| 2–4 unit properties | 15.7% | 17.4% | 11th of 14 |
| Top five lenders' share | 36.2% | 22.2% | 10th of 14 |
| Reported business-purpose | 81.0% | 63.6% | 2nd of 14 |
Pulaski County: closed-end loans on 1–4 unit investment properties. Pulaski County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Pulaski County's investor loans.
What stands out in Pulaski County
By share of investor loans reported as business-purpose, Pulaski County ranks 2nd-highest of Arkansas's 14 counties with published data (statewide: 63.6%).
81.0% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Pulaski County's 1,366 investor loans ranked 1st of Arkansas's 14 counties with published data.
Does a DSCR loan pencil in Pulaski County?
At HUD's fair market rent of $1,504 for a 3-bedroom in Pulaski County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Pulaski County's median home value is $214,700; at that price the payment is $1,398 a month, so the property would need $1,400 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) | $214,700 |
| Median property taxes and effective rate | $1,642 (0.76% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,398 |
| Rent needed to cover that payment | $1,400 |
| Coverage of a 3-bedroom at fair market rent | 1.08 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
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 Pulaski County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Pulaski County?
The most active investment-property lenders in Pulaski County in 2025 HMDA data were Bank OZK; GUARANTEED RATE, INC.; and First Community Bank, out of 153 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 Pulaski County, and matches each file to the one most likely to fund it.
Pulaski County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,366 loans and $221.9M from 153 lenders. Bank OZK led Pulaski County with 160 loans, 11.7% of the county's total, and the average Pulaski County loan of $162K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Bank OZK | 160 | $19.8M | $124K | 26.9% |
| GUARANTEED RATE, INC. | 109 | $15.0M | $138K | 91.7% |
| First Community Bank | 88 | $14.3M | $162K | 72.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | $10.6M | $145K | 74.0% |
| First Security Bank | 65 | $14.2M | $218K | 66.2% |
| Central Bank | 43 | $6.5M | $151K | 93.0% |
| First Service Bank | 41 | $8.8M | $214K | 85.4% |
| ARKANSAS Federal Credit Union | 41 | $6.0M | $147K | 85.4% |
| Arvest Bank | 38 | $5.5M | $146K | 73.7% |
| Armor Bank | 35 | $5.4M | $156K | 71.4% |
| First Arkansas Bank and Trust | 34 | $7.4M | $218K | 82.4% |
| The Citizens Bank | 28 | $4.2M | $151K | 82.1% |
| Centennial Bank | 26 | $6.9M | $267K | 92.3% |
| BPL MORTGAGE TRUST, LLC | 23 | $2.9M | $125K | 8.7% |
| Cadence Bank | 22 | $3.5M | $159K | 54.5% |
| United Wholesale Mortgage | 22 | $2.9M | $131K | 77.3% |
| Stone Bank | 20 | $4.2M | $209K | 75.0% |
| Kiavi Funding, Inc. | 19 | $2.9M | $155K | 78.9% |
| Gateway Bank | 16 | $2.2M | $140K | 75.0% |
| Southern Bank | 15 | $4.7M | $316K | 86.7% |
| Eagle Bank and Trust Company | 15 | $2.7M | $177K | 73.3% |
| GUILD MORTGAGE COMPANY | 14 | $2.1M | $149K | 100.0% |
| Loan Funder LLC | 14 | $1.9M | $135K | 64.3% |
| FIRSTTRUST HOME LOANS, INC. | 13 | $1.9M | $147K | 84.6% |
| LIMA ONE CAPITAL, LLC | 13 | $1.4M | $108K | 61.5% |
40 Arkansas loans (0.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Pulaski County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Pulaski County CSV, all 25 lenders
What Pulaski County's table can't show you: fit. Short-term financing is exempt from HMDA, so Pulaski County's fix-and-flip and bridge lenders barely appear among its 153 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 Pulaski County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Pulaski County |
|---|---|---|---|
| Saline County, AR | 284 | 74 | Borders Pulaski County |
| Faulkner County, AR | 330 | 68 | Borders Pulaski County |
| Lonoke County, AR | 185 | 46 | Borders Pulaski County |
| Jefferson County, AR | 105 | 25 | Borders Pulaski County |
| White County, AR | 174 | 37 | About 45 miles away |
| Garland County, AR | 295 | 87 | About 50 miles away |
| Pope County, AR | 157 | 30 | About 60 miles away |
Run the coverage test on your Pulaski County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Pulaski 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 — Pulaski County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 153 lenders and 1,366 loans: 2025 HMDA loan-level data rolled up to Pulaski County.
- Pulaski County investor-lender dataset (CSV) — All 25 lenders in the Pulaski County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Pulaski 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 — Pulaski 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.