DSCR Loans in Saline County, Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 74 lenders made 284 investment-property loans in Saline County, 3.5% of Arkansas's total. Dominick Prevete arranges DSCR loans across Saline 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.
Saline County investor market at a glance
| Statistic | Saline County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 284 | 8,223 | 8th of 14 |
| Reporting lenders | 74 | 353 | 5th of 14 |
| Loan volume | $56.1M | $3.96B | 7th of 14 |
| Average loan | $198K | $481K | 4th of 14 |
| Median loan | $155K | $145K | 5th of 14 |
| Purchases | 73.9% | 67.4% | 3rd of 14 |
| Cash-out refinances | 5.3% | 5.7% | 9th of 14 |
| 2–4 unit properties | 7.0% | 17.4% | 14th of 14 |
| Top five lenders' share | 31.3% | 22.2% | 14th of 14 |
| Reported business-purpose | 60.9% | 63.6% | 8th of 14 |
Saline County: closed-end loans on 1–4 unit investment properties. Saline County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Saline County's investor loans.
What stands out in Saline County
7.0% of Saline County's investor loans financed a 2–4 unit property, the 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.
The five most active lenders wrote 31.3% of Saline County's investor loans, the lowest share of Arkansas's 14 counties with published data (statewide: 22.2%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
73.9% of Saline County's investor loans were purchases, the 3rd-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.
Does a DSCR loan pencil in Saline County?
At HUD's fair market rent of $1,504 for a 3-bedroom in Saline 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). Saline County's median home value is $221,200; at that price the payment is $1,413 a month, so the property would need $1,425 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) | $221,200 |
| Median property taxes and effective rate | $1,367 (0.62% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,413 |
| Rent needed to cover that payment | $1,425 |
| Coverage of a 3-bedroom at fair market rent | 1.06 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
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 Saline County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Saline County?
The most active investment-property lenders in Saline County in 2025 HMDA data were First Security Bank, Stone Bank and Bank OZK, out of 74 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.
Saline County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 284 loans and $56.1M from 74 lenders. First Security Bank led Saline County with 41 loans, 14.4% of the county's total, and the average Saline County loan of $198K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Security Bank | 41 | $11.4M | $278K | 61.0% |
| Stone Bank | 16 | $3.2M | $203K | 93.8% |
| Bank OZK | 12 | $2.2M | $183K | 25.0% |
| The Malvern National Bank | 11 | $2.8M | $258K | 90.9% |
| PEOPLES BANK | 9 | $1.8M | $198K | 100.0% |
| First Service Bank | 9 | $1.6M | $178K | 88.9% |
| First Community Bank | 9 | $1.3M | $149K | 77.8% |
| THE LOAN STORE, INC. | 8 | $1.5M | $190K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 8 | $1.3M | $168K | 0.0% |
| Eagle Bank and Trust Company | 8 | $1.2M | $155K | 87.5% |
| EUSTIS MORTGAGE CORPORATION | 8 | $1.1M | $135K | 50.0% |
| Gateway Bank | 7 | $1.5M | $219K | 85.7% |
| ARKANSAS Federal Credit Union | 7 | $1.1M | $164K | 85.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | $1.3M | $222K | 100.0% |
| FIRSTTRUST HOME LOANS, INC. | 6 | $1.3M | $215K | 100.0% |
| Central Bank | 6 | $1.1M | $182K | 66.7% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | $0.9M | $157K | 100.0% |
| Cadence Bank | 6 | $0.9M | $143K | 66.7% |
| Arvest Bank | 6 | $0.8M | $140K | 100.0% |
| Merchants and Farmers Bank | 5 | $0.9M | $171K | 80.0% |
| GUILD MORTGAGE COMPANY | 5 | $0.8M | $155K | 100.0% |
| United Wholesale Mortgage | 5 | $0.8M | $153K | 80.0% |
| Commerce Home Mortgage, Inc. | 4 | $0.7M | $168K | 50.0% |
| First Horizon Bank | 4 | $0.6M | $160K | 75.0% |
| Southern Bancorp Bank | 3 | $0.6M | $198K | 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 Saline County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Saline County CSV, all 25 lenders
What Saline County's table can't show you: fit. Short-term financing is exempt from HMDA, so Saline County's fix-and-flip and bridge lenders barely appear among its 74 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 Saline County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Saline County |
|---|---|---|---|
| Pulaski County, AR | 1,366 | 153 | Borders Saline County |
| Garland County, AR | 295 | 87 | Borders Saline County |
| Faulkner County, AR | 330 | 68 | About 40 miles away |
| Lonoke County, AR | 185 | 46 | About 45 miles away |
| Jefferson County, AR | 105 | 25 | About 50 miles away |
| Pope County, AR | 157 | 30 | About 60 miles away |
| White County, AR | 174 | 37 | About 65 miles away |
Run the coverage test on your Saline County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Saline 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 — Saline County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 74 lenders and 284 loans: 2025 HMDA loan-level data rolled up to Saline County.
- Saline County investor-lender dataset (CSV) — All 25 lenders in the Saline County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Saline 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 — Saline 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.