DSCR Loans in Washington 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, 143 lenders made 728 investment-property loans in Washington County, 8.9% of Arkansas's total. Dominick Prevete arranges DSCR loans across Washington 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 $275,000.
Washington County investor market at a glance
| Statistic | Washington County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 728 | 8,223 | 3rd of 14 |
| Reporting lenders | 143 | 353 | 3rd of 14 |
| Loan volume | $2.62B | $3.96B | 1st of 14 |
| Average loan | $3,592K | $481K | 1st of 14 |
| Median loan | $240K | $145K | 2nd of 14 |
| Purchases | 69.1% | 67.4% | 5th of 14 |
| Cash-out refinances | 6.2% | 5.7% | 7th of 14 |
| 2–4 unit properties | 22.0% | 17.4% | 4th of 14 |
| Top five lenders' share | 34.1% | 22.2% | 12th of 14 |
| Reported business-purpose | 60.0% | 63.6% | 9th of 14 |
Washington County: closed-end loans on 1–4 unit investment properties. Washington County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Washington County's investor loans.
What stands out in Washington County
The average investor loan in Washington County was $3,592K, the highest average of Arkansas's 14 counties with published data (statewide: $481K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 34.1% of Washington County's investor loans, the 3rd-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.
Does a DSCR loan pencil in Washington County?
At HUD's fair market rent of $1,739 for a 3-bedroom in Washington County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $275,000, with 20% down at the 7.25% starting rate (November 2026). Washington County's median home value is $298,400; at that price the payment is $1,883 a month, so the property would need $1,900 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,256 / $1,739 / $2,099 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $298,400 |
| Median property taxes and effective rate | $1,564 (0.52% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,883 |
| Rent needed to cover that payment | $1,900 |
| Coverage of a 3-bedroom at fair market rent | 0.92 |
| Highest price a 3-bedroom at fair market rent covers | about $275,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $395,000 |
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 Washington County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Washington County?
The most active investment-property lenders in Washington County in 2025 HMDA data were Arvest Bank, Signature Bank of Arkansas and Armstrong Bank, out of 143 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 Washington County, and matches each file to the one most likely to fund it.
Washington County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 728 loans and $2.62B from 143 lenders. Arvest Bank led Washington County with 99 loans, 13.6% of the county's total, and the average Washington County loan of $3592K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Arvest Bank | 99 | $29.1M | $294K | 64.6% |
| Signature Bank of Arkansas | 57 | $17.8M | $313K | 70.2% |
| Armstrong Bank | 36 | $2411.2M | $66977K | 91.7% |
| Legacy National Bank | 30 | $7.2M | $241K | 60.0% |
| The Farmers & Merchants Bank | 26 | $10.9M | $419K | 50.0% |
| DHI MORTGAGE COMPANY, LTD. | 22 | $5.8M | $262K | 100.0% |
| First Security Bank | 18 | $7.4M | $409K | 66.7% |
| Simmons Bank | 15 | $7.5M | $500K | 86.7% |
| United Wholesale Mortgage | 15 | $3.9M | $258K | 80.0% |
| Chambers Bank | 14 | $3.7M | $266K | 64.3% |
| First State Bank | 13 | $4.9M | $379K | 61.5% |
| Grand Savings Bank | 13 | $4.5M | $343K | 84.6% |
| First Community Bank | 13 | $3.8M | $293K | 76.9% |
| Priority Bank | 13 | $2.7M | $209K | 84.6% |
| Generations Bank | 12 | $3.0M | $252K | 58.3% |
| LENNAR MORTGAGE, LLC | 12 | $2.5M | $206K | 100.0% |
| Rocket Mortgage, LLC | 11 | $2.6M | $236K | 45.5% |
| The Bank, National Association | 10 | $0.7M | $74K | 0.0% |
| The First National Bank of Fort Smith | 9 | $3.0M | $338K | 100.0% |
| First National Bank | 9 | $3.0M | $332K | 55.6% |
| First Western Bank | 9 | $2.9M | $324K | 44.4% |
| FLAT BRANCH MORTGAGE, INC. | 9 | $2.1M | $229K | 77.8% |
| Kiavi Funding, Inc. | 9 | $1.6M | $183K | 100.0% |
| First State Bank | 8 | $7.0M | $879K | 75.0% |
| Centennial Bank | 8 | $1.8M | $225K | 75.0% |
40 Arkansas loans (0.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Washington County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Washington County CSV, all 25 lenders
What Washington County's table can't show you: fit. Short-term financing is exempt from HMDA, so Washington County's fix-and-flip and bridge lenders barely appear among its 143 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 Washington County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Washington County |
|---|---|---|---|
| Benton County, AR | 1,176 | 171 | Borders Washington County |
| Crawford County, AR | 114 | 31 | Borders Washington County |
| Sebastian County, AR | 334 | 59 | About 55 miles away |
| Newton County, MO | 108 | 28 | About 65 miles away |
Run the coverage test on your Washington County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Washington 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 — Washington County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 143 lenders and 728 loans: 2025 HMDA loan-level data rolled up to Washington County.
- Washington County investor-lender dataset (CSV) — All 25 lenders in the Washington County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Washington 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 Fayetteville-Springdale-Rogers, AR MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Washington 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.