DSCR Loans in White 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, 37 lenders made 174 investment-property loans in White County, 2.1% of Arkansas's total. Dominick Prevete arranges DSCR loans across White 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 $195,000.
White County investor market at a glance
| Statistic | White County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 174 | 8,223 | 10th of 14 |
| Reporting lenders | 37 | 353 | 10th of 14 |
| Loan volume | $23.3M | $3.96B | 10th of 14 |
| Average loan | $134K | $481K | 13th of 14 |
| Median loan | $115K | $145K | 11th of 14 |
| Purchases | 66.7% | 67.4% | 7th of 14 |
| Cash-out refinances | 3.4% | 5.7% | 12th of 14 |
| 2–4 unit properties | 16.1% | 17.4% | 10th of 14 |
| Top five lenders' share | 71.3% | 22.2% | 1st of 14 |
| Reported business-purpose | 82.8% | 63.6% | 1st of 14 |
White County: closed-end loans on 1–4 unit investment properties. White County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of White County's investor loans.
What stands out in White County
By share of investor loans reported as business-purpose, White County ranks highest of Arkansas's 14 counties with published data (statewide: 63.6%).
82.8% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The five most active lenders wrote 71.3% of White County's investor loans, the highest share of Arkansas's 14 counties with published data (statewide: 22.2%).
Five lenders write 71.3% of the loans here, so comparing written term sheets matters more.
The median investor loan in White County was $115K, the 2nd-lowest median of Arkansas's 14 counties with published data (statewide: $145K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in White County?
At HUD's fair market rent of $1,238 for a 3-bedroom in White County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $195,000, with 20% down at the 7.25% starting rate (November 2026). White County's median home value is $163,600; at that price the payment is $1,024 a month, so the property would need $1,025 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 / $1,238 / $1,246 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $163,600 |
| Median property taxes and effective rate | $754 (0.46% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,024 |
| Rent needed to cover that payment | $1,025 |
| Coverage of a 3-bedroom at fair market rent | 1.21 |
| Highest price a 3-bedroom at fair market rent covers | about $195,000 |
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 White County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in White County?
The most active investment-property lenders in White County in 2025 HMDA data were First Community Bank, First Security Bank and Simmons Bank, out of 37 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.
White County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 174 loans and $23.3M from 37 lenders. First Community Bank led White County with 48 loans, 27.6% of the county's total, and the average White County loan of $134K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Community Bank | 48 | $6.4M | $133K | 68.8% |
| First Security Bank | 47 | $5.6M | $120K | 57.4% |
| Simmons Bank | 15 | $1.8M | $119K | 80.0% |
| Southern Bank | 8 | $1.0M | $129K | 50.0% |
| Centennial Bank | 6 | $0.5M | $78K | 66.7% |
| FLAT BRANCH MORTGAGE, INC. | 4 | $0.4M | $100K | 100.0% |
| Central Bank | 4 | $0.3M | $78K | 50.0% |
| First Financial Bank | 3 | $0.4M | $148K | 100.0% |
| FIRSTTRUST HOME LOANS, INC. | 3 | $0.4M | $145K | 66.7% |
| Gateway Bank | 3 | $0.3M | $105K | 66.7% |
| First State Bank | 2 | $1.0M | $505K | 100.0% |
| Cross Bank | 2 | $0.6M | $310K | 50.0% |
| ARKANSAS Federal Credit Union | 2 | $0.3M | $150K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.3M | $145K | 100.0% |
| Bank of 1889 | 2 | $0.3M | $125K | 0.0% |
| 21st Mortgage Corporation | 2 | $0.1M | $50K | 100.0% |
| Southern Bancorp Bank | 1 | $0.4M | $415K | 0.0% |
| Pilgrim Bank | 1 | $0.3M | $325K | 100.0% |
| Arvest Bank | 1 | $0.3M | $295K | 100.0% |
| First Arkansas Bank and Trust | 1 | $0.2M | $225K | 100.0% |
| LENDINGONE, LLC | 1 | $0.2M | $225K | 100.0% |
| THE LOAN STORE, INC. | 1 | $0.2M | $185K | 100.0% |
| MISSION LOANS, LLC | 1 | $0.2M | $165K | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 1 | $0.2M | $155K | 100.0% |
| United Wholesale Mortgage | 1 | $0.2M | $155K | 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 White County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · White County CSV, all 25 lenders
What White County's table can't show you: fit. Short-term financing is exempt from HMDA, so White County's fix-and-flip and bridge lenders barely appear among its 37 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 White County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from White County |
|---|---|---|---|
| Lonoke County, AR | 185 | 46 | Borders White County |
| Faulkner County, AR | 330 | 68 | Borders White County |
| Pulaski County, AR | 1,366 | 153 | About 45 miles away |
| Saline County, AR | 284 | 74 | About 65 miles away |
| Craighead County, AR | 566 | 57 | About 75 miles away |
Run the coverage test on your White County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a White 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 — White County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 37 lenders and 174 loans: 2025 HMDA loan-level data rolled up to White County.
- White County investor-lender dataset (CSV) — All 25 lenders in the White County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — White 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 White County, AR.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — White 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.