Benton County
Arkansas · FIPS 05007
According to CFPB HMDA 2024 application volume among U.S. counties, Benton County ranks #159 of 3,210, and #1 of 75 in Arkansas.
Mortgage lending activity in Benton County, Arkansas based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Benton County, Arkansas saw 17,506 HMDA-reported mortgage applications in 2024. Lenders originated 9,449 of those loans and denied 1,865, producing a denial rate of 10.7% and an approval (origination) rate of 54.0%. The average loan amount was $294,901 at an average note rate of 7.12%, with applicants self-reporting average annual income of $36K. 360 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.2x, meaning typical borrowers took on mortgages of about 8.2 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Benton County
In Benton County, lead originator Arvest Bank funded 18.9% of 9,449 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 29.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Benton County's 17,506 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Benton County's $294,901 average loan (deduped against volume peers).
Lenders active in Benton County
Arvest Bank funded 1,790 of the 9,449 loans originated in Benton County, 18.9% of the county. 360 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Arvest Bank | 1,790 | 18.9% |
| 2 | Rocket Mortgage | 604 | 6.4% |
| 3 | Flat Branch Mortgage, INC. | 367 | 3.9% |
| 4 | Centennial Bank | 314 | 3.3% |
| 5 | Lendlo Mortgage, LLC | 276 | 2.9% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Benton County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Benton County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.