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2024 data HMDA 2024 disclosure official source

Clark County

714 mortgage applications, 26.3% denial rate. Verify FIPS 05019 with U.S. Census Bureau →

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Arkansas · FIPS 05019

Local mortgage market. Clark County, Arkansas saw 714 HMDA-reported mortgage applications in 2024. Lenders originated 306 of those loans and denied 188, producing a denial rate of 26.3% and an approval (origination) rate of 42.9%. The average loan amount was $137,479 at an average note rate of 7.28%, with applicants self-reporting average annual income of $35K. 76 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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.

FIPS 05019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

714
Applications
306
Originated
26.3%
Denial Rate
42.9%
Approval Rate
$137,479
Avg Loan Amount
7.28%
Avg Interest Rate
$35K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Clark County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Southern Bancorp Bank 44 14.4%
2 Fairway Independent Mort CORP 40 13.1%
3 Rocket Mortgage 27 8.8%
4 First Community Mortgage 11 3.6%
5 Movement Mortgage, LLC 10 3.3%
Compare Southern Bancorp Bank vs Fairway Independent Mort CORP →

Frequently Asked Questions

How many mortgage applications were filed in Clark County?
In the 2024 HMDA reporting year, 714 mortgage applications were filed in Clark County, Arkansas. Of these, 306 were originated (approved and funded), while 188 were denied, resulting in a denial rate of 26.3%.
What is the mortgage denial rate in Clark County?
The mortgage denial rate in Clark County is 26.3%. The approval (origination) rate is 42.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Clark County?
The average mortgage loan amount in Clark County is $137,479. The average interest rate is 7.282%. The average applicant income is $35K.
What is the loan-to-income ratio in Clark County?
The average loan-to-income ratio in Clark County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Clark County?
The top mortgage lenders in Clark County by origination volume are Southern Bancorp Bank, Fairway Independent Mort CORP, Rocket Mortgage. In total, 76 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.