Columbia County
Arkansas · FIPS 05027
According to CFPB HMDA 2024 application volume among U.S. counties, Columbia County ranks #1,837 of 3,223, and #37 of 75 in Arkansas.
Mortgage lending activity in Columbia 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. Columbia County, Arkansas lenders denied 197 of the applications reported here, financing the rest at an average note rate of 7.77%, with applicants self-reporting average annual income of $36K. 67 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 Columbia County
In Columbia County, lead originator Farmers Bank & Trust funded 29.7% of 229 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 45.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Columbia County's 628 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Columbia County's $148,822 average loan (deduped against volume peers).
Lenders active in Columbia County
Farmers Bank & Trust funded 68 of the 229 loans originated in Columbia County, 29.7% of the county. 67 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Farmers Bank & Trust | 68 | 29.7% |
| 2 | Rocket Mortgage | 26 | 11.4% |
| 3 | Bodcaw Bank | 9 | 3.9% |
| 4 | Highlands Residential Mortgage, Ltd. | 8 | 3.5% |
| 5 | 21st Mortgage | 7 | 3.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Columbia County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Columbia County borrowers. 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.