Conway County
Arkansas · FIPS 05029
According to CFPB HMDA 2024 application volume among U.S. counties, Conway County ranks #1,582 of 3,223, and #28 of 75 in Arkansas.
Mortgage lending activity in Conway 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. Conway County, Arkansas lenders denied 230 of the applications reported here, financing the rest at an average note rate of 7.62%, with applicants self-reporting average annual income of $37K. 70 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 Conway County
In Conway County, lead originator Arvest Bank funded 15.2% of 328 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 30.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Conway County's 840 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Conway County's $141,869 average loan (deduped against volume peers).
Lenders active in Conway County
Arvest Bank funded 50 of the 328 loans originated in Conway County, 15.2% of the county. 70 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Arvest Bank | 50 | 15.2% |
| 2 | Centennial Bank | 30 | 9.1% |
| 3 | Arkansas Federal Credit Union | 20 | 6.1% |
| 4 | 21st Mortgage | 15 | 4.6% |
| 5 | Regions Bank | 15 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Conway 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 Conway 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.