PlainLender
2024 data HMDA 2024 disclosure official source

Conway County

840 mortgage applications, 27.4% denial rate. Verify FIPS 05029 with U.S. Census Bureau →

PlainLender home → About this data

Arkansas · FIPS 05029

Local mortgage market. Conway County, Arkansas saw 840 HMDA-reported mortgage applications in 2024. Lenders originated 328 of those loans and denied 230, producing a denial rate of 27.4% and an approval (origination) rate of 39.0%. The average loan amount was $141,869 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.

FIPS 05029 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

840
Applications
328
Originated
27.4%
Denial Rate
39.0%
Approval Rate
$141,869
Avg Loan Amount
7.62%
Avg Interest Rate
$37K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Conway 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 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%
Compare Arvest Bank vs Centennial Bank →

Frequently Asked Questions

How many mortgage applications were filed in Conway County?
In the 2024 HMDA reporting year, 840 mortgage applications were filed in Conway County, Arkansas. Of these, 328 were originated (approved and funded), while 230 were denied, resulting in a denial rate of 27.4%.
What is the mortgage denial rate in Conway County?
The mortgage denial rate in Conway County is 27.4%. The approval (origination) rate is 39.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Conway County?
The average mortgage loan amount in Conway County is $141,869. The average interest rate is 7.622%. The average applicant income is $37K.
What is the loan-to-income ratio in Conway County?
The average loan-to-income ratio in Conway County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Conway County?
The top mortgage lenders in Conway County by origination volume are Arvest Bank, Centennial Bank, Arkansas Federal Credit Union. In total, 70 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.