Faulkner County
Arkansas · FIPS 05045
According to CFPB HMDA 2024 application volume among U.S. counties, Faulkner County ranks #434 of 3,210, and #5 of 75 in Arkansas.
Mortgage lending activity in Faulkner 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. Faulkner County, Arkansas saw 6,109 HMDA-reported mortgage applications in 2024. Lenders originated 3,002 of those loans and denied 912, producing a denial rate of 14.9% and an approval (origination) rate of 49.1%. The average loan amount was $205,503 at an average note rate of 7.36%, with applicants self-reporting average annual income of $37K. 213 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 Faulkner County
In Faulkner County, lead originator First Security Bank funded only 8.4% of 3,002 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Faulkner County's 6,109 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Faulkner County's $205,503 average loan (deduped against volume peers).
Lenders active in Faulkner County
First Security Bank funded 251 of the 3,002 loans originated in Faulkner County, 8.4% of the county. 213 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Security Bank | 251 | 8.4% |
| 2 | Arkansas Federal Credit Union | 246 | 8.2% |
| 3 | Eagle Bank and Trust Company | 211 | 7.0% |
| 4 | Arvest Bank | 181 | 6.0% |
| 5 | Centennial Bank | 180 | 6.0% |
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 Faulkner 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 Faulkner 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.