Hot Spring County
Arkansas · FIPS 05059
According to CFPB HMDA 2024 application volume among U.S. counties, Hot Spring County ranks #1,150 of 3,223, and #18 of 75 in Arkansas.
Mortgage lending activity in Hot Spring 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. Hot Spring County, Arkansas lenders denied 381 of the applications reported here, financing the rest at an average note rate of 7.46%, with applicants self-reporting average annual income of $36K. 101 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Hot Spring County
In Hot Spring County, lead originator Arkansas Federal Credit Union funded only 7.8% of 526 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Hot Spring County's 1,445 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hot Spring County's $141,159 average loan (deduped against volume peers).
Lenders active in Hot Spring County
Arkansas Federal Credit Union funded 41 of the 526 loans originated in Hot Spring County, 7.8% of the county. 101 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Arkansas Federal Credit Union | 41 | 7.8% |
| 2 | Rocket Mortgage | 40 | 7.6% |
| 3 | Southern Bancorp Bank | 34 | 6.5% |
| 4 | Vanderbilt Mortgage and Finance, INC | 25 | 4.8% |
| 5 | Bank Ozk | 20 | 3.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Hot Spring 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 Hot Spring 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.