Lonoke County
Arkansas · FIPS 05085
According to CFPB HMDA 2024 application volume among U.S. counties, Lonoke County ranks #582 of 3,210, and #9 of 75 in Arkansas.
Mortgage lending activity in Lonoke 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. Lonoke County, Arkansas saw 4,069 HMDA-reported mortgage applications in 2024. Lenders originated 1,831 of those loans and denied 623, producing a denial rate of 15.3% and an approval (origination) rate of 45.0%. The average loan amount was $190,576 at an average note rate of 7.28%, with applicants self-reporting average annual income of $37K. 175 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Lonoke County
In Lonoke County, lead originator Arkansas Federal Credit Union funded 11.9% of 1,831 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 24.1% 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 Lonoke County's 4,069 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lonoke County's $190,576 average loan (deduped against volume peers).
Lenders active in Lonoke County
Arkansas Federal Credit Union funded 218 of the 1,831 loans originated in Lonoke County, 11.9% of the county. 175 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Arkansas Federal Credit Union | 218 | 11.9% |
| 2 | Rocket Mortgage | 114 | 6.2% |
| 3 | Flat Branch Mortgage, INC. | 109 | 6.0% |
| 4 | Sente Mortgage, INC. | 93 | 5.1% |
| 5 | Mortgage Research Center | 82 | 4.5% |
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 Lonoke 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 Lonoke 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.