Nevada County
Arkansas · FIPS 05099
According to CFPB HMDA 2024 application volume among U.S. counties, Nevada County ranks #2,619 of 3,223, and #71 of 75 in Arkansas.
Mortgage lending activity in Nevada 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. Nevada County, Arkansas lenders denied 62 of the applications reported here, financing the rest at an average note rate of 7.95%, with applicants self-reporting average annual income of $32K. 25 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 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 Nevada County
In Nevada County, lead originator Farmers Bank & Trust funded 23.3% of 60 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Nevada County's 192 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Nevada County's $102,031 average loan (deduped against volume peers).
Lenders active in Nevada County
Farmers Bank & Trust funded 14 of the 60 loans originated in Nevada County, 23.3% of the county. 25 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Farmers Bank & Trust | 14 | 23.3% |
| 2 | 21st Mortgage | 7 | 11.7% |
| 3 | SWBC Mortgage Corporation | 5 | 8.3% |
| 4 | Rocket Mortgage | 5 | 8.3% |
| 5 | Mortgage Research Center | 3 | 5.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Nevada 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 Nevada 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.