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2024 data HMDA 2024 disclosure official source

Saline County

6,956 mortgage applications, 17.0% denial rate. Verify FIPS 05125 with U.S. Census Bureau →

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Arkansas · FIPS 05125

Local mortgage market. Saline County, Arkansas saw 6,956 HMDA-reported mortgage applications in 2024. Lenders originated 3,243 of those loans and denied 1,183, producing a denial rate of 17.0% and an approval (origination) rate of 46.6%. The average loan amount was $200,574 at an average note rate of 7.18%, with applicants self-reporting average annual income of $37K. 230 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 05125 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,956
Applications
3,243
Originated
17.0%
Denial Rate
46.6%
Approval Rate
$200,574
Avg Loan Amount
7.18%
Avg Interest Rate
$37K
Avg Applicant Income
5.4x
Loan-to-Income Ratio

Nearby Lenders in Saline 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 Arkansas Federal Credit Union 267 8.2%
2 Arvest Bank 237 7.3%
3 Eustis Mortgage Corp 199 6.1%
4 Rocket Mortgage 184 5.7%
5 Eagle Bank and Trust Company 151 4.7%
Compare Arkansas Federal Credit Union vs Arvest Bank →

Frequently Asked Questions

How many mortgage applications were filed in Saline County?
In the 2024 HMDA reporting year, 6,956 mortgage applications were filed in Saline County, Arkansas. Of these, 3,243 were originated (approved and funded), while 1,183 were denied, resulting in a denial rate of 17.0%.
What is the mortgage denial rate in Saline County?
The mortgage denial rate in Saline County is 17.0%. The approval (origination) rate is 46.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Saline County?
The average mortgage loan amount in Saline County is $200,574. The average interest rate is 7.184%. The average applicant income is $37K.
What is the loan-to-income ratio in Saline County?
The average loan-to-income ratio in Saline County is 5.4x, meaning borrowers took on loans averaging 5.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Saline County?
The top mortgage lenders in Saline County by origination volume are Arkansas Federal Credit Union, Arvest Bank, Eustis Mortgage Corp. In total, 230 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.