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2024 data HMDA 2024 disclosure official source

Stone County

415 mortgage applications, 22.2% denial rate. Verify FIPS 05137 with U.S. Census Bureau →

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Arkansas · FIPS 05137

Local mortgage market. Stone County, Arkansas saw 415 HMDA-reported mortgage applications in 2024. Lenders originated 195 of those loans and denied 92, producing a denial rate of 22.2% and an approval (origination) rate of 47.0%. The average loan amount was $166,036 at an average note rate of 7.34%, with applicants self-reporting average annual income of $37K. 58 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 05137 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

415
Applications
195
Originated
22.2%
Denial Rate
47.0%
Approval Rate
$166,036
Avg Loan Amount
7.34%
Avg Interest Rate
$37K
Avg Applicant Income
4.5x
Loan-to-Income Ratio

Nearby Lenders in Stone 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 Rocket Mortgage 26 13.3%
2 United Wholesale Mortgage 20 10.3%
3 Kind Lending, LLC 13 6.7%
4 Centennial Bank 11 5.6%
5 Simmons Bank 9 4.6%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Stone County?
In the 2024 HMDA reporting year, 415 mortgage applications were filed in Stone County, Arkansas. Of these, 195 were originated (approved and funded), while 92 were denied, resulting in a denial rate of 22.2%.
What is the mortgage denial rate in Stone County?
The mortgage denial rate in Stone County is 22.2%. The approval (origination) rate is 47.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Stone County?
The average mortgage loan amount in Stone County is $166,036. The average interest rate is 7.342%. The average applicant income is $37K.
What is the loan-to-income ratio in Stone County?
The average loan-to-income ratio in Stone County is 4.5x, meaning borrowers took on loans averaging 4.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Stone County?
The top mortgage lenders in Stone County by origination volume are Rocket Mortgage, United Wholesale Mortgage, Kind Lending, LLC. In total, 58 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.