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2024 data HMDA 2024 disclosure official source

White County

3,478 mortgage applications, 18.7% denial rate. Verify FIPS 05145 with U.S. Census Bureau →

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Arkansas · FIPS 05145

Local mortgage market. White County, Arkansas saw 3,478 HMDA-reported mortgage applications in 2024. Lenders originated 1,474 of those loans and denied 650, producing a denial rate of 18.7% and an approval (origination) rate of 42.4%. The average loan amount was $166,015 at an average note rate of 7.44%, with applicants self-reporting average annual income of $36K. 147 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 05145 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,478
Applications
1,474
Originated
18.7%
Denial Rate
42.4%
Approval Rate
$166,015
Avg Loan Amount
7.44%
Avg Interest Rate
$36K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in White 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 First Security Bank 196 13.3%
2 First Community Bank 184 12.5%
3 Simmons Bank 93 6.3%
4 Arkansas Federal Credit Union 85 5.8%
5 Rocket Mortgage 80 5.4%
Compare First Security Bank vs First Community Bank →

Frequently Asked Questions

How many mortgage applications were filed in White County?
In the 2024 HMDA reporting year, 3,478 mortgage applications were filed in White County, Arkansas. Of these, 1,474 were originated (approved and funded), while 650 were denied, resulting in a denial rate of 18.7%.
What is the mortgage denial rate in White County?
The mortgage denial rate in White County is 18.7%. The approval (origination) rate is 42.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in White County?
The average mortgage loan amount in White County is $166,015. The average interest rate is 7.436%. The average applicant income is $36K.
What is the loan-to-income ratio in White County?
The average loan-to-income ratio in White County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in White County?
The top mortgage lenders in White County by origination volume are First Security Bank, First Community Bank, Simmons Bank. In total, 147 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.