Dallas County, AR Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 174 mortgage applications in Dallas County, AR totaling $20.6 million, down 20% from 2024. The average application was for $118,000, and applicants reported an average income of $80,000. 34% of applications resulted in an originated loan and 28% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 15 applications, followed by Triad Financial Services, Inc. and 21st Mortgage.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 174 |
| Total Mortgage Loan Application Amount | $20,580,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $444,000 |
Top Mortgage Lenders in Dallas County, AR (2025)
Ranked by the number of mortgage applications each lender reported in Dallas County, AR in 2025.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
15 | $1,515,000 | $101,000 | $52,000 |
| 2 | Triad Financial Services, Inc. Jacksonville, FL |
15 | $1,495,000 | $99,000 | $90,000 |
| 3 | 21st Mortgage Knoxville, TN |
13 | $1,285,000 | $98,000 | $97,000 |
| 4 | Fairway Independent Mort Corp Madison, WI |
12 | $1,130,000 | $94,000 | $56,000 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
11 | $1,195,000 | $108,000 | $76,000 |
| 6 | Firsttrust Home Loans Sheridan, AR |
11 | $1,465,000 | $133,000 | $78,000 |
| 7 | Credit Human Federal Credit Un San Antonio, TX |
5 | $595,000 | $119,000 | $72,000 |
| 8 | Mortgage Research Center Columbia, MO |
5 | $1,155,000 | $231,000 | $106,000 |
| 9 | Arkansas Federal Credit Union Little Rock, AR |
4 | $240,000 | $60,000 | $60,000 |
| 10 | Planet Home Lending, LLC Meriden, CT |
4 | $800,000 | $200,000 | $0 |
The tables below break down 2025 mortgage applications in Dallas County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Dallas County, AR in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 120 | $14,190,000 | $118,000 | $415,000 | $76,000 | $444,000 |
| Cash-out Refinancing | 24 | $3,760,000 | $156,000 | $385,000 | $80,000 | $235,000 |
| Other Purpose | 16 | $780,000 | $48,000 | $85,000 | $82,000 | $209,000 |
| Home Improvement | 8 | $390,000 | $48,000 | $165,000 | $55,000 | $133,000 |
| Refinancing | 6 | $1,460,000 | $243,000 | $385,000 | $198,000 | $391,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 77 | $9,335,000 | $121,000 | $415,000 | $96,000 | $444,000 |
| Black or African American | 44 | $3,840,000 | $87,000 | $235,000 | $58,000 | $139,000 |
| Not applicable | 23 | $3,515,000 | $152,000 | $375,000 | $0 | $0 |
| Not Provided | 21 | $2,755,000 | $131,000 | $385,000 | $67,000 | $168,000 |
| Hispanic | 7 | $815,000 | $116,000 | $335,000 | $67,000 | $138,000 |
| American Indian or Alaskan Native | 2 | $320,000 | $160,000 | $275,000 | $98,000 | $120,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 109 | $11,075,000 | $101,000 | $385,000 | $85,000 | $444,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,750,000 | $105,000 | $185,000 | $59,000 | $84,000 |
| FHA-insured (Federal Housing Administration) | 24 | $3,020,000 | $125,000 | $245,000 | $68,000 | $235,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,735,000 | $249,000 | $415,000 | $85,000 | $225,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 59 | $7,615,000 | $129,000 | $385,000 | $80,000 | $391,000 |
| Application Denied By Financial Institution | 49 | $4,635,000 | $94,000 | $385,000 | $79,000 | $444,000 |
| Loan Purchased By The Institution | 21 | $3,385,000 | $161,000 | $375,000 | $0 | $0 |
| File Closed For Incompleteness | 20 | $1,920,000 | $96,000 | $275,000 | $69,000 | $133,000 |
| Application Withdrawn By Applicant | 13 | $1,905,000 | $146,000 | $415,000 | $92,000 | $235,000 |
| Application Approved But Not Accepted | 12 | $1,120,000 | $93,000 | $125,000 | $83,000 | $144,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 124 | $15,920,000 | $128,000 | $415,000 | $80,000 | $391,000 |
| Credit History | 28 | $2,650,000 | $94,000 | $205,000 | $71,000 | $209,000 |
| Debt-To-Income Ratio | 7 | $575,000 | $82,000 | $145,000 | $38,000 | $55,000 |
| Collateral | 4 | $280,000 | $70,000 | $155,000 | $68,000 | $98,000 |
| Credit Application Incomplete | 3 | $155,000 | $51,000 | $85,000 | $42,000 | $62,000 |
| Other | 3 | $185,000 | $61,000 | $75,000 | $197,000 | $444,000 |
| Unverifiable Information | 3 | $355,000 | $118,000 | $155,000 | $43,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $460,000 | $230,000 | $385,000 | $256,000 | $444,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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