Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Garland County, Arkansas
Every institution that decided a 1–4 unit mortgage application in Garland County, home to Hot Springs, between 2023 and 2025: 8,756 applications, 5,767 loans actually funded, across 8 kinds of borrowing.
Garland County at a glance
8,756Applications decided
2023–2025
5,767Loans funded
66% of decisions
30Census tracts
7 ZIP codes
100,062People
ACS 2023
What the data shows
Lenders approved 70.6% of home-purchase applications in Garland County, 15.1 points below the Arkansas rate.
The typical purchase mortgage here is $195K.
Home improvement loans is the hardest money to get here: lenders approved 58% of 933 applications.
Lending by loan type in Garland County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 70.6% | 4,284 | $195K | 92% | 233 |
| Home improvement loans | 57.8% | 933 | $55K | 90% | 53 |
| Cash-out refinance | 62.1% | 1,155 | $145K | 94% | 113 |
| Refinance | 76.4% | 867 | $155K | 94% | 112 |
| Investment property purchase | 89.5% | 1,084 | $175K | 94% | 193 |
| Investment cash-out refinance | 66.1% | 112 | $165K | 93% | 59 |
| Investment refinance | 86.3% | 182 | $115K | 96% | 63 |
| Investment home improvement | 64.0% | 139 | $85K | 97% | 36 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.