County directory · Arkansas
CDFI lenders in Hot Spring County, AR
1 is headquartered here. 2 more have a bank or credit-union branch here. 2 more say they serve all of Arkansas. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.
- Name this county
- 0
- Based here
- 1
- Branch here
- 2
- Serve all of AR
- 2
None of the lender websites we read names Hot Spring County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Benton, Bismarck, Bonnerdale, Donaldson, Friendship, Jones Mill, Malvern.
Lenders compared for Hot Spring County
4 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Southern Bancorp Bank Bank or thrift, Arkadelphia AR | 2 offices here; 6 SBA loans here, FY2020–FY2026; 47 home loans here, 2025 | ask | 18 mi |
| 2. Clearway Federal Credit Union Credit union, Malvern AR | headquarters here; 1 office here; 21 home loans here, 2025 | ask | 8 mi |
| 3. ACC Capital, Inc. Loan fund, Little Rock AR | 3 SBA loans here, FY2020–FY2026 | ask | 48 mi |
| 4. SOUTHERN BANCORP INC Bank holding company, Arkadelphia AR | 2 offices here | ask | 18 mi |
3 of these 4 lenders have received CDFI Fund awards, together $33.9M in fiscal years 1996–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.
Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.
Where these lenders have offices
3 lenders3 head offices and 20 branches or offices of 3 lenders on this page, within 40 miles of the centre of Hot Spring County. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Auto / vehicle loans (1 lender)
- Credit-builder loans (1 lender)
- Home mortgages (1 lender)
- Personal / consumer loans (1 lender)
Banks and credit unions with a branch in this county
3 certified CDFIs have at least one office in Hot Spring County (FDIC office data as of 30 Oct 2026 and NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- SOUTHERN BANCORP INCBank holding company · Arkadelphia, AR2 offices in Hot Spring CountyOfficial list only
- Southern Bancorp BankBank or thrift · Arkadelphia, AR2 offices in Hot Spring CountyOfficial list only
- Clearway Federal Credit UnionCredit union · Malvern, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans1 office in Hot Spring County · based hereVerified
CDFI mortgage lenders active here
Certified CDFIs reported 69 originated home loans for properties in Hot Spring County in 2025 under the Home Mortgage Disclosure Act: 12% of the 597 home loans that all HMDA lenders reported here.
- Southern Bancorp BankBank or thrift · Arkadelphia, AR47 home loans here in 2025 (HMDA)Official list only
- Clearway Federal Credit UnionCredit union · Malvern, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans21 home loans here in 2025 (HMDA)Verified
Plus 1 more certified CDFI with fewer than 3 loans here each (not listed).
A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
Small business and SBA lending in Hot Spring County
Official statisticsMedian household income in Hot Spring County is $55,405, 9% below the Arkansas figure of $60,773 (ACS 2020–2024).
Businesses here took 85.8 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Arkansas county (23.2), rank 3 of 75.
| Measure | Hot Spring County | Arkansas |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 513 (0.7% of the state) | 70,452 |
| …of which under 20 employees | 88% | 85% |
| Businesses without employees (Nonemployer Statistics 2023) | 2,157 | 244,688 |
| Median household income (ACS 2020–2024) | $55,405 (9% below the state) | $60,773 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 44 (42 7(a), 2 504) | 2,056 |
| …per 1,000 businesses with employees | 85.8 (rank 3 of 75 Arkansas counties) | 23.2 (median county) |
| Median SBA 7(a) loan, all lenders | $95,750 | $229,400 |
| …with a certified CDFI as lender, CDC or third-party lender | 10 (23%) | 280 (14%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.75 pts (15 loans; 13% at the SBA maximum) | 2.25 pts (7% at the maximum) |
Approvals by fiscal year: FY2020 8 · FY2021 6 · FY2022 4 · FY2023 7 · FY2024 6 · FY2025 3 · FY2026 10.
For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).
Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.
SBA loans made here by CDFIs
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 10 SBA approvals (10 7(a) loans) for borrowers in Hot Spring County in fiscal years 2020–2026, from 3 CDFIs. The 7(a) loans total $7M approved.
CDFIs with 3 or more: Southern Bancorp Bank (6), ACC Capital, Inc. (3). 1 more CDFI made 1 or 2 each.
Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 2024153 loans and investments totaling $17.5M (median $76,500) were reported to the CDFI Fund for borrowers and projects in Hot Spring County in fiscal year 2022, by 7 reporting CDFIs. More than half of these records come from a single reporting CDFI.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Real estate: commercial construction, permanent or acquisition | 53 | $7.1M | $82,550 |
| Home improvement | 40 | $5.7M | $122,188 |
| Non-real estate microenterprise | 25 | $691,220 | $27,224 |
| Home purchase | 21 | $2.9M | $120,000 |
| Non-real estate business | 10 | $1.1M | $90,150 |
| Other purposes | 4 | $20,719 |
CDFI banks and credit unions also reported 797 consumer loans in Hot Spring County totaling $9.9M (Consumer Loan Report, tract totals, so no median); they counted 2% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 200 · FY2019 107 · FY2020 216 · FY2021 236.
Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.
Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.
Headquartered in Hot Spring County
The official list gives a headquarters address here. Check each lender's page for where it lends.
Say they serve all of Arkansas
- Partners BankBank or thrift · Helena, ARAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Home mortgages…Verified
- People TrustLoan fund · Little Rock, ARPersonal / consumer loans, Small-business loansVerified
Free help before you apply
These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.
Business advice
- Arkansas Small Business And Technology Development Center ~ University of Arkansas at Little RockSmall Business Development Center · 2801 S University Ave, 260 Reynolds Center, Little Rock, AR 72204501-916-3700 · about 44 miles from the centre of Hot Spring County
- SCORE ArkansasSCORE mentoring · 2120 Riverfront Drive, Little Rock, AR 72202501-209-7870 · about 48 miles from the centre of Hot Spring County
Housing counseling
- Southern Bancorp Community PartnersHUD-approved housing counselor · 206 Airport Rd, Hot Springs, AR 71913870-816-1126 · about 11 miles from the centre of Hot Spring County
- In Affordable Housing, IncorporatedHUD-approved housing counselor · 3224 Shackleford Pass, Little Rock, AR 72205501-221-2203 · about 42 miles from the centre of Hot Spring County
Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.
Other Arkansas counties
Source: CDFI Atlas, cdfiatlas.com/states/ar/counties/hot-spring-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).