Despite the hot housing market in Northwest Arkansas, mortgage lending continues to decline after a season of refinancing. 

• Report: Attom Data Solutions, a California company that tracks housing and foreclosure data, recently released its mortgage report for the Q4 of 2021. The report shows 6,560 mortgages secured by residential properties in the last three months of 2021, which is down 2.2% from Q3 2021. 
• A trend: The mortgages secured include the three categories of conventional loans — purchasing, refinancing, and home equity. The quarterly drop marks the fifth consecutive drop since Q3 of 2020. However, homeownership in NWA stays consistent due to the region’s attraction. 

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