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State markets/Arkansas/Benton County/ZIP area 72738

ZIP AREA · ZCTA 72738 · CENSUS 2020

ZIP area 72738

The 5 census tracts that make up ZIP Code Tabulation Area 72738 across 3 counties. Each tract opens its own lender ranking and its full HMDA record list.

Census tracts

5

0 counted under this ZIP

Counties

3

this ZIP crosses a county line

Population

—

of the tracts this ZIP owns

Owner-occupied units

—

Census tracts in ZIP area 72738

Every tract this ZIP area touches — sort, filter by population or overlap, export, or open a row for the tract's card. The RECORDS column opens that tract's HMDA records in the loan explorer, which is where a ZIP-scoped question becomes an exact one.

5 OF 5 TRACTSEVERY TRACT THIS ZIP AREA TOUCHES — NO ROWS WITHHELD
RECORDS
Benton County72756This tract overlaps 72738 but sits mostly inside 72756, so it is counted there and not here.9.7%2,534MiddleOPEN →
Madison County72740This tract overlaps 72738 but sits mostly inside 72740, so it is counted there and not here.21.3%4,080MiddleOPEN →
Madison County72727This tract overlaps 72738 but sits mostly inside 72727, so it is counted there and not here.9.7%4,974ModerateOPEN →
Washington County72764This tract overlaps 72738 but sits mostly inside 72764, so it is counted there and not here.26.6%4,900MiddleOPEN →
Washington County72764This tract overlaps 72738 but sits mostly inside 72764, so it is counted there and not here.6.9%3,726MiddleOPEN →

Counties this ZIP area crosses

A ZCTA is drawn from address geography, not county lines, so a ZIP can and often does span two or more counties. 10,186 of the 33,791 ZCTAs do.

What a ZIP area is, and what it is not

A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land.

We publish no ZIP-level lending figure on this page, and the omission is deliberate. Summing tract originations into a ZIP would be an approximation dressed as a measurement: the boundary is areal, a tract that straddles two ZIPs has to be given to one of them, and HMDA never said the loan was in a ZIP in the first place. The lending figures live one level down, on each tract’s own page, where they are exactly what the lender reported.

Also checked and not used: FHA endorsement records carry a property ZIP, but they cover one loan programme rather than the market, and matching them to a county by name collides in Virginia, where “Richmond” is both a county and an independent city. We do not publish a figure we cannot attribute with certainty.

Go deeper

Step back up to the Benton County market profile, which lists every ZIP area in the county, or the Arkansas state profile.

Sources: U.S. Census Bureau 2020 ZCTA-to-census-tract relationship file (zcta_tract_rel, 168,212 overlaps across 33,791 ZCTAs and 85,143 tracts, loaded 2026-08-02); FFIEC census-tract file; HMDA tract attributes. Housing figures are summed over the tracts this ZIP area is dominant for, so they match the county page’s row for the same ZIP exactly. Figures are as loaded — see data attribution.