Arkansas mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Benton County | 4,997 | 6.375% | $4,661 | 6.125% |
| Pulaski County | 3,710 | 6.5% | $4,966 | 6.25% |
| Washington County | 2,898 | 6.375% | $4,728 | 6.25% |
| Saline County | 1,869 | 6.49% | $5,606 | 6.25% |
| Faulkner County | 1,527 | 6.375% | $5,538 | 6.25% |
| Craighead County | 1,153 | 6.375% | $6,045 | 6.25% |
| Lonoke County | 1,111 | 6.49% | $6,187 | 6.125% |
| Sebastian County | 1,018 | 6.375% | $4,919 | 6.25% |
| Garland County | 945 | 6.625% | $4,721 | 6.375% |
| White County | 870 | 6.5% | $5,126 | 6.25% |
| Crawford County | 562 | 6.375% | $5,576 | 6.25% |
| Pope County | 494 | 6.5% | $4,770 | 6.125% |
| Greene County | 476 | 6.5% | $5,226 | 6.375% |
| Baxter County | 423 | 6.49% | $3,744 | 6.25% |
| Boone County | 394 | 6.375% | $4,786 | 6.375% |
| Crittenden County | 384 | 6.25% | $6,720 | 6.25% |
| Jefferson County | 361 | 6.625% | $6,074 | 6.25% |
| Independence County | 331 | 6.612% | $5,143 | 6.375% |
| Union County | 308 | 6.75% | $4,902 | 6.5% |
| Miller County | 295 | 6.675% | $6,099 | 6.25% |
| Hot Spring County | 285 | 6.75% | $4,751 | 6.5% |
| Mississippi County | 250 | 6.5% | $6,989 | 6.25% |
| Cleburne County | 242 | 6.625% | $4,579 | 6.312% |
| Johnson County | 218 | 6.5% | $4,647 | 6.375% |
| Carroll County | 216 | 6.5% | $4,682 | 6.25% |
| Grant County | 207 | 6.5% | $5,824 | 6.25% |
| Poinsett County | 207 | 6.5% | $5,501 | 6.625% |
| Conway County | 186 | 6.625% | $5,488 | 6.338% |
| Sharp County | 178 | 6.49% | $4,229 | 6.375% |
| Franklin County | 165 | 6.5% | $4,912 | 6.375% |
| Polk County | 165 | 6.625% | $4,612 | 6.125% |
| Clark County | 160 | 6.75% | $4,911 | 6.25% |
| Columbia County | 159 | 6.875% | $4,774 | 6.5% |
| Madison County | 155 | 6.5% | $5,272 | 6.375% |
| Ouachita County | 153 | 6.75% | $4,681 | 6.625% |
| Yell County | 145 | 6.625% | $4,467 | 6.625% |
| Marion County | 139 | 6.375% | $4,164 | 6.49% |
| Randolph County | 138 | 6.625% | $4,773 | 6.55% |
| Van Buren County | 134 | 6.625% | $5,107 | 6.25% |
| Cross County | 134 | 6.625% | $5,339 | 6.75% |
| Arkansas County | 133 | 6.625% | $5,251 | 6.875% |
| Logan County | 133 | 6.5% | $5,266 | 6.375% |
| Lawrence County | 125 | 6.625% | $5,112 | 6.5% |
| Hempstead County | 121 | 6.875% | $4,575 | 6.625% |
| Izard County | 119 | 6.438% | $4,711 | 6.375% |
| Clay County | 119 | 6.75% | $4,613 | 6.625% |
| Ashley County | 116 | 6.812% | $5,683 | 6.812% |
| Perry County | 105 | 6.75% | $4,819 | 6.375% |
| Little River County | 98 | 6.812% | $5,169 | 6.625% |
| Stone County | 92 | 6.75% | $3,987 | 6.25% |
| Drew County | 88 | 6.625% | $6,444 | 6.375% |
| Fulton County | 87 | 6.5% | $4,918 | 6.25% |
| Jackson County | 85 | 6.5% | $4,483 | 6.625% |
| Sevier County | 79 | 6.638% | $4,675 | 6.49% |
| St. Francis County | 71 | 6.875% | $4,631 | 6.49% |
| Lincoln County | 61 | 6.688% | $7,397 | 6.312% |
| Scott County | 59 | 6.625% | $5,602 | 6.25% |
| Howard County | 59 | 6.75% | $5,608 | 6.99% |
| Pike County | 53 | 7.125% | $4,406 | 6.99% |
| Searcy County | 50 | 6.625% | $3,580 | 6.25% |
| Prairie County | 50 | 6.99% | $4,142 | 6.75% |
| Montgomery County | 46 | 7.25% | $4,167 | 6.49% |
| Phillips County | 46 | 6.625% | $5,242 | 7.5% |
| Newton County | 46 | 6.5% | $3,788 | 6.625% |
| Cleveland County | 45 | 6.75% | $5,304 | 6.5% |
| Calhoun County | 42 | 6.75% | $4,304 | 6.875% |
| Bradley County | 41 | 6.75% | $5,449 | 6.375% |
| Nevada County | 38 | 6.625% | $3,849 | 6.75% |
| Desha County | 37 | 6.625% | $5,980 | 6.25% |
| Dallas County | 34 | 6.75% | $5,404 | 6.562% |
| Chicot County | 28 | 6.875% | $4,283 | 6.99% |
| Lafayette County | 20 | 8.5% | $5,069 | 6.82% |
| Monroe County | 20 | 6.912% | $5,113 | 6.75% |
| Woodruff County | 19 | 6.5% | $4,075 | 6.75% |
| Lee County | 15 | 6.75% | $5,970 | 6.625% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.