Mortgage lending in Benton County
10,606 mortgages were originated in Benton County, Arkansas, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 10,606
- Median rate
- 6.625%
- Median lender fees
- $4,353
- Median loan amount
- $275,000
- Median spread over APOR
- 0.204
- Paid discount points
- 37.1%
- Received lender credits
- 23.7%
- Purchases / refinances
- 59.2% / 25%
- Conventional / FHA / VA
- 80.7% / 11.7% / 6.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Benton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Arvest Bank | 1,932 | $3,951 | 7.000% |
| Rocket Mortgage, LLC | 716 | $4,800 | 6.625% |
| FLAT BRANCH MORTGAGE, INC. | 390 | $4,428 | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 362 | $6,308 | 6.125% |
| Centennial Bank | 289 | $6,290 | 6.375% |
| ARKANSAS Federal Credit Union | 193 | — | 7.500% |
| UNITED FEDERAL CREDIT UNION | 165 | $3,589 | 6.500% |
| DHI MORTGAGE COMPANY, LTD. | 157 | $5,756 | 5.990% |
| PENNYMAC LOAN SERVICES, LLC | 157 | $5,383 | 6.375% |
| Generations Bank | 152 | $3,292 | 6.625% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Benton County — not a rule of thumb.
From 7,653 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers