Mortgage lending in Carroll County
638 mortgages were originated in Carroll 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
- 638
- Median rate
- 6.875%
- Median lender fees
- $4,135
- Median loan amount
- $165,000
- Median spread over APOR
- 0.388
- Paid discount points
- 26.6%
- Received lender credits
- 13.9%
- Purchases / refinances
- 50.3% / 32.4%
- Conventional / FHA / VA
- 80.7% / 9.1% / 7.8%
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 48.7% 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 Carroll County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Arvest Bank | 93 | — | 7.350% |
| CS Bank | 90 | — | — |
| Equity Bank | 60 | — | 7.270% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Carroll County — not a rule of thumb.
From 311 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