Mortgage lending in Lonoke County
2,201 mortgages were originated in Lonoke 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
- 2,201
- Median rate
- 6.625%
- Median lender fees
- $5,169
- Median loan amount
- $195,000
- Median spread over APOR
- 0.283
- Paid discount points
- 40.4%
- Received lender credits
- 26.4%
- Purchases / refinances
- 60.5% / 26.4%
- Conventional / FHA / VA
- 52.4% / 15.4% / 28.9%
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 77.5% 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 Lonoke County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ARKANSAS Federal Credit Union | 175 | $1,384 | 7.500% |
| FIRSTTRUST HOME LOANS, INC. | 141 | $5,798 | 6.500% |
| FLAT BRANCH MORTGAGE, INC. | 135 | $5,509 | 6.375% |
| Rocket Mortgage, LLC | 131 | $5,606 | 6.625% |
| Centennial Bank | 111 | $4,779 | 6.750% |
| Mortgage Research Center, LLC | 84 | $5,164 | 6.250% |
| SENTE MORTGAGE, INC. | 80 | $7,395 | 6.625% |
| Arvest Bank | 71 | — | 6.875% |
| Chambers Bank | 61 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 58 | $4,573 | 5.688% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Lonoke County — not a rule of thumb.
From 1,705 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