Mortgage lending in Sebastian County
2,567 mortgages were originated in Sebastian 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
- 2,567
- Median rate
- 6.625%
- Median lender fees
- $4,369
- Median loan amount
- $155,000
- Median spread over APOR
- 0.323
- Paid discount points
- 34.4%
- Received lender credits
- 13.3%
- Purchases / refinances
- 53% / 28.2%
- Conventional / FHA / VA
- 70.8% / 16.2% / 11.2%
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 65.1% 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 Sebastian County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Arvest Bank | 352 | $4,079 | 6.750% |
| Rocket Mortgage, LLC | 157 | $5,317 | 6.625% |
| Cadence Bank | 149 | $3,501 | 7.000% |
| Firstar Bank | 137 | $5,510 | 6.750% |
| UNITED FEDERAL CREDIT UNION | 110 | $2,810 | 7.050% |
| The First National Bank of Fort Smith | 99 | $3,571 | 6.625% |
| Armstrong Bank | 90 | — | 7.509% |
| FIRSTTRUST HOME LOANS, INC. | 81 | $5,382 | 6.125% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 81 | $6,132 | 6.490% |
| Farmers Bank | 76 | — | — |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Sebastian County — not a rule of thumb.
From 1,672 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