Mortgage lending in Washington County
6,214 mortgages were originated in Washington 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
- 6,214
- Median rate
- 6.625%
- Median lender fees
- $4,362
- Median loan amount
- $255,000
- Median spread over APOR
- 0.231
- Paid discount points
- 34.8%
- Received lender credits
- 18.8%
- Purchases / refinances
- 58.9% / 24.9%
- Conventional / FHA / VA
- 79% / 13.9% / 6.1%
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 67.8% 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 Washington County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Arvest Bank | 1,291 | $3,859 | 7.125% |
| Rocket Mortgage, LLC | 333 | $4,991 | 6.500% |
| DHI MORTGAGE COMPANY, LTD. | 268 | $4,606 | 5.500% |
| FLAT BRANCH MORTGAGE, INC. | 268 | $4,541 | 6.433% |
| Centennial Bank | 146 | $4,822 | 6.375% |
| First Security Bank | 135 | — | 7.650% |
| Signature Bank of Arkansas | 135 | — | — |
| Priority Bank | 113 | $4,141 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 108 | $6,967 | 6.097% |
| Gateway First Bank | 99 | $4,124 | 6.250% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Washington County — not a rule of thumb.
From 4,214 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