Mortgage lending in White County
1,733 mortgages were originated in White 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
- 1,733
- Median rate
- 6.625%
- Median lender fees
- $4,600
- Median loan amount
- $155,000
- Median spread over APOR
- 0.388
- Paid discount points
- 36.8%
- Received lender credits
- 23.4%
- Purchases / refinances
- 60.7% / 24.9%
- Conventional / FHA / VA
- 63.2% / 17.1% / 13.7%
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 75.4% 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 White County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Community Bank | 248 | $5,278 | 6.625% |
| First Security Bank | 183 | $3,608 | 7.250% |
| Rocket Mortgage, LLC | 107 | $5,124 | 6.625% |
| ARKANSAS Federal Credit Union | 92 | $3,350 | 7.500% |
| FLAT BRANCH MORTGAGE, INC. | 91 | $4,963 | 6.625% |
| Simmons Bank | 89 | $3,546 | 6.375% |
| FIRSTTRUST HOME LOANS, INC. | 82 | $5,515 | 6.490% |
| Regions Bank | 72 | — | 6.500% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in White County — not a rule of thumb.
From 1,306 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