Mortgage lending in Hot Springs, AR
2,357 mortgages were originated in the Hot Springs, AR area in 2025, and here is what they cost.
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
- 2,357
- Median rate
- 6.750%
- Median lender fees
- $4,404
- Median loan amount
- $175,000
- Median spread over APOR
- 0.429
- Paid discount points
- 39.7%
- Received lender credits
- 18.7%
- Purchases / refinances
- 55.5% / 26.9%
- Conventional / FHA / VA
- 76.7% / 12.4% / 9.7%
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 69.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Hot Springs, AR area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Arvest Bank | 205 | $3,751 | 7.250% |
| Rocket Mortgage, LLC | 164 | $4,563 | 6.750% |
| SWBC MORTGAGE CORPORATION | 120 | $4,882 | 6.625% |
| ARKANSAS Federal Credit Union | 112 | $2,422 | 7.500% |
| Regions Bank | 91 | — | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 86 | $5,667 | 5.999% |
| Southern Bancorp Bank | 76 | — | 7.500% |
| Bank OZK | 68 | — | 5.990% |
| FIRSTTRUST HOME LOANS, INC. | 66 | $4,748 | 6.625% |
| First Security Bank | 65 | — | 7.000% |