Arkansas · Q1 2026
What Arkansas borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 462 lenders.
Published 2026-04-29.
Arkansas · headline
The gap between Arkansas's lowest- and highest-cost ranked lenders in 2025 was $5,535 on a typical loan — borrowers using Fairway Independent Mortgage paid roughly 274% more than borrowers using ARKANSAS Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=45,607)
In 2025, 462 mortgage lenders originated 45,607 reportable loans in Arkansas according to FFIEC HMDA data. The median borrower paid $4,442 in total loan costs. That is 4.7% above the national median across all 50 states and DC.
Arkansas's median total loan cost was $4,442, 4.7% above the national median of $4,242. On a typical loan, that translates to roughly $200 more than borrowers paid in the average state.
ARKANSAS Federal Credit Union posted the lowest median total loan costs at $2,018, 54.6% below the Arkansas median. Across the ranked lenders, 7 earned an A grade against peer averages and 2 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Arkansas are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,004 | $3,094 | 4,094 | B |
| 2 | Arvest Bank | $4,001 | $1,599 | 3,443 | A |
| 3 | Firsttrust Home Loans, Inc. | $5,540 | $2,328 | 2,172 | C |
| 4 | United Wholesale Mortgage | $6,398 | $3,136 | 1,504 | D |
| 5 | Flat Branch Mortgage, Inc. | $4,960 | $1,792 | 1,467 | A |
| 6 | ARKANSAS Federal Credit Union | $2,018 | $2,504 | 1,370 | A |
| 7 | Mortgage Research Center, LLC | $3,290 | $2,495 | 1,236 | A |
| 8 | First Community Mortgage, Inc. | $5,423 | $2,740 | 1,180 | B |
| 9 | Fairway Independent Mortgage | $7,553 | $3,410 | 1,064 | F |
| 10 | Centennial Bank | $5,137 | $2,012 | 956 | B |
Arkansas median total loan cost
Arkansas borrowers paid a median $4,442 in total loan costs in 2025, based on 45,607 HMDA-reported loans across 462 lenders.
FFIEC HMDA 2025
Lender spread in Arkansas
In Arkansas, the gap between ARKANSAS Federal Credit Union ($2,018 median) and Fairway Independent Mortgage ($7,553 median) was $5,535 on a typical 2025 loan.
FFIEC HMDA 2025
Arkansas vs. national
Arkansas closing costs ran 4.7% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Arkansas was $1,925, with the typical lender clustering tightly around that figure. Discount points appeared on 54% of loans, with a median paid amount of $1,796 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 30% of loans, with a median credit of $285.
Avg $2,931
Median $1,796 when present
Median $285 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Arkansas) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Arkansas
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