Mortgage Rates Arkansas (AR) for March 2026
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Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Arkansas. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Arkansas as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Baxter Credit UnionBaxter Credit Union1900 Highway 201 N, Mountain Home, AR, 72653A5.0 ★Texas Ratio: 7.73% at 6.00%, Intrust BankIntrust Bank3300 S Market St, Rogers, AR, 72758A+5.0 ★Texas Ratio: 2.46% at 6.00%, TruistTruist125 W Broadway, West Memphis, AR, 72301A+5.0 ★Texas Ratio: 3.63% at 6.10%, Carter Federal Credit UnionCarter Federal Credit Union45 Highway 79 Byp N, Magnolia, AR, 71753 3244D3.6 ★Texas Ratio: 31.89% at 6.25%, and Wells FargoWells Fargo1301 Arkansas Blvd, Texarkana, AR, 71854A5.0 ★Texas Ratio: 7.44% at 6.25%.
Mortgage rates in Arkansas (AR) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Arkansas borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Arkansas Mortgage Rate Trends
Compare local Arkansas mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — AR Avg
6.451%
▲ 0.366 from last week
For buyers in Arkansas, the broader Arkansas 30-year fixed average mortgage rate rose 0.366 points this week to 6.451%, according to MonitorBankRates trend data.
15-Year Fixed — AR Avg
5.683%
▼ 2.088 from last week
For buyers in Arkansas, the broader Arkansas 15-year fixed average mortgage rate fell 2.088 points this week to 5.683%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Arkansas
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3300 S Market St, Rogers, AR, 72758
30-Year Fixed
6.00%
6.20%
▼
Rate6.00%
APR6.20%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
125 W Broadway, West Memphis, AR, 72301
30-Year Fixed
360
6.10%
6.26%
▼
Rate6.10%
APR6.26%
Points0.566
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
125 W Broadway, West Memphis, AR, 72301
30-Year Fixed
360
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.927
UpdatedMar 15, 2026
Details
No additional details available.
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
30 Year Fixed
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Arkansas Blvd, Texarkana, AR, 71854
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3300 S Market St, Rogers, AR, 72758
15-Year Fixed
5.50%
5.49%
▼
Rate5.50%
APR5.49%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
125 W Broadway, West Memphis, AR, 72301
15-Year Fixed
180
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points0.902
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
125 W Broadway, West Memphis, AR, 72301
15-Year Fixed
180
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.982
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Arkansas Blvd, Texarkana, AR, 71854
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
15 Year Fixed
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
5/1 Year ARM
5.12%
6.17%
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Arkansas Blvd, Texarkana, AR, 71854
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1900 Highway 201 N, Mountain Home, AR, 72653
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
125 W Broadway, West Memphis, AR, 72301
30-Year Jumbo
360
6.97%
7.11%
▼
Rate6.97%
APR7.11%
Points0.815
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
FHA 30 Year
5.75%
6.35%
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
125 W Broadway, West Memphis, AR, 72301
30-Year FHA
360
5.70%
6.91%
▼
Rate5.70%
APR6.91%
Points0.767
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1301 Arkansas Blvd, Texarkana, AR, 71854
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3300 S Market St, Rogers, AR, 72758
VA 30-Year Fixed
5.62%
5.83%
▼
Rate5.62%
APR5.83%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
45 Highway 79 Byp N, Magnolia, AR, 71753 3244
VA 30 Year Fixed
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Riverfront Pl, Alma, AR, 71901
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
Powered by
MonitorBankRates
The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Arkansas directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Arkansas. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in AR.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Arkansas
How does my credit score affect my rate in Arkansas?
Your credit score is a major factor. Generally, borrowers in Arkansas with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Arkansas because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Arkansas?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Arkansas, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Arkansas, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Arkansas?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Arkansas, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Arkansas?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Arkansas offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Arkansas?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Arkansas?
- Baxter Credit Union: 6.00% (30-Year Fixed Mortgage)
- Intrust Bank: 6.00% (30-Year Fixed)
- Truist: 6.10% (30-Year Fixed)
- Carter Federal Credit Union: 6.25% (30 Year Fixed)
- Wells Fargo: 6.25% (30-Year Fixed Rate)
Mortgage Rates reflect actual verified offers from lenders actively lending to Arkansas borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in Arkansas
