Little Rock, AR Mortgage Rates
Live Mortgage Rates in Little Rock, Arkansas
6.490%
Little Rock Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:30 PM UTC
Sourced live from hundreds of wholesale lenders serving Little Rock and Arkansas
Little Rock Benchmark Rates
Lowest available rate with no discount points paid in Little Rock, AR for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Little Rock, AR | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Little Rock, AR | 5.990% | 6.020% |
VA VA Purchase (100% LTV, 680 FICO) · Little Rock, AR | 5.990% | 6.021% |
2026 Loan Limits in Arkansas
Conforming
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most Arkansas counties.
About Little Rock Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Little Rock, Arkansas homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Arkansas and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Little Rock property.
Your specific Little Rock rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Arkansas lender network, use the Rate Direct pricer.
Little Rock buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Arkansas, see the Arkansas DPA guide.
Get your personalized Little Rock mortgage rate
The rates above are the market benchmark for Little Rock. Your actual rate depends on your scenario.