Best Mortgage in Arkansas

Home purchase loans, refinancing, and home equity products from top mortgage lenders. In Arkansas, personal loans are capped at 17% APR for licensed consumer lenders, overseen by the Arkansas State Bank Department.

Arkansas Lending Overview

Personal Loan APR cap

17%

Median Home Price

$199,000

Median Household Income

$56,000

Avg Student Debt

$34,024

State Regulator

Arkansas State Bank Department

Notable law: Arkansas's constitutional Amendment 89 (2010) caps consumer loan interest at 5 percentage points above the Federal Reserve discount rate, one of the strictest usury limits in the US.

8 Mortgage Lenders serving Arkansas

Best Egg

Mortgage

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Arkansas

Apply at Best Egg

Better Mortgage

Mortgage

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Arkansas

Apply at Better Mortgage

Bluevine

Mortgage

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Arkansas

Apply at Bluevine

Capital One Auto

Mortgage

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Arkansas

Apply at Capital One Auto

Earnest

Mortgage

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Arkansas

Apply at Earnest

LightStream

Mortgage

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Arkansas

Apply at LightStream

LightStream Auto

Mortgage

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Arkansas

Apply at LightStream Auto

OnDeck

Mortgage

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Arkansas

Apply at OnDeck

Arkansas Lending Laws

Arkansas's constitutional Amendment 89 (2010) caps consumer loan interest at 5 percentage points above the Federal Reserve discount rate, one of the strictest usury limits in the US.

The primary regulator for consumer lending in Arkansas is the Arkansas State Bank Department. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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