--- title: "Mortgage Rates in Little Rock: From 7.180% APR" description: "Little Rock mortgage rates from 7.180% APR across 5 Arkansas credit unions. Local access: Arkansas Farm Bureau. Verified statewide rates and local locations; no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/arkansas/little-rock" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Credit Union Mortgage Rates in Little Rock Compare published 30-year and 15-year mortgage rates across Arkansas, then use verified local locations to find credit unions accessible in Little Rock. The rate sample is statewide; the access list is local. Updated November 2026 Arkansas Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Little Rock credit unions range from **7.180%** to **7.848% APR** (median 7.466%) across 5 Arkansas lenders, as of November 2026. Rates are ranked by true cost with zero affiliate bias. See our [methodology](https://rateapi.dev/methodology) for how these figures are collected. [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / [Arkansas](https://rateapi.dev/mortgage-rates/arkansas) / Little Rock Local market context ## What is local to Little Rock—and what is statewide RateAPI compares published mortgages rates across Arkansas. Local access is established separately using verified credit-union locations, so a statewide benchmark is never presented as a city-only sample. Local access 6 credit unions The institutions below have headquarters in the city. Location can make membership easier, but it does not by itself prove that each institution currently offers mortgages. - [Arkansas Farm Bureau](https://rateapi.dev/credit-unions/arkansas/arkansas-farm-bureau) - [Arkansas Teachers](https://rateapi.dev/credit-unions/arkansas/arkansas-teachers) - [Baptist Health](https://rateapi.dev/credit-unions/arkansas/baptist-health) - [Cooperative Extension Service](https://rateapi.dev/credit-unions/arkansas/cooperative-extension-service) - [Dillard's](https://rateapi.dev/credit-unions/arkansas/dillards) - [Electric Cooperatives](https://rateapi.dev/credit-unions/arkansas/electric-cooperatives) [Check Arkansas membership paths](https://rateapi.dev/who-can-join/arkansas) Arkansas rate benchmark 7.180%–7.848% APR Published 30-year fixed APR range across 5 credit unions in the statewide comparison. Latest underlying observation: November 12, 2026. [View the full Arkansas comparison](https://rateapi.dev/mortgage-rates/arkansas) [How RateAPI verifies rates](https://rateapi.dev/methodology) 7.180% Lowest Arkansas 30yr APR Success 7.466% Arkansas Median APR 7.848% Highest APR 5 Arkansas Lenders Little Rock mortgage rates range from 7.180% to 7.848% APR for 30-year fixed loans. Data from 28 credit unions in Arkansas, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/arkansas/little-rock) ## Arkansas Credit Union Mortgage Rates Available to Little Rock Borrowers Ranked by lowest APR. Based on a $400,000 loan over 30 years. This is the statewide comparison; use the local access section above to evaluate membership near Little Rock. | Credit Union | Rate | APR | Est. Payment | | Success Credit Union 30-Year Fixed | 7.18% | 7.18% | $2,710/mo | [Visit Site](https://www.successcreditunion.com/) | ## 30-Year vs 15-Year Fixed in Little Rock The lowest 15-year fixed APR from credit unions serving Little Rock is 6.942%, versus 7.180% for a 30-year — a 0.238-point spread. Credit union medians: 7.347% (15-year) and 7.466% (30-year). | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 7.180% | Success | 7.466% | 5 | | 15-Year Fixed | 6.942% | Fairfield | 7.347% | 1 | Rates as of November 12, 2026, from published Arkansas credit union rate sheets. ## How to Get the Best Mortgage Rate in Little Rock Credit unions serving Little Rock often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates in Little Rock. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Little Rock have flexible membership requirements. Some are open to anyone who lives, works, or worships in Arkansas. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Little Rock home loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your Little Rock home long-term. ### Mortgage Rates in Arkansas [All Arkansas Rates](https://rateapi.dev/mortgage-rates/arkansas) [Benton](https://rateapi.dev/mortgage-rates/arkansas/benton) [Fort Smith](https://rateapi.dev/mortgage-rates/arkansas/fort-smith) [Arkadelphia](https://rateapi.dev/mortgage-rates/arkansas/arkadelphia) [Hot Springs](https://rateapi.dev/mortgage-rates/arkansas/hot-springs) [North Little Ro](https://rateapi.dev/mortgage-rates/arkansas/north-little-ro) ### Other Loan Products [Arkansas Credit Unions](https://rateapi.dev/credit-unions/arkansas) [National Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [HELOC Rates](https://rateapi.dev/heloc-rates) [Auto Loan Rates](https://rateapi.dev/auto-loan-rates) [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) ## Frequently Asked Questions Common questions about mortgage rates in Little Rock As of November 2026, 30-year fixed mortgage rates in the Little Rock metro area range from 7.180% to 7.848% APR across credit unions serving Arkansas. The median rate is 7.466% APR. What are the current mortgage rates in Little Rock? To get the best mortgage rate in Little Rock: 1) Compare rates from multiple credit unions serving the Little Rock metro area, 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact, 5) Get pre-approved before house hunting. How do I get the best mortgage rate in Little Rock? Yes, credit unions serving Little Rock, Arkansas typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in Little Rock? For the best mortgage rates in Little Rock, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Credit unions in Arkansas have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Little Rock? How much house you can afford in Little Rock depends on your income, debts, down payment, and current mortgage rates. Most lenders prefer your total housing costs (including taxes and insurance) to be below 28% of gross income. Use current Little Rock rates to calculate your maximum affordable home price. How much house can I afford in Little Rock? ### Mortgage Rates in Other Arkansas Cities [Benton](https://rateapi.dev/mortgage-rates/arkansas/benton) [Fort Smith](https://rateapi.dev/mortgage-rates/arkansas/fort-smith) [Arkadelphia](https://rateapi.dev/mortgage-rates/arkansas/arkadelphia) [Hot Springs](https://rateapi.dev/mortgage-rates/arkansas/hot-springs) [North Little Ro](https://rateapi.dev/mortgage-rates/arkansas/north-little-ro) [Searcy](https://rateapi.dev/mortgage-rates/arkansas/searcy) [North Little Rock](https://rateapi.dev/mortgage-rates/arkansas/north-little-rock) ### Mortgage Rates by State [Alabama](https://rateapi.dev/mortgage-rates/alabama) [Alaska](https://rateapi.dev/mortgage-rates/alaska) [Arizona](https://rateapi.dev/mortgage-rates/arizona) [Arkansas](https://rateapi.dev/mortgage-rates/arkansas) [California](https://rateapi.dev/mortgage-rates/california) [Colorado](https://rateapi.dev/mortgage-rates/colorado) [Connecticut](https://rateapi.dev/mortgage-rates/connecticut) [Delaware](https://rateapi.dev/mortgage-rates/delaware) [Florida](https://rateapi.dev/mortgage-rates/florida) [Georgia](https://rateapi.dev/mortgage-rates/georgia) [Hawaii](https://rateapi.dev/mortgage-rates/hawaii) [Idaho](https://rateapi.dev/mortgage-rates/idaho) [Illinois](https://rateapi.dev/mortgage-rates/illinois) [Indiana](https://rateapi.dev/mortgage-rates/indiana) [Iowa](https://rateapi.dev/mortgage-rates/iowa) [Kansas](https://rateapi.dev/mortgage-rates/kansas) [Kentucky](https://rateapi.dev/mortgage-rates/kentucky) [Louisiana](https://rateapi.dev/mortgage-rates/louisiana) [Maine](https://rateapi.dev/mortgage-rates/maine) [Maryland](https://rateapi.dev/mortgage-rates/maryland) [Massachusetts](https://rateapi.dev/mortgage-rates/massachusetts) [Michigan](https://rateapi.dev/mortgage-rates/michigan) [Minnesota](https://rateapi.dev/mortgage-rates/minnesota) [Mississippi](https://rateapi.dev/mortgage-rates/mississippi) [Missouri](https://rateapi.dev/mortgage-rates/missouri) [Montana](https://rateapi.dev/mortgage-rates/montana) [Nebraska](https://rateapi.dev/mortgage-rates/nebraska) [Nevada](https://rateapi.dev/mortgage-rates/nevada) [New Hampshire](https://rateapi.dev/mortgage-rates/new-hampshire) [New Jersey](https://rateapi.dev/mortgage-rates/new-jersey) [New Mexico](https://rateapi.dev/mortgage-rates/new-mexico) [New York](https://rateapi.dev/mortgage-rates/new-york) [North Carolina](https://rateapi.dev/mortgage-rates/north-carolina) [North Dakota](https://rateapi.dev/mortgage-rates/north-dakota) [Ohio](https://rateapi.dev/mortgage-rates/ohio) [Oklahoma](https://rateapi.dev/mortgage-rates/oklahoma) [Oregon](https://rateapi.dev/mortgage-rates/oregon) [Pennsylvania](https://rateapi.dev/mortgage-rates/pennsylvania) [Rhode Island](https://rateapi.dev/mortgage-rates/rhode-island) [South Carolina](https://rateapi.dev/mortgage-rates/south-carolina) [South Dakota](https://rateapi.dev/mortgage-rates/south-dakota) [Tennessee](https://rateapi.dev/mortgage-rates/tennessee) [Texas](https://rateapi.dev/mortgage-rates/texas) [Utah](https://rateapi.dev/mortgage-rates/utah) [Vermont](https://rateapi.dev/mortgage-rates/vermont) [Virginia](https://rateapi.dev/mortgage-rates/virginia) [Washington](https://rateapi.dev/mortgage-rates/washington) [West Virginia](https://rateapi.dev/mortgage-rates/west-virginia) [Wisconsin](https://rateapi.dev/mortgage-rates/wisconsin) [Wyoming](https://rateapi.dev/mortgage-rates/wyoming) [District of Columbia](https://rateapi.dev/mortgage-rates/district-of-columbia) ## Build With RateAPI Access real-time mortgage rate data from credit unions across Arkansas via our REST API. 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