Camden USDA Loan Rates, Closing Costs & Stats

Camden, AR

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Camden's 7 lenders originated 40 USDA loans during 2023. The total origination value was $5,060,000, with an average USDA loan value of $126,500.

    Camden USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Camden averaged 0.04% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Camden's average USDA mortgage closing costs are $4,136.

    The average rate for the prior week (2024-11-08) was 6.7% and one month ago for the week of 2024-10-11, the average rate was 6.36%.

    The average rate one year ago was 7.58%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.2%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Camden USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Camden level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FirstTrust Home Loans, Inc. 19 7.20% $5,325
    EVERETT FINANCIAL, INC. 15 7.28% $5,312
    NFM, INC. 1 7.25% $5,975
    Paramount Residential Mortgage Group, Inc. 1 5.25% $3,811
    PILGRIM MORTGAGE LLC 1 6.63% $5,407
    GMFS LLC 1 6.50% $6,735
    Farmers Bank & Trust Company 1 6.63% $4,297

    The top Camden USDA lender as defined by loan originations is FirstTrust Home Loans, Inc., with 19 USDA loans originated. Their average total fees are $5,325, which is $13 higher than the next largest lender, EVERETT FINANCIAL, INC..

    The lowest fee Camden USDA lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($5,312), FirstTrust Home Loans, Inc. ($5,325), .

    The lowest rate Camden USDA lenders (with over 10 loans originated) are FirstTrust Home Loans, Inc. (7.20%), EVERETT FINANCIAL, INC. (7.28%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Camden (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $99,225 (14.9%) $130,156 (20.0%) 0.00 137
    2018-02-01 $85,875 (1.1%) $127,381 (17.3%) 0.00 142
    2018-03-01 $87,700 (5.2%) $131,316 (21.6%) 0.00 139
    2018-04-01 $88,250 (-4.0%) $135,953 (16.2%) 0.00 146
    2018-05-01 $98,500 (3.3%) $136,545 (15.5%) 0.00 147
    2018-06-01 $99,450 (-1.2%) $134,065 (9.9%) 0.00 146
    2018-07-01 $89,500 (-23.8%) $126,494 (1.1%) 0.00 136
    2018-08-01 $99,000 (-14.5%) $129,173 (1.7%) 0.00 132
    2018-09-01 $92,500 (-15.1%) $125,308 (-1.2%) 0.00 131
    2018-10-01 $89,850 (-21.8%) $114,194 (-11.0%) 0.00 125
    2018-11-01 $89,975 (-19.1%) $115,155 (-13.2%) 0.00 126
    2018-12-01 $90,000 (-10.0%) $114,854 (-11.6%) 0.00 124
    2019-01-01 $92,500 (-6.8%) $116,580 (-10.4%) 0.00 130
    2019-02-01 $88,450 (3.0%) $114,850 (-9.8%) 0.00 123
    2019-03-01 $88,286 (0.7%) $115,012 (-12.4%) 0.00 116
    2019-04-01 $89,950 (1.9%) $117,690 (-13.4%) 0.00 112
    2019-05-01 $86,750 (-11.9%) $115,859 (-15.2%) 0.00 116
    2019-06-01 $90,000 (-9.5%) $120,272 (-10.3%) 0.00 129
    2019-07-01 $89,700 (0.2%) $119,641 (-5.4%) 0.00 122
    2019-08-01 $90,473 (-8.6%) $121,510 (-5.9%) 0.00 125
    2019-09-01 $91,332 (-1.3%) $123,941 (-1.1%) 0.00 126
    2019-10-01 $95,850 (6.7%) $126,493 (10.8%) 0.00 129
    2019-11-01 $102,000 (13.4%) $130,521 (13.3%) 0.00 125
    2019-12-01 $92,000 (2.2%) $126,371 (10.0%) 0.00 126
    2020-01-01 $94,025 (1.7%) $122,178 (4.8%) 0.00 117
    2020-02-01 $92,000 (4.0%) $120,504 (4.9%) 0.00 113
    2020-03-01 $92,000 (4.2%) $119,059 (3.5%) 0.00 109
    2020-04-01 $89,750 (-0.2%) $113,834 (-3.3%) 0.00 104
    2020-05-01 $91,000 (4.9%) $116,772 (0.8%) 0.00 111
    2020-06-01 $104,500 (16.1%) $127,329 (5.9%) 0.00 105
    2020-07-01 $109,625 (22.2%) $130,528 (9.1%) 0.00 101
    2020-08-01 $109,750 (21.3%) $132,375 (8.9%) 0.00 90
    2020-09-01 $109,625 (20.0%) $129,947 (4.9%) 0.00 90
    2020-10-01 $112,500 (17.4%) $132,861 (5.0%) 0.00 93
    2020-11-01 $123,750 (21.3%) $131,906 (1.1%) 0.00 98
    2020-12-01 $109,500 (19.0%) $134,442 (6.4%) 0.00 92
    2021-01-01 $99,700 (6.0%) $130,313 (6.7%) 0.00 88
    2021-02-01 $93,000 (1.1%) $130,196 (8.0%) 0.00 76
    2021-03-01 $94,500 (2.7%) $125,620 (5.5%) 0.00 77
    2021-04-01 $105,000 (17.0%) $136,594 (20.0%) 0.00 73
    2021-05-01 $127,500 (40.1%) $142,652 (22.2%) 0.00 66
    2021-06-01 $135,625 (29.8%) $144,024 (13.1%) 0.00 67
    2021-07-01 $128,950 (17.6%) $151,520 (16.1%) 0.00 69
    2021-08-01 $120,325 (9.6%) $155,508 (17.5%) 0.00 71
    2021-09-01 $115,250 (5.1%) $156,127 (20.2%) 0.00 71
    2021-10-01 $137,500 (22.2%) $158,071 (19.0%) 0.00 69
    2021-11-01 $140,000 (13.1%) $153,043 (16.0%) 0.00 57
    2021-12-01 $126,950 (15.9%) $143,978 (7.1%) 0.00 53
    2022-01-01 $130,200 (30.6%) $141,290 (8.4%) 0.00 51
    2022-02-01 $141,800 (52.5%) $143,156 (10.0%) 0.00 49
    2022-03-01 $144,200 (52.6%) $167,852 (33.6%) 0.00 47
    2022-04-01 $139,500 (32.9%) $157,107 (15.0%) 0.00 55
    2022-05-01 $139,750 (9.6%) $166,640 (16.8%) 0.00 48
    2022-06-01 $153,350 (13.1%) $178,322 (23.8%) 0.00 53
    2022-07-01 $159,900 (24.0%) $192,172 (26.8%) 0.00 65
    2022-08-01 $172,000 (43.0%) $217,325 (39.8%) 0.00 64
    2022-09-01 $159,200 (38.1%) $206,964 (32.6%) 0.00 66
    2022-10-01 $174,900 (27.2%) $217,523 (37.6%) 0.00 68
    2022-11-01 $177,225 (26.6%) $227,924 (48.9%) 0.00 74
    2022-12-01 $169,900 (33.8%) $230,606 (60.2%) 0.00 72
    2023-01-01 $162,175 (24.6%) $219,644 (55.5%) 0.00 78
    2023-02-01 $187,225 (32.0%) $221,682 (54.9%) 0.00 86
    2023-03-01 $178,100 (23.5%) $219,628 (30.9%) 0.00 89
    2023-04-01 $175,500 (25.8%) $217,900 (38.7%) 0.00 85
    2023-05-01 $178,125 (27.5%) $217,760 (30.7%) 0.00 75
    2023-06-01 $169,250 (10.4%) $198,663 (11.4%) 0.00 77
    2023-07-01 $166,450 (4.1%) $175,061 (-8.9%) 0.00 81
    2023-08-01 $169,850 (-1.3%) $187,754 (-13.6%) 0.00 80
    2023-09-01 $169,900 (6.7%) $200,157 (-3.3%) 0.00 77
    2023-10-01 $169,900 (-2.9%) $210,715 (-3.1%) 0.00 81
    2023-11-01 $148,725 (-16.1%) $187,373 (-17.8%) 0.00 64
    2023-12-01 $144,950 (-14.7%) $183,223 (-20.6%) 0.00 66
    2024-01-01 $140,850 (-13.2%) $168,245 (-23.4%) 0.00 63
    2024-02-01 $153,500 (-18.0%) $179,717 (-18.9%) 0.00 62
    2024-03-01 $159,900 (-10.2%) $179,120 (-18.4%) 0.00 66
    2024-04-01 $159,200 (-9.3%) $171,595 (-21.3%) 0.00 71
    2024-05-01 $146,225 (-17.9%) $175,454 (-19.4%) 0.00 69
    2024-06-01 $144,900 (-14.4%) $179,185 (-9.8%) 0.00 72
    2024-07-01 $130,350 (-21.7%) $167,201 (-4.5%) 0.00 73
    2024-08-01 $139,500 (-17.9%) $172,015 (-8.4%) 0.00 78
    2024-09-01 $127,250 (-25.1%) $170,654 (-14.7%) 0.00 77
    2024-10-01 $147,250 (-13.3%) $183,598 (-12.9%) 0.00 80
    Camden's median listing price for 2024-10-01 was $147,250, a difference of $-22,650 (-13.3%) versus the prior year and $20,000 versus the prior month.

    Camden's median listing price comes in at 0% of the national average.

    Camden's average listing price for 2024-10-01 was $183,598, a difference of $-27,117 (-12.9%) versus the prior year and $12,944 versus the prior month.

    For the 2024-10-01 period, Camden had 80 MLS listings, a difference of 3 listings (4%) versus the prior month and -1 listings (-1%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Camden (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,919 sqft
    2018-02-01 0 days 1,936 sqft
    2018-03-01 0 days 1,964 sqft
    2018-04-01 0 days 2,066 sqft
    2018-05-01 0 days 2,077 sqft
    2018-06-01 0 days 1,948 sqft
    2018-07-01 0 days 1,865 sqft
    2018-08-01 0 days 1,869 sqft
    2018-09-01 0 days 1,840 sqft
    2018-10-01 0 days 1,827 sqft
    2018-11-01 0 days 1,844 sqft
    2018-12-01 0 days 1,869 sqft
    2019-01-01 0 days 1,868 sqft
    2019-02-01 0 days 1,856 sqft
    2019-03-01 0 days 1,865 sqft
    2019-04-01 0 days 1,874 sqft
    2019-05-01 0 days 1,880 sqft
    2019-06-01 0 days 1,896 sqft
    2019-07-01 0 days 1,846 sqft
    2019-08-01 0 days 1,794 sqft
    2019-09-01 0 days 1,742 sqft
    2019-10-01 0 days 1,711 sqft
    2019-11-01 0 days 1,746 sqft
    2019-12-01 0 days 1,707 sqft
    2020-01-01 0 days 1,699 sqft
    2020-02-01 0 days 1,697 sqft
    2020-03-01 0 days 1,702 sqft
    2020-04-01 0 days 1,831 sqft
    2020-05-01 0 days 1,755 sqft
    2020-06-01 0 days 1,800 sqft
    2020-07-01 0 days 1,853 sqft
    2020-08-01 0 days 1,856 sqft
    2020-09-01 0 days 1,859 sqft
    2020-10-01 0 days 1,896 sqft
    2020-11-01 0 days 1,888 sqft
    2020-12-01 0 days 1,878 sqft
    2021-01-01 0 days 1,868 sqft
    2021-02-01 0 days 1,886 sqft
    2021-03-01 0 days 1,878 sqft
    2021-04-01 0 days 2,009 sqft
    2021-05-01 0 days 1,990 sqft
    2021-06-01 0 days 2,012 sqft
    2021-07-01 0 days 1,899 sqft
    2021-08-01 0 days 1,909 sqft
    2021-09-01 0 days 1,790 sqft
    2021-10-01 0 days 1,834 sqft
    2021-11-01 0 days 1,772 sqft
    2021-12-01 0 days 1,717 sqft
    2022-01-01 0 days 1,779 sqft
    2022-02-01 0 days 1,749 sqft
    2022-03-01 0 days 1,869 sqft
    2022-04-01 0 days 1,726 sqft
    2022-05-01 0 days 1,788 sqft
    2022-06-01 0 days 1,752 sqft
    2022-07-01 0 days 1,829 sqft
    2022-08-01 0 days 1,892 sqft
    2022-09-01 0 days 1,869 sqft
    2022-10-01 0 days 1,914 sqft
    2022-11-01 0 days 1,893 sqft
    2022-12-01 0 days 1,756 sqft
    2023-01-01 0 days 1,729 sqft
    2023-02-01 0 days 1,812 sqft
    2023-03-01 0 days 1,726 sqft
    2023-04-01 0 days 1,730 sqft
    2023-05-01 0 days 1,742 sqft
    2023-06-01 0 days 1,745 sqft
    2023-07-01 0 days 1,740 sqft
    2023-08-01 0 days 1,802 sqft
    2023-09-01 0 days 1,792 sqft
    2023-10-01 0 days 1,827 sqft
    2023-11-01 0 days 1,694 sqft
    2023-12-01 0 days 1,664 sqft
    2024-01-01 0 days 1,739 sqft
    2024-02-01 0 days 1,825 sqft
    2024-03-01 0 days 1,790 sqft
    2024-04-01 0 days 1,749 sqft
    2024-05-01 0 days 1,766 sqft
    2024-06-01 0 days 1,745 sqft
    2024-07-01 0 days 1,643 sqft
    2024-08-01 0 days 1,640 sqft
    2024-09-01 0 days 1,604 sqft
    2024-10-01 0 days 1,626 sqft
    Camden's median listing age (time on market) for 2024-10-01 was 0 days.

    Camden's median square footage for active listings during the 2024-10-01 period was 1,626 sqft. One year prior, the average listing was 1,827 sqft.