Harrison USDA Loan Rates, Closing Costs & Stats

Harrison, 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.

    Harrison's 15 lenders originated 63 USDA loans during 2024. The total origination value was $9,935,000, with an average USDA loan value of $157,698.

    Harrison USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Harrison averaged 6.36% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Harrison's average USDA mortgage closing costs are $4,318.

    The average rate for the prior week (2025-03-28) was 6.32% and one month ago for the week of 2025-02-28, the average rate was 6.47%.

    The average rate one year ago was 6.53%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.42%.

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

    Harrison 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 Harrison level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 18 6.57% $5,847
    Equity Bank 7 6.00% $4,824
    GMFS LLC 4 5.78% $4,788
    DAS Acquisition Company, LLC 4 6.37% $5,131
    Servion, Inc. 3 6.29% $4,494
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.88% $4,978
    First Community Bank 2 6.38% $5,349
    UNION HOME MORTGAGE CORP. 2 6.19% $4,311
    FLAT BRANCH MORTGAGE, INC. 1 6.75% $5,558
    Paramount Residential Mortgage Group, Inc. 1 6.50% $7,341
    Plains Commerce Bank 1 6.50% $2,636
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $4,939
    Equity Prime Mortgage LLC 1 6.25% $4,840
    SUN WEST MORTGAGE COMPANY, INC. 1 7.07% $7,156
    Great Southern Bank 1 6.50% $4,167

    The top Harrison USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 18 USDA loans originated. Their average total fees are $5,847, which is $1,023 higher than the next largest lender, Equity Bank.

    The lowest fee Harrison USDA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY ($5,847), .

    The lowest rate Harrison USDA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY (6.57%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Harrison (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 $154,950 (10.8%) $219,357 (10.2%) 0.00 271
    2018-02-01 $154,925 (9.7%) $207,174 (-4.3%) 0.00 268
    2018-03-01 $149,900 (0.0%) $202,389 (-8.3%) 0.00 258
    2018-04-01 $149,450 (-4.5%) $201,648 (-11.7%) 0.00 254
    2018-05-01 $149,000 (-6.7%) $199,173 (-12.1%) 0.00 256
    2018-06-01 $150,000 (-4.5%) $207,423 (-6.7%) 0.00 270
    2018-07-01 $152,350 (1.6%) $209,379 (-3.9%) 0.00 285
    2018-08-01 $149,900 (-9.1%) $208,590 (-3.4%) 0.00 296
    2018-09-01 $149,900 (-9.1%) $207,938 (-3.8%) 0.00 305
    2018-10-01 $149,975 (-6.6%) $205,988 (-7.7%) 0.00 299
    2018-11-01 $143,725 (-9.9%) $201,355 (-6.6%) 0.00 302
    2018-12-01 $146,125 (-5.7%) $205,069 (-6.0%) 0.00 274
    2019-01-01 $143,500 (-7.4%) $202,126 (-7.9%) 0.00 258
    2019-02-01 $149,900 (-3.2%) $205,621 (-0.8%) 0.00 260
    2019-03-01 $154,186 (2.9%) $215,395 (6.4%) 0.00 261
    2019-04-01 $161,900 (8.3%) $230,219 (14.2%) 0.00 262
    2019-05-01 $162,925 (9.4%) $236,962 (19.0%) 0.00 272
    2019-06-01 $164,450 (9.6%) $239,026 (15.2%) 0.00 272
    2019-07-01 $168,450 (10.6%) $238,876 (14.1%) 0.00 274
    2019-08-01 $166,723 (11.2%) $241,714 (15.9%) 0.00 261
    2019-09-01 $173,207 (15.6%) $249,023 (19.8%) 0.00 255
    2019-10-01 $177,530 (18.4%) $248,907 (20.8%) 0.00 251
    2019-11-01 $175,000 (21.8%) $244,990 (21.7%) 0.00 254
    2019-12-01 $176,000 (20.4%) $246,256 (20.1%) 0.00 232
    2020-01-01 $178,450 (24.4%) $270,883 (34.0%) 0.00 211
    2020-02-01 $174,250 (16.2%) $273,434 (33.0%) 0.00 201
    2020-03-01 $179,950 (16.7%) $286,058 (32.8%) 0.00 197
    2020-04-01 $179,900 (11.1%) $270,715 (17.6%) 0.00 190
    2020-05-01 $172,167 (5.7%) $276,749 (16.8%) 0.00 170
    2020-06-01 $181,950 (10.6%) $292,233 (22.3%) 0.00 157
    2020-07-01 $202,950 (20.5%) $304,536 (27.5%) 0.00 134
    2020-08-01 $218,250 (30.9%) $313,808 (29.8%) 0.00 117
    2020-09-01 $213,700 (23.4%) $335,440 (34.7%) 0.00 105
    2020-10-01 $219,000 (23.4%) $351,827 (41.4%) 0.00 100
    2020-11-01 $221,200 (26.4%) $352,093 (43.7%) 0.00 97
    2020-12-01 $199,700 (13.5%) $337,365 (37.0%) 0.00 96
    2021-01-01 $219,900 (23.2%) $362,111 (33.7%) 0.00 81
    2021-02-01 $259,900 (49.2%) $405,390 (48.3%) 0.00 68
    2021-03-01 $247,675 (37.6%) $408,808 (42.9%) 0.00 70
    2021-04-01 $271,000 (50.6%) $446,747 (65.0%) 0.00 67
    2021-05-01 $259,900 (51.0%) $460,165 (66.3%) 0.00 61
    2021-06-01 $272,450 (49.7%) $477,141 (63.3%) 0.00 58
    2021-07-01 $268,800 (32.5%) $340,296 (11.7%) 0.00 73
    2021-08-01 $246,425 (12.9%) $379,728 (21.0%) 0.00 89
    2021-09-01 $260,500 (21.9%) $417,384 (24.4%) 0.00 92
    2021-10-01 $237,400 (8.4%) $411,742 (17.0%) 0.00 87
    2021-11-01 $239,950 (8.5%) $422,328 (20.0%) 0.00 84
    2021-12-01 $237,450 (18.9%) $417,545 (23.8%) 0.00 83
    2022-01-01 $254,500 (15.7%) $446,085 (23.2%) 0.00 82
    2022-02-01 $275,000 (5.8%) $491,130 (21.2%) 0.00 74
    2022-03-01 $304,700 (23.0%) $507,295 (24.1%) 0.00 82
    2022-04-01 $299,900 (10.7%) $473,045 (5.9%) 0.00 90
    2022-05-01 $327,450 (26.0%) $469,641 (2.1%) 0.00 99
    2022-06-01 $329,975 (21.1%) $455,680 (-4.5%) 0.00 124
    2022-07-01 $329,950 (22.8%) $453,913 (33.4%) 0.00 154
    2022-08-01 $339,500 (37.8%) $463,144 (22.0%) 0.00 156
    2022-09-01 $328,250 (26.0%) $443,733 (6.3%) 0.00 160
    2022-10-01 $326,250 (37.4%) $434,646 (5.6%) 0.00 171
    2022-11-01 $316,000 (31.7%) $427,477 (1.2%) 0.00 165
    2022-12-01 $299,900 (26.3%) $423,513 (1.4%) 0.00 165
    2023-01-01 $307,450 (20.8%) $432,091 (-3.1%) 0.00 144
    2023-02-01 $320,000 (16.4%) $436,662 (-11.1%) 0.00 144
    2023-03-01 $302,400 (-0.8%) $441,227 (-13.0%) 0.00 145
    2023-04-01 $299,900 (0.0%) $441,311 (-6.7%) 0.00 143
    2023-05-01 $318,675 (-2.7%) $446,329 (-5.0%) 0.00 138
    2023-06-01 $306,200 (-7.2%) $454,752 (-0.2%) 0.00 153
    2023-07-01 $300,000 (-9.1%) $457,828 (0.9%) 0.00 166
    2023-08-01 $299,900 (-11.7%) $465,685 (0.6%) 0.00 171
    2023-09-01 $315,000 (-4.0%) $443,760 (0.0%) 0.00 188
    2023-10-01 $306,175 (-6.2%) $438,685 (0.9%) 0.00 194
    2023-11-01 $294,450 (-6.8%) $432,922 (1.3%) 0.00 199
    2023-12-01 $299,900 (0.0%) $448,719 (6.0%) 0.00 198
    2024-01-01 $299,900 (-2.5%) $419,838 (-2.8%) 0.00 187
    2024-02-01 $299,900 (-6.3%) $413,908 (-5.2%) 0.00 188
    2024-03-01 $308,000 (1.9%) $422,569 (-4.2%) 0.00 199
    2024-04-01 $325,000 (8.4%) $468,213 (6.1%) 0.00 197
    2024-05-01 $328,000 (2.9%) $476,331 (6.7%) 0.00 198
    2024-06-01 $319,900 (4.5%) $460,060 (1.2%) 0.00 208
    2024-07-01 $323,725 (7.9%) $459,711 (0.4%) 0.00 216
    2024-08-01 $325,000 (8.4%) $446,766 (-4.1%) 0.00 230
    2024-09-01 $318,333 (1.1%) $429,090 (-3.3%) 0.00 276
    2024-10-01 $299,475 (-2.2%) $422,384 (-3.7%) 0.00 240
    2024-11-01 $319,500 (8.5%) $445,170 (2.8%) 0.00 239
    2024-12-01 $300,000 (0.0%) $477,450 (6.4%) 0.00 231
    2025-01-01 $300,000 (0.0%) $459,761 (9.5%) 0.00 234
    2025-02-01 $305,475 (1.9%) $457,585 (10.6%) 0.00 229
    2025-03-01 $299,900 (-2.6%) $423,589 (0.2%) 0.00 247
    Harrison's median listing price for 2025-03-01 was $299,900, a difference of $-8,100 (-2.6%) versus the prior year and $-5,575 versus the prior month.

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

    Harrison's average listing price for 2025-03-01 was $423,589, a difference of $1,020 (0.2%) versus the prior year and $-33,996 versus the prior month.

    For the 2025-03-01 period, Harrison had 247 MLS listings, a difference of 18 listings (8%) versus the prior month and 48 listings (24%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Harrison (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,764 sqft
    2018-02-01 0 days 1,764 sqft
    2018-03-01 0 days 1,750 sqft
    2018-04-01 0 days 1,775 sqft
    2018-05-01 0 days 1,750 sqft
    2018-06-01 0 days 1,804 sqft
    2018-07-01 0 days 1,833 sqft
    2018-08-01 0 days 1,798 sqft
    2018-09-01 0 days 1,749 sqft
    2018-10-01 0 days 1,717 sqft
    2018-11-01 0 days 1,742 sqft
    2018-12-01 0 days 1,759 sqft
    2019-01-01 0 days 1,736 sqft
    2019-02-01 0 days 1,744 sqft
    2019-03-01 0 days 1,772 sqft
    2019-04-01 0 days 1,802 sqft
    2019-05-01 0 days 1,799 sqft
    2019-06-01 0 days 1,816 sqft
    2019-07-01 0 days 1,849 sqft
    2019-08-01 0 days 1,823 sqft
    2019-09-01 0 days 1,810 sqft
    2019-10-01 0 days 1,798 sqft
    2019-11-01 0 days 1,748 sqft
    2019-12-01 0 days 1,800 sqft
    2020-01-01 0 days 1,819 sqft
    2020-02-01 0 days 1,796 sqft
    2020-03-01 0 days 1,825 sqft
    2020-04-01 0 days 1,831 sqft
    2020-05-01 0 days 1,850 sqft
    2020-06-01 0 days 1,989 sqft
    2020-07-01 0 days 1,967 sqft
    2020-08-01 0 days 2,132 sqft
    2020-09-01 0 days 2,042 sqft
    2020-10-01 0 days 1,980 sqft
    2020-11-01 0 days 2,011 sqft
    2020-12-01 0 days 1,883 sqft
    2021-01-01 0 days 1,802 sqft
    2021-02-01 0 days 1,821 sqft
    2021-03-01 0 days 1,768 sqft
    2021-04-01 0 days 1,855 sqft
    2021-05-01 0 days 2,310 sqft
    2021-06-01 0 days 2,174 sqft
    2021-07-01 0 days 1,900 sqft
    2021-08-01 0 days 1,833 sqft
    2021-09-01 0 days 1,802 sqft
    2021-10-01 0 days 1,724 sqft
    2021-11-01 0 days 1,725 sqft
    2021-12-01 0 days 1,724 sqft
    2022-01-01 0 days 1,723 sqft
    2022-02-01 0 days 1,727 sqft
    2022-03-01 0 days 1,746 sqft
    2022-04-01 0 days 1,748 sqft
    2022-05-01 0 days 2,034 sqft
    2022-06-01 0 days 2,056 sqft
    2022-07-01 0 days 2,048 sqft
    2022-08-01 0 days 2,015 sqft
    2022-09-01 0 days 2,071 sqft
    2022-10-01 0 days 2,048 sqft
    2022-11-01 0 days 1,860 sqft
    2022-12-01 0 days 1,860 sqft
    2023-01-01 0 days 1,944 sqft
    2023-02-01 0 days 1,891 sqft
    2023-03-01 0 days 1,913 sqft
    2023-04-01 0 days 1,920 sqft
    2023-05-01 0 days 1,948 sqft
    2023-06-01 0 days 1,921 sqft
    2023-07-01 0 days 1,944 sqft
    2023-08-01 0 days 1,910 sqft
    2023-09-01 0 days 1,887 sqft
    2023-10-01 0 days 1,874 sqft
    2023-11-01 0 days 1,796 sqft
    2023-12-01 0 days 1,773 sqft
    2024-01-01 0 days 1,798 sqft
    2024-02-01 0 days 1,786 sqft
    2024-03-01 0 days 1,800 sqft
    2024-04-01 0 days 1,925 sqft
    2024-05-01 0 days 1,975 sqft
    2024-06-01 0 days 1,956 sqft
    2024-07-01 0 days 1,987 sqft
    2024-08-01 0 days 1,990 sqft
    2024-09-01 0 days 1,959 sqft
    2024-10-01 0 days 1,884 sqft
    2024-11-01 0 days 1,904 sqft
    2024-12-01 0 days 1,872 sqft
    2025-01-01 0 days 1,858 sqft
    2025-02-01 0 days 1,822 sqft
    2025-03-01 0 days 1,766 sqft
    Harrison's median listing age (time on market) for 2025-03-01 was 0 days.

    Harrison's median square footage for active listings during the 2025-03-01 period was 1,766 sqft. One year prior, the average listing was 1,800 sqft.