Arkadelphia Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Arkadelphia averaged 6.99% for the week of 2023-06-01, compared to the national average of 6.79% for the same period.

The average rate for the prior week (2023-05-25) was 6.77% and one month ago for the week of 2023-04-27, the average rate was 6.23%.

Arkadelphia's average rate one year ago was 5%.

For refis of the same type during the week of 2023-06-01, the average rate was 6.89%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-06-01 6.79%
Arkadelphia 30 Year Fixed Rate 2023-06-01 6.99%
Arkadelphia 30 Year Fixed Rate Refi 2023-06-01 6.89%
Arkadelphia 15 Year Fixed Rate 2023-06-01 6.18%
Arkadelphia 15 Year Fixed Rate Refi 2023-06-01 6.78%
Arkadelphia 30 Year FHA 2023-06-01 -0.1%
Arkadelphia 30 Year FHA Refi 2023-06-01 0.1%
Arkadelphia 30 Year USDA 2023-06-01 -0.1%
Arkadelphia 30 Year USDA Refi 2023-06-01 -0.1%
Arkadelphia 30 Year VA 2023-06-01 0%
Arkadelphia 30 Year VA Refi 2023-06-01 0.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Arkadelphia, AR.

Arkadelphia Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Arkadelphia, AR market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 8 4.84% $5,080
EVERETT FINANCIAL, INC. 8 6.20% $1,576
Regions Bank 6 5.40% $3,051
FIRST COMMUNITY MORTGAGE, INC. 5 4.80% $3,289
Wells Fargo Bank 4 4.63% $4,536
Arvest Bank 4 5.63% $5,809
FirstTrust Home Loans, Inc. 3 5.41% $3,240
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 5.79% $7,485
Servion, Inc. 3 4.58% $3,788
LOANDEPOT.COM, LLC 3 4.37% $4,969
Mr. Cooper ( Nationstar Mortgage ) 3 5.87% $5,524
SOFI LENDING CORP. 2 3.56% $2,335
BANK OF LITTLE ROCK MORTGAGE CORPORATION 2 3.56% $2,135
AMERISAVE MORTGAGE CORPORATION 1 5.13% $6,744
MORTGAGE ACCESS CORP. 1 5.49% $3,292
NEWREZ LLC 1 6.63% $3,049
PENNYMAC LOAN SERVICES, LLC 1 4.75% $7,934
Prosperity Home Mortgage, LLC 1 6.63% $7,558
Simmons Bank 1 3.13% $4,901
STOCKTON MORTGAGE CORPORATION 1 4.88% $5,129
TOP FLITE FINANCIAL, INC. 1 4.50% $3,382
USAA Federal Savings Bank 1 5.38% $2,723
U.S. Bank 1 3.88% $1,946
JPMorgan Chase Bank 1 5.13% $4,159
BROKER SOLUTIONS, INC. 1 6.10% $4,987
CALIBER HOME LOANS, INC. 1 6.63% $3,049
Centennial Bank 1 3.88% $5,601
Chambers Bank 1 3.99% $2,047
CHURCHILL MORTGAGE CORPORATION 1 5.63% $3,350
Citizens Bank 1 4.63% $4,654
Farm Credit Services of Western Arkansas, ACA 1 6.30% $4,947
First Community Bank 1 4.50% $1,535
Gateway First Bank 1 4.25% $2,344
GERSHMAN INVESTMENT CORP. 1 5.75% $2,921
GMFS LLC 1 4.63% $3,149
GUARANTEED RATE AFFINITY, LLC 1 6.88% $3,248

Arkadelphia Average Closing Costs & Other Stats

Arkadelphia, AR's 36 lenders originated 351 loans during 2022. The total origination value was $58,955,000, with an average loan value of $167,963.

Arkadelphia's average closing costs are $4,102.

The top Arkadelphia lender as defined by loan originations is QUICKEN LOANS, LLC, with 8 loans originated. Their average total fees are $5,080, which is $3,504 higher than the next largest lender, EVERETT FINANCIAL, INC..

The lowest fee Arkadelphia lenders (with over 10 loans originated) are .

The lowest rate Arkadelphia lenders (with over 10 loans originated) are .

Arkadelphia, AR Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
ARKANSAS Federal Credit Union $330,000 $11,220,000 3,300.0% 19.0%
EVERETT FINANCIAL, INC. $1,150,000 $6,030,000 424.3% 10.2%
Southern Bancorp Bank $7,290,000 $5,900,000 -19.1% 10.0%
QUICKEN LOANS, LLC $6,550,000 $2,900,000 -55.7% 4.9%
The Citizens Bank $7,255,000 $1,750,000 -75.9% 3.0%
Regions Bank $870,000 $1,540,000 77.0% 2.6%
Mortgage Research Center, LLC $930,000 $1,330,000 43.0% 2.3%
LOANDEPOT.COM, LLC $1,070,000 $1,250,000 16.8% 2.1%
Wells Fargo Bank $1,390,000 $1,250,000 -10.1% 2.1%
FirstTrust Home Loans, Inc. $600,000 $1,240,000 106.7% 2.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $920,000 $1,165,000 26.6% 2.0%
BANK OF LITTLE ROCK MORTGAGE CORPORATION $1,075,000 n/a 1.8%
FIRST COMMUNITY MORTGAGE, INC. $3,765,000 $1,070,000 -71.6% 1.8%
TRIAD FINANCIAL SERVICES, INC. $645,000 $1,015,000 57.4% 1.7%
U.S. Bank $3,190,000 $1,015,000 -68.2% 1.7%
Mr. Cooper ( Nationstar Mortgage ) $295,000 $960,000 225.4% 1.6%
Arvest Bank $1,440,000 $860,000 -40.3% 1.5%
USAA Federal Savings Bank $865,000 $855,000 -1.2% 1.5%
Farmers Bank & Trust Company $285,000 $755,000 164.9% 1.3%
SWBC MORTGAGE CORPORATION $435,000 $745,000 71.3% 1.3%
UNITED WHOLESALE MORTGAGE, LLC $420,000 $735,000 75.0% 1.2%
AMERISAVE MORTGAGE CORPORATION $535,000 $635,000 18.7% 1.1%
Citizens Bank $195,000 $630,000 223.1% 1.1%
Farm Credit Services of Western Arkansas, ACA $820,000 $615,000 -25.0% 1.0%
Simmons Bank $815,000 $610,000 -25.2% 1.0%
Diamond Bank $370,000 $595,000 60.8% 1.0%
CORNERSTONE HOME LENDING, INC. $815,000 $570,000 -30.1% 1.0%
JPMorgan Chase Bank $345,000 $510,000 47.8% 0.9%
VANDERBILT MORTGAGE AND FINANCE, INC. $805,000 $495,000 -38.5% 0.8%
Chambers Bank $470,000 $490,000 4.3% 0.8%
Gateway First Bank $480,000 n/a 0.8%
First Community Bank $320,000 $465,000 45.3% 0.8%
21ST MORTGAGE CORPORATION $235,000 $455,000 93.6% 0.8%
SOFI LENDING CORP. $185,000 $450,000 143.2% 0.8%
Servion, Inc. $620,000 $400,000 -35.5% 0.7%
MORTGAGE ACCESS CORP. $145,000 $335,000 131.0% 0.6%
SOVEREIGN LENDING GROUP INCORPORATED $265,000 $325,000 22.6% 0.6%
UNITED BUILT HOMES, L.L.C. $345,000 $315,000 -8.7% 0.5%
Bank of England $450,000 $305,000 -32.2% 0.5%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $420,000 $280,000 -33.3% 0.5%
GMFS LLC $200,000 $270,000 35.0% 0.5%
BancorpSouth Bank $55,000 $230,000 318.2% 0.4%
PENNYMAC LOAN SERVICES, LLC $1,040,000 $230,000 -77.9% 0.4%
Prosperity Home Mortgage, LLC $225,000 n/a 0.4%
First Guaranty Mortgage Corporation $215,000 n/a 0.4%
SOUTHWEST STAGE FUNDING, LLC $315,000 $215,000 -31.7% 0.4%
The Federal Savings Bank $215,000 n/a 0.4%
First United Bank and Trust Company $205,000 n/a 0.3%
FREEDOM MORTGAGE CORPORATION $1,360,000 $195,000 -85.7% 0.3%
TEXAR $195,000 n/a 0.3%
BROKER SOLUTIONS, INC. $230,000 $180,000 -21.7% 0.3%
Community Bank of Louisiana $175,000 n/a 0.3%
AMERICAN FINANCING CORPORATION $165,000 n/a 0.3%
PILGRIM MORTGAGE LLC $115,000 $165,000 43.5% 0.3%
Carrington Mortgage Services, LLC $155,000 $155,000 0.0% 0.3%
Centennial Bank $165,000 $155,000 -6.1% 0.3%
Eagle Bank and Trust Company $365,000 $145,000 -60.3% 0.2%
Midwest Mortgage Associates Corporation $145,000 n/a 0.2%
Bethpage Federal Credit Union $135,000 n/a 0.2%
CROSSCOUNTRY MORTGAGE, LLC $135,000 n/a 0.2%
RELIANCE FIRST CAPITAL, LLC $135,000 n/a 0.2%
Flagstar Bank, FSB $125,000 n/a 0.2%
GUARANTEED RATE AFFINITY, LLC $115,000 n/a 0.2%
CHURCHILL MORTGAGE CORPORATION $175,000 $105,000 -40.0% 0.2%
STOCKTON MORTGAGE CORPORATION $105,000 n/a 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $95,000 n/a 0.2%
Stone Bank $95,000 n/a 0.2%
BETTER MORTGAGE CORPORATION $595,000 $85,000 -85.7% 0.1%
First Security Bank $165,000 $85,000 -48.5% 0.1%
GERSHMAN INVESTMENT CORP. $85,000 n/a 0.1%
The First National Bank of Tom Bean $165,000 $65,000 -60.6% 0.1%
AMERICAN ADVISORS GROUP $55,000 n/a 0.1%
Evolve Bank & Trust $55,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $55,000 n/a 0.1%
United Community Bank $55,000 n/a 0.1%
Bank OZK $165,000 $45,000 -72.7% 0.1%
CALIBER HOME LOANS, INC. $210,000 $45,000 -78.6% 0.1%
Intrust Bank $45,000 n/a 0.1%
NEWREZ LLC $180,000 $45,000 -75.0% 0.1%
Relyance Bank $575,000 $45,000 -92.2% 0.1%
TOP FLITE FINANCIAL, INC. $445,000 $45,000 -89.9% 0.1%

Arkadelphia's top lender by overall market share is ARKANSAS Federal Credit Union, with 19.0% market share. In second place, with 10.2%, is EVERETT FINANCIAL, INC., having originated $6,030,000 in loans. In third place, with 10.0%, is Southern Bancorp Bank, having originated $5,900,000 in loans. In fourth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $2,900,000 in loans. In fifth place, with 3.0%, is The Citizens Bank, having originated $1,750,000 in loans.


Arkadelphia Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Arkadelphia (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 $133,375 (8.4%) $160,787 (13.9%) 0.00 107
2018-02-01 $129,975 (5.7%) $159,030 (14.4%) 0.00 112
2018-03-01 $129,925 (4.0%) $158,107 (9.6%) 0.00 116
2018-04-01 $132,500 (6.0%) $161,684 (14.9%) 0.00 117
2018-05-01 $133,500 (4.0%) $161,527 (13.1%) 0.00 116
2018-06-01 $131,213 (0.9%) $155,947 (6.3%) 0.00 114
2018-07-01 $129,569 (-0.3%) $155,329 (2.2%) 0.00 110
2018-08-01 $124,863 (-3.4%) $155,803 (2.5%) 0.00 105
2018-09-01 $121,725 (-4.1%) $151,634 (1.6%) 0.00 103
2018-10-01 $119,938 (-4.0%) $152,183 (2.9%) 0.00 102
2018-11-01 $129,825 (3.9%) $163,715 (8.8%) 0.00 100
2018-12-01 $139,725 (7.5%) $164,966 (7.3%) 0.00 97
2019-01-01 $139,950 (4.9%) $165,266 (2.8%) 0.00 101
2019-02-01 $136,922 (5.3%) $159,172 (0.1%) 0.00 100
2019-03-01 $131,400 (1.1%) $154,370 (-2.4%) 0.00 100
2019-04-01 $129,950 (-1.9%) $151,030 (-6.6%) 0.00 93
2019-05-01 $124,390 (-6.8%) $152,136 (-5.8%) 0.00 89
2019-06-01 $134,975 (2.9%) $152,562 (-2.2%) 0.00 82
2019-07-01 $120,550 (-7.0%) $150,209 (-3.3%) 0.00 83
2019-08-01 $124,305 (-0.5%) $152,000 (-2.4%) 0.00 78
2019-09-01 $131,586 (8.1%) $157,732 (4.0%) 0.00 75
2019-10-01 $136,441 (13.8%) $161,553 (6.2%) 0.00 72
2019-11-01 $122,400 (-5.7%) $153,714 (-6.1%) 0.00 77
2019-12-01 $119,225 (-14.7%) $152,251 (-7.7%) 0.00 75
2020-01-01 $125,700 (-10.2%) $151,394 (-8.4%) 0.00 74
2020-02-01 $129,500 (-5.4%) $148,386 (-6.8%) 0.00 79
2020-03-01 $130,943 (-0.4%) $149,556 (-3.1%) 0.00 85
2020-04-01 $138,475 (6.6%) $154,001 (2.0%) 0.00 79
2020-05-01 $139,500 (12.2%) $155,556 (2.3%) 0.00 72
2020-06-01 $144,871 (7.3%) $157,443 (3.2%) 0.00 61
2020-07-01 $149,900 (24.4%) $158,749 (5.7%) 0.00 64
2020-08-01 $149,943 (20.6%) $164,310 (8.1%) 0.00 57
2020-09-01 $149,985 (14.0%) $162,561 (3.1%) 0.00 61
2020-10-01 $149,943 (9.9%) $157,997 (-2.2%) 0.00 66
2020-11-01 $148,971 (21.7%) $152,694 (-0.7%) 0.00 54
2020-12-01 $144,375 (21.1%) $151,021 (-0.8%) 0.00 54
2021-01-01 $139,000 (10.6%) $151,776 (0.3%) 0.00 47
2021-02-01 $144,488 (11.6%) $165,039 (11.2%) 0.00 44
2021-03-01 $154,788 (18.2%) $170,043 (13.7%) 0.00 29
2021-04-01 $171,875 (24.1%) $200,183 (30.0%) 0.00 32
2021-05-01 $147,500 (5.7%) $202,446 (30.1%) 0.00 35
2021-06-01 $147,375 (1.7%) $197,378 (25.4%) 0.00 32
2021-07-01 $147,500 (-1.6%) $188,788 (18.9%) 0.00 30
2021-08-01 $127,223 (-15.2%) $177,735 (8.2%) 0.00 21
2021-09-01 $147,500 (-1.7%) $167,991 (3.3%) 0.00 27
2021-10-01 $147,500 (-1.6%) $157,269 (-0.5%) 0.00 33
2021-11-01 $158,530 (6.4%) $210,227 (37.7%) 0.00 31
2021-12-01 $157,500 (9.1%) $202,932 (34.4%) 0.00 27
2022-01-01 $169,900 (22.2%) $189,573 (24.9%) 0.00 30
2022-02-01 $151,375 (4.8%) $167,086 (1.2%) 0.00 39
2022-03-01 $144,063 (-6.9%) $148,784 (-12.5%) 0.00 32
2022-04-01 $159,000 (-7.5%) $197,406 (-1.4%) 0.00 33
2022-05-01 $169,900 (15.2%) $202,869 (0.2%) 0.00 37
2022-06-01 $169,675 (15.1%) $207,773 (5.3%) 0.00 39
2022-07-01 $137,000 (-7.1%) $192,025 (1.7%) 0.00 39
2022-08-01 $158,675 (24.7%) $209,383 (17.8%) 0.00 39
2022-09-01 $159,375 (8.1%) $207,662 (23.6%) 0.00 52
2022-10-01 $169,873 (15.2%) $264,260 (68.0%) 0.00 47
2022-11-01 $176,225 (11.2%) $256,422 (22.0%) 0.00 52
2022-12-01 $169,500 (7.6%) $209,366 (3.2%) 0.00 54
2023-01-01 $175,000 (3.0%) $207,509 (9.5%) 0.00 54
2023-02-01 $167,250 (10.5%) $207,899 (24.4%) 0.00 56
2023-03-01 $154,000 (6.9%) $204,046 (37.1%) 0.00 53
2023-04-01 $169,875 (6.8%) $213,748 (8.3%) 0.00 57
2023-05-01 $191,225 (12.6%) $226,511 (11.7%) 0.00 59
Arkadelphia's median listing price for 2023-05-01 was $191,225, a difference of $21,325 (12.6%) versus the prior year and $21,350 versus the prior month.

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

Arkadelphia's average listing price for 2023-05-01 was $226,511, a difference of $23,642 (11.7%) versus the prior year and $12,763 versus the prior month.

For the 2023-05-01 period, Arkadelphia had 59 MLS listings, a difference of 2 listings (4%) versus the prior month and 22 listings (59%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Arkadelphia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,800 sqft
2018-02-01 0 days 1,817 sqft
2018-03-01 0 days 1,811 sqft
2018-04-01 0 days 1,850 sqft
2018-05-01 0 days 1,850 sqft
2018-06-01 0 days 1,800 sqft
2018-07-01 0 days 1,817 sqft
2018-08-01 0 days 1,841 sqft
2018-09-01 0 days 1,760 sqft
2018-10-01 0 days 1,734 sqft
2018-11-01 0 days 1,776 sqft
2018-12-01 0 days 1,774 sqft
2019-01-01 0 days 1,773 sqft
2019-02-01 0 days 1,743 sqft
2019-03-01 0 days 1,700 sqft
2019-04-01 0 days 1,698 sqft
2019-05-01 0 days 1,755 sqft
2019-06-01 0 days 1,812 sqft
2019-07-01 0 days 1,758 sqft
2019-08-01 0 days 1,786 sqft
2019-09-01 0 days 1,825 sqft
2019-10-01 0 days 1,843 sqft
2019-11-01 0 days 1,786 sqft
2019-12-01 0 days 1,813 sqft
2020-01-01 0 days 1,856 sqft
2020-02-01 0 days 1,838 sqft
2020-03-01 0 days 1,858 sqft
2020-04-01 0 days 1,925 sqft
2020-05-01 0 days 1,890 sqft
2020-06-01 0 days 1,931 sqft
2020-07-01 0 days 1,941 sqft
2020-08-01 0 days 1,930 sqft
2020-09-01 0 days 1,914 sqft
2020-10-01 0 days 1,909 sqft
2020-11-01 0 days 1,952 sqft
2020-12-01 0 days 1,915 sqft
2021-01-01 0 days 1,810 sqft
2021-02-01 0 days 1,744 sqft
2021-03-01 0 days 2,013 sqft
2021-04-01 0 days 2,132 sqft
2021-05-01 0 days 1,974 sqft
2021-06-01 0 days 1,840 sqft
2021-07-01 0 days 2,034 sqft
2021-08-01 0 days 1,843 sqft
2021-09-01 0 days 1,820 sqft
2021-10-01 0 days 1,800 sqft
2021-11-01 0 days 1,934 sqft
2021-12-01 0 days 1,834 sqft
2022-01-01 0 days 1,770 sqft
2022-02-01 0 days 1,517 sqft
2022-03-01 0 days 1,480 sqft
2022-04-01 0 days 1,662 sqft
2022-05-01 0 days 1,713 sqft
2022-06-01 0 days 1,701 sqft
2022-07-01 0 days 1,657 sqft
2022-08-01 0 days 1,654 sqft
2022-09-01 0 days 1,695 sqft
2022-10-01 0 days 1,683 sqft
2022-11-01 0 days 1,657 sqft
2022-12-01 0 days 1,657 sqft
2023-01-01 0 days 1,657 sqft
2023-02-01 0 days 1,634 sqft
2023-03-01 0 days 1,590 sqft
2023-04-01 0 days 1,614 sqft
2023-05-01 0 days 1,657 sqft
Arkadelphia's median listing age (time on market) for 2023-05-01 was 0 days.

Arkadelphia's median square footage for active listings during the 2023-05-01 period was 1,657 sqft. One year prior, the average listing was 1,713 sqft.

Arkadelphia, AR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 223 $33,755,000 $151,368
Refi 58 $17,490,000 $301,552
Cash Out Refi 49 $6,585,000 $134,388
Other 11 $555,000 $50,455
Home Improvement 10 $570,000 $57,000

Arkadelphia's most frequently cited loan purpose was Home Purchase, with 223 originations. The 2nd most popular reason was Refi, with 58 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 90 $13,370,000 $148,556
4-5% 82 $10,800,000 $131,707
3-4% 70 $21,380,000 $305,429
6-7% 44 $5,740,000 $130,455
7-8% 31 $3,215,000 $103,710
Over 8% 9 $1,085,000 $120,556
2.5-3% 8 $1,010,000 $126,250
<2.5% 7 $1,185,000 $169,286

During 2022, Arkadelphia's most frequently originated rate bucket was 5-6%, with 90 originations.

Loan Sizing (Arkadelphia, AR MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 142 $19,980,000 $140,704
$100,000 or less 136 $8,480,000 $62,353
$200k-400k 68 $17,970,000 $264,265
$400k-600k 3 $1,415,000 $471,667
$Over $1MM 2 $11,110,000 $5,555,000

Arkadelphia's loan sizing saw the bucket of loans from $100k-200k with 142 originations, totaling $19,980,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 172 $27,690,000 $160,988
60-80% 92 $23,530,000 $255,761
40-60% 29 $2,945,000 $101,552
20-40% 24 $1,540,000 $64,167
Under 20% 15 $305,000 $20,333
Over 100% 7 $1,595,000 $227,857

Arkadelphia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 172 originations, totaling $27,690,000 in origination value.