Arkadelphia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Arkadelphia averaged
6.61%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.64% and
one month ago for the week of 2025-05-15, the
average rate was 6.81%.
Arkadelphia's average rate one year ago was 7.15%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Arkadelphia 30 Year Fixed Rate | 2025-06-18 | 6.61% |
| Arkadelphia 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Arkadelphia 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Arkadelphia 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Arkadelphia 30 Year FHA | 2025-06-18 | -0.2% |
| Arkadelphia 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Arkadelphia 30 Year USDA | 2025-06-18 | 0.2% |
| Arkadelphia 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Arkadelphia 30 Year VA | 2025-06-18 | 0.2% |
| Arkadelphia 30 Year VA Refi | 2025-06-18 | 0.2% |
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.).
Arkadelphia Average Closing Costs & Other Stats
Arkadelphia, AR's 30 lenders originated 306
loans during 2024. The total origination value was $47,880,000, with an average loan value of
$156,471.
Arkadelphia's average closing costs are $4,498.
The top Arkadelphia lender as defined by loan originations is QUICKEN LOANS, LLC, with
14 loans originated. Their average total fees are
$5,057, which is $1,556
higher than the next largest lender,
FIRST COMMUNITY MORTGAGE, INC..
The lowest fee Arkadelphia lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($5,057), .
The lowest rate Arkadelphia lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.50%), .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $185,000 | $5,930,000 | 3,105.4% | 12.4% |
| Southern Bancorp Bank | $4,805,000 | $5,210,000 | 8.4% | 10.9% |
| QUICKEN LOANS, LLC | $2,745,000 | $4,515,000 | 64.5% | 9.4% |
| SWBC MORTGAGE CORPORATION | $485,000 | $1,850,000 | 281.4% | 3.9% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,110,000 | $1,565,000 | 41.0% | 3.3% |
| Central Bank | $1,255,000 | n/a | 2.6% | |
| MOVEMENT MORTGAGE, LLC | $1,230,000 | n/a | 2.6% | |
| Arvest Bank | $1,235,000 | $1,185,000 | -4.0% | 2.5% |
| The Citizens Bank | $535,000 | $1,125,000 | 110.3% | 2.3% |
| Simmons Bank | $1,045,000 | n/a | 2.2% | |
| U.S. Bank | $610,000 | $955,000 | 56.6% | 2.0% |
| Mortgage Research Center, LLC | $1,335,000 | $880,000 | -34.1% | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | $125,000 | $875,000 | 600.0% | 1.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $290,000 | $875,000 | 201.7% | 1.8% |
| Chambers Bank | $150,000 | $795,000 | 430.0% | 1.7% |
| Diamond Bank | $405,000 | $790,000 | 95.1% | 1.6% |
| Regions Bank | $225,000 | $775,000 | 244.4% | 1.6% |
| BROKER SOLUTIONS, INC. | $750,000 | n/a | 1.6% | |
| 21ST MORTGAGE CORPORATION | $525,000 | $720,000 | 37.1% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $410,000 | $705,000 | 72.0% | 1.5% |
| First Security Bank | $185,000 | $655,000 | 254.1% | 1.4% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $255,000 | $645,000 | 152.9% | 1.3% |
| ARKANSAS Federal Credit Union | $600,000 | $575,000 | -4.2% | 1.2% |
| GUILD MORTGAGE COMPANY | $575,000 | n/a | 1.2% | |
| ENCORE BANK | $530,000 | n/a | 1.1% | |
| Malvern National Bank | $500,000 | n/a | 1.0% | |
| Servion, Inc. | $470,000 | n/a | 1.0% | |
| NEW DAY FINANCIAL, LLC | $155,000 | $465,000 | 200.0% | 1.0% |
| DAS Acquisition Company, LLC | $35,000 | $450,000 | 1,185.7% | 0.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $445,000 | n/a | 0.9% | |
| JPMorgan Chase Bank | $95,000 | $440,000 | 363.2% | 0.9% |
| MID AMERICA MORTGAGE, INC. | $395,000 | n/a | 0.8% | |
| Mr. Cooper ( Nationstar Mortgage ) | $365,000 | n/a | 0.8% | |
| LOANPAL, LLC | $355,000 | n/a | 0.7% | |
| EVERETT FINANCIAL, INC. | $8,590,000 | $350,000 | -95.9% | 0.7% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $330,000 | n/a | 0.7% | |
| ENDEAVOR CAPITAL, LLC. | $310,000 | n/a | 0.6% | |
| First Savings Bank | $295,000 | n/a | 0.6% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $980,000 | $295,000 | -69.9% | 0.6% |
| Eagle Bank and Trust Company | $1,890,000 | $290,000 | -84.7% | 0.6% |
| BancorpSouth | $50,000 | $275,000 | 450.0% | 0.6% |
| MORTGAGE INVESTORS GROUP, INC. | $125,000 | $275,000 | 120.0% | 0.6% |
| CMG MORTGAGE, INC. | $270,000 | n/a | 0.6% | |
| CROSSCOUNTRY MORTGAGE, LLC | $265,000 | n/a | 0.6% | |
| LOANDEPOT.COM, LLC | $180,000 | $265,000 | 47.2% | 0.6% |
| GUARANTEED RATE, INC. | $235,000 | n/a | 0.5% | |
| LAKEVIEW LOAN SERVICING, LLC | $225,000 | n/a | 0.5% | |
| MORTGAGE ACCESS CORP. | $225,000 | n/a | 0.5% | |
| Intrust Bank | $165,000 | $215,000 | 30.3% | 0.4% |
| Bank of England | $205,000 | n/a | 0.4% | |
| Discover Bank | $205,000 | n/a | 0.4% | |
| First State Bank | $340,000 | $205,000 | -39.7% | 0.4% |
| Nations Lending Corporation | $200,000 | n/a | 0.4% | |
| CORNERSTONE HOME LENDING, INC. | $610,000 | $195,000 | -68.0% | 0.4% |
| TOP FLITE FINANCIAL, INC. | $175,000 | $195,000 | 11.4% | 0.4% |
| CHEVRON | $185,000 | n/a | 0.4% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $185,000 | n/a | 0.4% | |
| NEWREZ LLC | $185,000 | n/a | 0.4% | |
| VILLAGE CAPITAL MORTGAGE | $185,000 | n/a | 0.4% | |
| AMERISAVE MORTGAGE CORPORATION | $260,000 | $165,000 | -36.5% | 0.3% |
| FLAT BRANCH MORTGAGE, INC. | $95,000 | $165,000 | 73.7% | 0.3% |
| Bank of America | $55,000 | $160,000 | 190.9% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $155,000 | n/a | 0.3% | |
| Bank OZK | $1,525,000 | $155,000 | -89.8% | 0.3% |
| Farmers Bank & Trust Company | $425,000 | $145,000 | -65.9% | 0.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | $135,000 | n/a | 0.3% | |
| ZILLOW HOME LOANS, LLC | $125,000 | n/a | 0.3% | |
| MERCHANTS & FARMERS BANK | $505,000 | $105,000 | -79.2% | 0.2% |
| PLANET HOME LENDING, LLC | $105,000 | n/a | 0.2% | |
| Centennial Bank | $105,000 | $65,000 | -38.1% | 0.1% |
| Renasant Bank | $65,000 | n/a | 0.1% | |
| Wells Fargo Bank | $65,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $55,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $240,000 | $55,000 | -77.1% | 0.1% |
| PHH Mortgage Corporation | $45,000 | n/a | 0.1% |
Arkadelphia's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 12.4% market share. In second place, with 10.9%, is Southern Bancorp Bank, having originated $5,210,000 in loans. In third place, with 9.4%, is QUICKEN LOANS, LLC, having originated $4,515,000 in loans. In fourth place, with 3.9%, is SWBC MORTGAGE CORPORATION, having originated $1,850,000 in loans. In fifth place, with 3.3%, is FIRST COMMUNITY MORTGAGE, INC., having originated $1,565,000 in loans.
Arkadelphia, AR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 191 | $32,605,000 | $170,707 |
| Refi | 48 | $7,890,000 | $164,375 |
| Cash Out Refi | 30 | $4,550,000 | $151,667 |
| Home Improvement | 22 | $1,730,000 | $78,636 |
| Other | 15 | $1,105,000 | $73,667 |
Arkadelphia's most frequently cited loan purpose was Home Purchase, with 191 originations. The 2nd most popular reason was Refi, with 48 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 127 | $20,975,000 | $165,157 |
| Over 8% | 81 | $10,635,000 | $131,296 |
| 7-8% | 50 | $9,090,000 | $181,800 |
| 5-6% | 25 | $4,475,000 | $179,000 |
| <2.5% | 6 | $1,060,000 | $176,667 |
| 4-5% | 1 | $45,000 | $45,000 |
During 2024, Arkadelphia's most frequently originated rate bucket was 6-7%, with 127 originations.
Loan Sizing (Arkadelphia, AR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 136 | $19,860,000 | $146,029 |
| $100,000 or less | 100 | $5,350,000 | $53,500 |
| $200k-400k | 57 | $14,995,000 | $263,070 |
| $400k-600k | 10 | $4,860,000 | $486,000 |
| $600k-1000k | 2 | $1,560,000 | $780,000 |
| $Over $1MM | 1 | $1,255,000 | $1,255,000 |
Arkadelphia's loan sizing saw the bucket of loans from $100k-200k with 136 originations, totaling $19,860,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 136 | $24,880,000 | $182,941 |
| 60-80% | 60 | $11,850,000 | $197,500 |
| 40-60% | 39 | $5,165,000 | $132,436 |
| Under 20% | 23 | $445,000 | $19,348 |
| 20-40% | 22 | $2,110,000 | $95,909 |
| Over 100% | 5 | $935,000 | $187,000 |
Arkadelphia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 136 originations, totaling $24,880,000 in origination value.