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 6.73% for the week of 2022-12-01, compared to the national average of 6.49% for the same period.

The average rate for the prior week (2022-11-23) was 6.92% and one month ago for the week of 2022-10-27, the average rate was 7.42%.

Arkadelphia's average rate one year ago was 3.19%.

For refis of the same type during the week of 2022-12-01, the average rate was 6.64%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-12-01 6.49%
Arkadelphia 30 Year Fixed Rate 2022-12-01 6.73%
Arkadelphia 30 Year Fixed Rate Refi 2022-12-01 6.64%
Arkadelphia 15 Year Fixed Rate 2022-12-01 8.27%
Arkadelphia 15 Year Fixed Rate Refi 2022-12-01 6.05%
Arkadelphia 30 Year FHA 2022-12-01 6.37%
Arkadelphia 30 Year FHA Refi 2022-12-01 6.76%
Arkadelphia 30 Year USDA 2022-12-01 6.7%
Arkadelphia 30 Year USDA Refi 2022-12-01 2.73%
Arkadelphia 30 Year VA 2022-12-01 6.83%
Arkadelphia 30 Year VA Refi 2022-12-01 6.53%
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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 14 3.07% $4,116
FIRST COMMUNITY MORTGAGE, INC. 11 2.93% $3,248
AMCAP MORTGAGE, LTD. 10 3.00% $3,270
U.S. Bank 9 3.10% $2,663
Reliant Bank 6 2.81% $2,227
Wells Fargo Bank 4 3.03% $2,872
Arvest Bank 4 3.44% $3,474
Regions Bank 3 3.54% $1,666
Servion, Inc. 3 3.13% $2,433
Chambers Bank 2 3.00% $2,802
Simmons Bank 2 2.94% $2,039
Farm Credit Services of Western Arkansas, ACA 2 4.45% $3,828
First Horizon Bank 1 2.88% $3,116
First Internet Bank of Indiana 1 3.25% $2,449
GMFS LLC 1 4.75% $2,326
JPMorgan Chase Bank 1 3.49% $1,882
LOANDEPOT.COM, LLC 1 3.99% $3,991
Merchants Bank of Indiana 1 2.75% $10,811
MORTGAGE ACCESS CORP. 1 2.88% $2,082
Mortgage Research Center, LLC 1 3.88% $1,635
PILGRIM MORTGAGE LLC 1 3.99% $5,940
SWBC MORTGAGE CORPORATION 1 3.00% $3,677
The Greenwood's State Bank 1 2.88% $1,783
TOP FLITE FINANCIAL, INC. 1 3.50% $4,507
UNITED WHOLESALE MORTGAGE, LLC 1 2.89% $1,931
ZILLOW HOME LOANS, LLC 1 2.88% $1,365
AMERISAVE MORTGAGE CORPORATION 1 3.63% $2,507
ARKANSAS Federal Credit Union 1 2.88% $5,986
Centennial Bank 1 3.00% $3,094
Citizens Bank 1 2.88% $3,975
CORNERSTONE HOME LENDING, INC. 1 3.00% $7,163
Eagle Bank and Trust Company 1 2.88% $2,741
ENCORE BANK 1 2.88% $1,933
EVERETT FINANCIAL, INC. 1 4.13% $1,580
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.88% $4,807
Farmers Bank & Trust Company 1 2.75% $2,073
First Community Bank 1 4.25% $1,596

Arkadelphia Average Closing Costs & Other Stats

Arkadelphia, AR's 37 lenders originated 435 loans during 2021. The total origination value was $65,105,000, with an average loan value of $149,667.

Arkadelphia's average closing costs are $3,851.

The top Arkadelphia lender as defined by loan originations is QUICKEN LOANS, LLC, with 14 loans originated. Their average total fees are $4,116, which is $868 higher than the next largest lender, FIRST COMMUNITY MORTGAGE, INC..

The lowest fee Arkadelphia lenders (with over 10 loans originated) are FIRST COMMUNITY MORTGAGE, INC. ($3,248), AMCAP MORTGAGE, LTD. ($3,270), QUICKEN LOANS, LLC ($4,116), .

The lowest rate Arkadelphia lenders (with over 10 loans originated) are FIRST COMMUNITY MORTGAGE, INC. (2.93%), AMCAP MORTGAGE, LTD. (3.00%), QUICKEN LOANS, LLC (3.07%), .

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Southern Bancorp Bank $6,140,000 $7,290,000 18.7% 11.2%
The Citizens Bank $605,000 $7,255,000 1,099.2% 11.1%
QUICKEN LOANS, LLC $5,750,000 $6,550,000 13.9% 10.1%
AMCAP MORTGAGE, LTD. $2,535,000 $4,520,000 78.3% 6.9%
FIRST COMMUNITY MORTGAGE, INC. $5,175,000 $3,765,000 -27.2% 5.8%
U.S. Bank $1,900,000 $3,190,000 67.9% 4.9%
Arvest Bank $1,370,000 $1,440,000 5.1% 2.2%
Wells Fargo Bank $135,000 $1,390,000 929.6% 2.1%
FREEDOM MORTGAGE CORPORATION $1,225,000 $1,360,000 11.0% 2.1%
EVERETT FINANCIAL, INC. $245,000 $1,150,000 369.4% 1.8%
Reliant Bank $1,340,000 $1,075,000 -19.8% 1.7%
LOANDEPOT.COM, LLC $575,000 $1,070,000 86.1% 1.6%
PENNYMAC LOAN SERVICES, LLC $170,000 $1,040,000 511.8% 1.6%
Mortgage Research Center, LLC $405,000 $930,000 129.6% 1.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,040,000 $920,000 -11.5% 1.4%
Regions Bank $1,505,000 $870,000 -42.2% 1.3%
USAA Federal Savings Bank $135,000 $865,000 540.7% 1.3%
Farm Credit Services of Western Arkansas, ACA $930,000 $820,000 -11.8% 1.3%
CORNERSTONE HOME LENDING, INC. $290,000 $815,000 181.0% 1.3%
Simmons Bank $795,000 $815,000 2.5% 1.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $710,000 $805,000 13.4% 1.2%
TRIAD FINANCIAL SERVICES, INC. $95,000 $645,000 578.9% 1.0%
Servion, Inc. $220,000 $620,000 181.8% 1.0%
FirstTrust Home Loans, Inc. $1,010,000 $600,000 -40.6% 0.9%
BETTER MORTGAGE CORPORATION $595,000 n/a 0.9%
Relyance Bank $575,000 n/a 0.9%
AMERISAVE MORTGAGE CORPORATION $245,000 $535,000 118.4% 0.8%
Chambers Bank $75,000 $470,000 526.7% 0.7%
Bank of England $405,000 $450,000 11.1% 0.7%
TOP FLITE FINANCIAL, INC. $445,000 n/a 0.7%
SWBC MORTGAGE CORPORATION $700,000 $435,000 -37.9% 0.7%
First Horizon Bank $420,000 n/a 0.6%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $135,000 $420,000 211.1% 0.6%
UNITED WHOLESALE MORTGAGE, LLC $490,000 $420,000 -14.3% 0.6%
Diamond Bank $320,000 $370,000 15.6% 0.6%
Eagle Bank and Trust Company $385,000 $365,000 -5.2% 0.6%
MORTGAGE FINANCIAL SERVICES, LLC $355,000 n/a 0.5%
JPMorgan Chase Bank $105,000 $345,000 228.6% 0.5%
UNITED BUILT HOMES, L.L.C. $345,000 n/a 0.5%
ARKANSAS Federal Credit Union $415,000 $330,000 -20.5% 0.5%
ENCORE BANK $330,000 n/a 0.5%
First Community Bank $320,000 n/a 0.5%
SOUTHWEST STAGE FUNDING, LLC $470,000 $315,000 -33.0% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $410,000 $295,000 -28.0% 0.5%
LAKEVIEW LOAN SERVICING, LLC $290,000 n/a 0.4%
Farmers Bank & Trust Company $400,000 $285,000 -28.8% 0.4%
SOVEREIGN LENDING GROUP INCORPORATED $265,000 n/a 0.4%
The Greenwood's State Bank $255,000 n/a 0.4%
ZILLOW HOME LOANS, LLC $285,000 $255,000 -10.5% 0.4%
MORTGAGE INVESTORS GROUP, INC. $250,000 n/a 0.4%
21ST MORTGAGE CORPORATION $250,000 $235,000 -6.0% 0.4%
Merchants Bank of Indiana $235,000 n/a 0.4%
BROKER SOLUTIONS, INC. $380,000 $230,000 -39.5% 0.4%
PNC Bank $215,000 n/a 0.3%
CALIBER HOME LOANS, INC. $210,000 n/a 0.3%
Willamette Valley Bank $205,000 n/a 0.3%
GMFS LLC $175,000 $200,000 14.3% 0.3%
Citizens Bank $115,000 $195,000 69.6% 0.3%
COMMUNITY MORTGAGE CORPORATION $185,000 n/a 0.3%
First Internet Bank of Indiana $185,000 n/a 0.3%
SOFI LENDING CORP. $185,000 n/a 0.3%
NEWREZ LLC $95,000 $180,000 89.5% 0.3%
CHURCHILL MORTGAGE CORPORATION $115,000 $175,000 52.2% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $170,000 n/a 0.3%
Bank OZK $535,000 $165,000 -69.2% 0.3%
Centennial Bank $75,000 $165,000 120.0% 0.3%
First Security Bank $280,000 $165,000 -41.1% 0.3%
Generations Bank $165,000 n/a 0.3%
The First National Bank of Tom Bean $165,000 n/a 0.3%
RED RIVER EMPLOYEES $135,000 $160,000 18.5% 0.2%
Carrington Mortgage Services, LLC $305,000 $155,000 -49.2% 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $155,000 n/a 0.2%
FINANCE OF AMERICA REVERSE LLC $145,000 n/a 0.2%
MORTGAGE ACCESS CORP. $145,000 n/a 0.2%
POLARIS HOME FUNDING CORP. $125,000 n/a 0.2%
AMERICAN FINANCIAL NETWORK, INC. $115,000 n/a 0.2%
DAS Acquisition Company, LLC $115,000 n/a 0.2%
PENTAGON FEDERAL CREDIT UNION $115,000 $115,000 0.0% 0.2%
PILGRIM MORTGAGE LLC $115,000 n/a 0.2%
CREDIT HUMAN FEDERAL CREDIT UNION $110,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $105,000 n/a 0.2%
Citibank $105,000 n/a 0.2%
Platinum Home Mortgage Corporation $105,000 n/a 0.2%
Manufacturers and Traders Trust Company $65,000 n/a 0.1%
BancorpSouth Bank $685,000 $55,000 -92.0% 0.1%
BBVA USA $35,000 n/a 0.1%
First Arkansas Bank and Trust $15,000 n/a 0.0%

Arkadelphia's top lender by overall market share is Southern Bancorp Bank, with 11.2% market share. In second place, with 11.1%, is The Citizens Bank, having originated $7,255,000 in loans. In third place, with 10.1%, is QUICKEN LOANS, LLC, having originated $6,550,000 in loans. In fourth place, with 6.9%, is AMCAP MORTGAGE, LTD., having originated $4,520,000 in loans. In fifth place, with 5.8%, is FIRST COMMUNITY MORTGAGE, INC., having originated $3,765,000 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
Arkadelphia's median listing price for 2022-11-01 was $176,225, a difference of $17,695 (11.2%) versus the prior year and $6,352 versus the prior month.

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

Arkadelphia's average listing price for 2022-11-01 was $256,422, a difference of $46,195 (22.0%) versus the prior year and $-7,838 versus the prior month.

For the 2022-11-01 period, Arkadelphia had 52 MLS listings, a difference of 5 listings (11%) versus the prior month and 21 listings (68%) 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 1,805 sqft
2018-02-01 0 days 1,806 sqft
2018-03-01 0 days 1,800 sqft
2018-04-01 0 days 1,842 sqft
2018-05-01 0 days 1,844 sqft
2018-06-01 0 days 1,800 sqft
2018-07-01 0 days 1,800 sqft
2018-08-01 0 days 1,822 sqft
2018-09-01 0 days 1,758 sqft
2018-10-01 0 days 1,724 sqft
2018-11-01 0 days 1,775 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 1,759 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 1,854 sqft
2020-03-01 0 days 1,860 sqft
2020-04-01 0 days 1,931 sqft
2020-05-01 0 days 1,909 sqft
2020-06-01 0 days 1,932 sqft
2020-07-01 0 days 1,948 sqft
2020-08-01 0 days 1,931 sqft
2020-09-01 0 days 1,925 sqft
2020-10-01 0 days 1,920 sqft
2020-11-01 0 days 1,973 sqft
2020-12-01 0 days 1,941 sqft
2021-01-01 0 days 1,823 sqft
2021-02-01 0 days 1,744 sqft
2021-03-01 0 days 2,092 sqft
2021-04-01 0 days 2,133 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
Arkadelphia's median listing age (time on market) for 2022-11-01 was 0 days.

Arkadelphia's median square footage for active listings during the 2022-11-01 period was 1,657 sqft. One year prior, the average listing was 1,934 sqft.

Arkadelphia, AR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 224 $31,250,000 $139,509
Refi 149 $26,335,000 $176,745
Cash Out Refi 51 $6,825,000 $133,824
Home Improvement 6 $380,000 $63,333
Other 5 $315,000 $63,000

Arkadelphia's most frequently cited loan purpose was Home Purchase, with 224 originations. The 2nd most popular reason was Refi, with 149 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 134 $20,900,000 $155,970
3-4% 131 $23,275,000 $177,672
<2.5% 78 $11,740,000 $150,513
4-5% 50 $5,110,000 $102,200
5-6% 16 $1,070,000 $66,875
6-7% 8 $810,000 $101,250
Over 8% 7 $815,000 $116,429
7-8% 5 $275,000 $55,000

During 2021, Arkadelphia's most frequently originated rate bucket was 2.5-3%, with 134 originations.

Loan Sizing (Arkadelphia, AR MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 226 $32,610,000 $144,292
$100,000 or less 144 $9,370,000 $65,069
$200k-400k 61 $15,005,000 $245,984
$400k-600k 3 $1,615,000 $538,333
$Over $1MM 1 $6,505,000 $6,505,000

Arkadelphia's loan sizing saw the bucket of loans from $100k-200k with 226 originations, totaling $32,610,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 208 $30,730,000 $147,740
60-80% 130 $17,050,000 $131,154
40-60% 56 $5,990,000 $106,964
20-40% 12 $7,300,000 $608,333
Under 20% 9 $355,000 $39,444
Over 100% 4 $1,010,000 $252,500

Arkadelphia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 208 originations, totaling $30,730,000 in origination value.