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 6.5% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

The average rate for the prior week (2024-12-05) was 6.79% and one month ago for the week of 2024-11-07, the average rate was 6.59%.

Arkadelphia's average rate one year ago was 7.13%.

For refis of the same type during the week of 2024-12-12, the average rate was 6.9%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-12-12 6.6%
Arkadelphia 30 Year Fixed Rate 2024-12-12 6.5%
Arkadelphia 30 Year Fixed Rate Refi 2024-12-12 6.9%
Arkadelphia 15 Year Fixed Rate 2024-12-12 5.94%
Arkadelphia 15 Year Fixed Rate Refi 2024-12-12 6.44%
Arkadelphia 30 Year FHA 2024-12-12 6.38%
Arkadelphia 30 Year FHA Refi 2024-12-12 6.48%
Arkadelphia 30 Year USDA 2024-12-12 6.2%
Arkadelphia 30 Year USDA Refi 2024-12-12 6.4%
Arkadelphia 30 Year VA 2024-12-12 6.08%
Arkadelphia 30 Year VA Refi 2024-12-12 6.28%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
EVERETT FINANCIAL, INC. 9 7.00% $4,906
QUICKEN LOANS, LLC 7 6.93% $5,021
FirstTrust Home Loans, Inc. 5 6.82% $4,235
Eagle Bank and Trust Company 3 5.96% $3,721
FIRST COMMUNITY MORTGAGE, INC. 3 6.29% $3,388
U.S. Bank 3 6.88% $2,598
SWBC MORTGAGE CORPORATION 2 7.13% $4,911
DAS Acquisition Company, LLC 1 6.88% $2,811
FLAT BRANCH MORTGAGE, INC. 1 6.13% $2,867
LOANDEPOT.COM, LLC 1 7.50% $5,723
Morgan Stanley Private Bank 1 6.40% $2,681
MORTGAGE INVESTORS GROUP, INC. 1 6.62% $3,844
Southwest Airlines Federal Credit Union 1 6.25% $3,241
Truity Federal Credit Union 1 8.50% $4,947
UNITED WHOLESALE MORTGAGE, LLC 1 6.37% $7,342
Amarillo National Bank 1 7.00% $2,963
VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.25% $3,204
AmeriHome Mortgage Company, LLC 1 6.99% $6,101
ARKANSAS Federal Credit Union 1 7.88% $4,243
Bank OZK 1 7.50% $2,009
Carrington Mortgage Services, LLC 1 6.75% $6,748
Centennial Bank 1 6.75% $2,042
Chambers Bank 1 6.25% $3,369

Arkadelphia Average Closing Costs & Other Stats

Arkadelphia, AR's 23 lenders originated 285 loans during 2023. The total origination value was $39,225,000, with an average loan value of $137,632.

Arkadelphia's average closing costs are $4,307.

The top Arkadelphia lender as defined by loan originations is EVERETT FINANCIAL, INC., with 9 loans originated. Their average total fees are $4,906, which is $115 lower than the next largest lender, QUICKEN LOANS, LLC.

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
EVERETT FINANCIAL, INC. $6,030,000 $8,590,000 42.5% 21.9%
Southern Bancorp Bank $5,900,000 $4,805,000 -18.6% 12.2%
QUICKEN LOANS, LLC $2,900,000 $2,745,000 -5.3% 7.0%
Eagle Bank and Trust Company $145,000 $1,890,000 1,203.4% 4.8%
Bank OZK $45,000 $1,525,000 3,288.9% 3.9%
Mortgage Research Center, LLC $1,330,000 $1,335,000 0.4% 3.4%
Arvest Bank $860,000 $1,235,000 43.6% 3.1%
FIRST COMMUNITY MORTGAGE, INC. $1,070,000 $1,110,000 3.7% 2.8%
VANDERBILT MORTGAGE AND FINANCE, INC. $495,000 $980,000 98.0% 2.5%
FirstTrust Home Loans, Inc. $1,240,000 $960,000 -22.6% 2.4%
Gateway First Bank $480,000 $725,000 51.0% 1.8%
CORNERSTONE HOME LENDING, INC. $570,000 $610,000 7.0% 1.6%
U.S. Bank $1,015,000 $610,000 -39.9% 1.6%
ARKANSAS Federal Credit Union $11,220,000 $600,000 -94.7% 1.5%
The Citizens Bank $1,750,000 $535,000 -69.4% 1.4%
21ST MORTGAGE CORPORATION $455,000 $525,000 15.4% 1.3%
MERCHANTS & FARMERS BANK $505,000 n/a 1.3%
SWBC MORTGAGE CORPORATION $745,000 $485,000 -34.9% 1.2%
Farmers Bank & Trust Company $755,000 $425,000 -43.7% 1.1%
FREEDOM MORTGAGE CORPORATION $195,000 $410,000 110.3% 1.0%
Diamond Bank $595,000 $405,000 -31.9% 1.0%
Carrington Mortgage Services, LLC $155,000 $375,000 141.9% 1.0%
First State Bank $340,000 n/a 0.9%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,165,000 $290,000 -75.1% 0.7%
UNITED WHOLESALE MORTGAGE, LLC $735,000 $290,000 -60.5% 0.7%
MUTUAL OF OMAHA MORTGAGE, INC. $265,000 n/a 0.7%
AMERISAVE MORTGAGE CORPORATION $635,000 $260,000 -59.1% 0.7%
BANK OF LITTLE ROCK MORTGAGE CORPORATION $1,075,000 $260,000 -75.8% 0.7%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $280,000 $255,000 -8.9% 0.7%
Morgan Stanley Private Bank $245,000 n/a 0.6%
Paramount Residential Mortgage Group, Inc. $245,000 n/a 0.6%
TRIAD FINANCIAL SERVICES, INC. $1,015,000 $240,000 -76.4% 0.6%
Regions Bank $1,540,000 $225,000 -85.4% 0.6%
PNC Bank $215,000 n/a 0.5%
Amarillo National Bank $195,000 n/a 0.5%
First Financial Bank $195,000 n/a 0.5%
USAA Federal Savings Bank $855,000 $195,000 -77.2% 0.5%
CREDIT HUMAN FEDERAL CREDIT UNION $190,000 n/a 0.5%
ROYAL UNITED MORTGAGE LLC $55,000 $190,000 245.5% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $185,000 n/a 0.5%
First Security Bank $85,000 $185,000 117.6% 0.5%
LOANDEPOT.COM, LLC $1,250,000 $180,000 -85.6% 0.5%
TOP FLITE FINANCIAL, INC. $45,000 $175,000 288.9% 0.4%
PILGRIM MORTGAGE LLC $165,000 $170,000 3.0% 0.4%
CIS Financial Services, Inc. $165,000 n/a 0.4%
Intrust Bank $45,000 $165,000 266.7% 0.4%
NEW DAY FINANCIAL, LLC $155,000 n/a 0.4%
Chambers Bank $490,000 $150,000 -69.4% 0.4%
93 $145,000 n/a 0.4%
AmeriHome Mortgage Company, LLC $145,000 n/a 0.4%
Truity Federal Credit Union $145,000 n/a 0.4%
MORTGAGE INVESTORS GROUP, INC. $125,000 n/a 0.3%
PENNYMAC LOAN SERVICES, LLC $230,000 $125,000 -45.7% 0.3%
STOCKTON MORTGAGE CORPORATION $105,000 $125,000 19.0% 0.3%
VELOCITY COMMERCIAL CAPITAL, LLC $125,000 n/a 0.3%
Southwest Airlines Federal Credit Union $115,000 n/a 0.3%
Centennial Bank $155,000 $105,000 -32.3% 0.3%
Farmers Bank $105,000 n/a 0.3%
First Service Bank $105,000 n/a 0.3%
FLAT BRANCH MORTGAGE, INC. $95,000 n/a 0.2%
JPMorgan Chase Bank $510,000 $95,000 -81.4% 0.2%
GERSHMAN INVESTMENT CORP. $85,000 $85,000 0.0% 0.2%
United Community Bank $55,000 $65,000 18.2% 0.2%
Bank of America $55,000 n/a 0.1%
FOUR POINTS $55,000 n/a 0.1%
BancorpSouth $230,000 $50,000 -78.3% 0.1%
DAS Acquisition Company, LLC $35,000 n/a 0.1%

Arkadelphia's top lender by overall market share is EVERETT FINANCIAL, INC., with 21.9% market share. In second place, with 12.2%, is Southern Bancorp Bank, having originated $4,805,000 in loans. In third place, with 7.0%, is QUICKEN LOANS, LLC, having originated $2,745,000 in loans. In fourth place, with 4.8%, is Eagle Bank and Trust Company, having originated $1,890,000 in loans. In fifth place, with 3.9%, is Bank OZK, having originated $1,525,000 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 (3.1%) $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 $131,828 (1.5%) $154,932 (-2.0%) 0.00 99
2019-04-01 $130,475 (-1.5%) $152,358 (-5.8%) 0.00 92
2019-05-01 $125,205 (-6.2%) $153,550 (-4.9%) 0.00 88
2019-06-01 $134,975 (2.9%) $152,222 (-2.4%) 0.00 81
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 (-0.7%) $149,556 (-3.5%) 0.00 85
2020-04-01 $138,475 (6.1%) $154,001 (1.1%) 0.00 79
2020-05-01 $139,500 (11.4%) $155,556 (1.3%) 0.00 72
2020-06-01 $143,546 (6.4%) $156,530 (2.8%) 0.00 61
2020-07-01 $144,700 (20.0%) $156,559 (4.2%) 0.00 63
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 (2.7%) $197,378 (26.1%) 0.00 32
2021-07-01 $147,500 (1.9%) $188,788 (20.6%) 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
2023-06-01 $196,125 (15.6%) $219,129 (5.5%) 0.00 53
2023-07-01 $175,000 (27.7%) $204,959 (6.7%) 0.00 54
2023-08-01 $179,900 (13.4%) $212,873 (1.7%) 0.00 57
2023-09-01 $195,000 (22.4%) $232,759 (12.1%) 0.00 64
2023-10-01 $164,875 (-2.9%) $207,518 (-21.5%) 0.00 75
2023-11-01 $161,500 (-8.4%) $196,808 (-23.3%) 0.00 62
2023-12-01 $164,000 (-3.2%) $201,141 (-3.9%) 0.00 71
2024-01-01 $179,225 (2.4%) $229,849 (10.8%) 0.00 72
2024-02-01 $184,999 (10.6%) $236,532 (13.8%) 0.00 71
2024-03-01 $200,000 (29.9%) $244,891 (20.0%) 0.00 67
2024-04-01 $199,475 (17.4%) $238,199 (11.4%) 0.00 82
2024-05-01 $199,750 (4.5%) $247,426 (9.2%) 0.00 83
2024-06-01 $211,725 (8.0%) $251,100 (14.6%) 0.00 85
2024-07-01 $211,000 (20.6%) $251,685 (22.8%) 0.00 83
2024-08-01 $208,450 (15.9%) $258,318 (21.4%) 0.00 77
2024-09-01 $224,500 (15.1%) $268,745 (15.5%) 0.00 87
2024-10-01 $207,225 (25.7%) $262,292 (26.4%) 0.00 86
2024-11-01 $224,750 (39.2%) $277,204 (40.9%) 0.00 64
Arkadelphia's median listing price for 2024-11-01 was $224,750, a difference of $63,250 (39.2%) versus the prior year and $17,525 versus the prior month.

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

Arkadelphia's average listing price for 2024-11-01 was $277,204, a difference of $80,396 (40.9%) versus the prior year and $14,912 versus the prior month.

For the 2024-11-01 period, Arkadelphia had 64 MLS listings, a difference of -22 listings (-26%) versus the prior month and 2 listings (3%) 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 1,800 sqft
2018-03-01 0 days 1,800 sqft
2018-04-01 0 days 1,839 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 1,809 sqft
2019-01-01 0 days 1,795 sqft
2019-02-01 0 days 1,745 sqft
2019-03-01 0 days 1,706 sqft
2019-04-01 0 days 1,703 sqft
2019-05-01 0 days 1,762 sqft
2019-06-01 0 days 1,816 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 1,936 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
2023-06-01 0 days 1,708 sqft
2023-07-01 0 days 1,736 sqft
2023-08-01 0 days 1,704 sqft
2023-09-01 0 days 1,731 sqft
2023-10-01 0 days 1,689 sqft
2023-11-01 0 days 1,690 sqft
2023-12-01 0 days 1,731 sqft
2024-01-01 0 days 1,759 sqft
2024-02-01 0 days 1,768 sqft
2024-03-01 0 days 1,792 sqft
2024-04-01 0 days 1,804 sqft
2024-05-01 0 days 1,760 sqft
2024-06-01 0 days 1,709 sqft
2024-07-01 0 days 1,714 sqft
2024-08-01 0 days 1,718 sqft
2024-09-01 0 days 1,799 sqft
2024-10-01 0 days 1,784 sqft
2024-11-01 0 days 1,800 sqft
Arkadelphia's median listing age (time on market) for 2024-11-01 was 0 days.

Arkadelphia's median square footage for active listings during the 2024-11-01 period was 1,800 sqft. One year prior, the average listing was 1,690 sqft.

Arkadelphia, AR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 207 $30,025,000 $145,048
Refi 32 $4,260,000 $133,125
Cash Out Refi 21 $3,465,000 $165,000
Other 14 $690,000 $49,286
Home Improvement 11 $785,000 $71,364

Arkadelphia's most frequently cited loan purpose was Home Purchase, with 207 originations. The 2nd most popular reason was Refi, with 32 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 98 $13,610,000 $138,878
7-8% 72 $11,290,000 $156,806
Over 8% 70 $7,730,000 $110,429
5-6% 24 $4,120,000 $171,667
<2.5% 6 $870,000 $145,000

During 2023, Arkadelphia's most frequently originated rate bucket was 6-7%, with 98 originations.

Loan Sizing (Arkadelphia, AR MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 127 $18,515,000 $145,787
$100,000 or less 117 $6,645,000 $56,795
$200k-400k 32 $8,030,000 $250,938
$400k-600k 6 $2,910,000 $485,000
$Over $1MM 2 $2,400,000 $1,200,000
$600k-1000k 1 $725,000 $725,000

Arkadelphia's loan sizing saw the bucket of loans from $100k-200k with 127 originations, totaling $18,515,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 147 $22,815,000 $155,204
60-80% 48 $8,450,000 $176,042
Under 20% 29 $755,000 $26,034
20-40% 21 $1,375,000 $65,476
40-60% 20 $3,530,000 $176,500
Over 100% 5 $695,000 $139,000

Arkadelphia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 147 originations, totaling $22,815,000 in origination value.