Camden Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Camden 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 6.49% and one month ago for the week of 2024-11-07, the average rate was 6.89%.

    Camden's average rate one year ago was 6.83%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.6%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Camden 30 Year Fixed Rate 2024-12-12 6.5%
    Camden 30 Year Fixed Rate Refi 2024-12-12 6.6%
    Camden 15 Year Fixed Rate 2024-12-12 5.84%
    Camden 15 Year Fixed Rate Refi 2024-12-12 6.04%
    Camden 30 Year FHA 2024-12-12 6.38%
    Camden 30 Year FHA Refi 2024-12-12 6.28%
    Camden 30 Year USDA 2024-12-12 6.2%
    Camden 30 Year USDA Refi 2024-12-12 6.2%
    Camden 30 Year VA 2024-12-12 6.18%
    Camden 30 Year VA Refi 2024-12-12 5.88%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Camden, AR.

    Camden 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 Camden, 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
    FirstTrust Home Loans, Inc. 11 7.17% $4,869
    QUICKEN LOANS, LLC 10 7.12% $4,312
    EVERETT FINANCIAL, INC. 4 6.94% $5,018
    Generations Bank 3 6.88% $3,764
    Regions Bank 2 6.94% $2,978
    BancorpSouth 2 7.13% $4,354
    UNITED WHOLESALE MORTGAGE, LLC 2 6.96% $5,821
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.99% $6,194
    Mortgage Research Center, LLC 1 6.99% $1,213
    NAVY FEDERAL CREDIT UNION 1 6.63% $3,582
    NBKC BANK 1 5.99% $3,175
    PHH Mortgage Corporation 1 5.75% $10,002
    PREMIA MORTGAGE, LLC 1 6.33% $3,474
    SIRVA MORTGAGE, INC. 1 6.75% $3,411
    AMERISAVE MORTGAGE CORPORATION 1 7.13% $7,820
    U.S. Bank 1 7.50% $2,805
    ARKANSAS Federal Credit Union 1 5.63% $2,870
    Bank of America 1 6.88% $2,465
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.88% $4,525
    Farm Credit Services of Western Arkansas, ACA 1 7.45% $8,285
    First Community Bank 1 8.11% $1,775
    First Financial Bank 1 7.25% $1,547

    Camden Average Closing Costs & Other Stats

    Camden, AR's 22 lenders originated 331 loans during 2023. The total origination value was $43,285,000, with an average loan value of $130,770.

    Camden's average closing costs are $4,181.

    The top Camden lender as defined by loan originations is FirstTrust Home Loans, Inc., with 11 loans originated. Their average total fees are $4,869, which is $557 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Camden lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($4,312), FirstTrust Home Loans, Inc. ($4,869), .

    The lowest rate Camden lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (7.12%), FirstTrust Home Loans, Inc. (7.17%), .

    Camden, 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
    FirstTrust Home Loans, Inc. $7,720,000 $7,300,000 -5.4% 16.9%
    EVERETT FINANCIAL, INC. $3,410,000 $4,615,000 35.3% 10.7%
    QUICKEN LOANS, LLC $6,085,000 $4,245,000 -30.2% 9.8%
    Farmers Bank & Trust Company $4,100,000 $3,770,000 -8.0% 8.7%
    Mortgage Research Center, LLC $1,195,000 $2,450,000 105.0% 5.7%
    BancorpSouth $3,080,000 $1,980,000 -35.7% 4.6%
    Generations Bank $2,945,000 $1,400,000 -52.5% 3.2%
    NAVY FEDERAL CREDIT UNION $585,000 $1,330,000 127.4% 3.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $610,000 $1,155,000 89.3% 2.7%
    Gateway Bank $935,000 n/a 2.2%
    CIS Financial Services, Inc. $95,000 $930,000 878.9% 2.1%
    FBT Bank & Mortgage $865,000 n/a 2.0%
    The Citizens Bank $685,000 n/a 1.6%
    Farm Credit Services of Western Arkansas, ACA $895,000 $590,000 -34.1% 1.4%
    Southern Bancorp Bank $265,000 $570,000 115.1% 1.3%
    SIRVA MORTGAGE, INC. $515,000 n/a 1.2%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $585,000 $480,000 -17.9% 1.1%
    U.S. Bank $290,000 $435,000 50.0% 1.0%
    First Community Bank $270,000 $380,000 40.7% 0.9%
    UNITED WHOLESALE MORTGAGE, LLC $340,000 $350,000 2.9% 0.8%
    First National Bank of North Arkansas $335,000 n/a 0.8%
    COUNTRYPLACE MORTGAGE, LTD. $440,000 $315,000 -28.4% 0.7%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $295,000 n/a 0.7%
    TRIAD FINANCIAL SERVICES, INC. $470,000 $295,000 -37.2% 0.7%
    21ST MORTGAGE CORPORATION $810,000 $290,000 -64.2% 0.7%
    PENNYMAC LOAN SERVICES, LLC $640,000 $285,000 -55.5% 0.7%
    USAA Federal Savings Bank $285,000 n/a 0.7%
    JPMorgan Chase Bank $145,000 $255,000 75.9% 0.6%
    ARKANSAS Federal Credit Union $15,000 $245,000 1,533.3% 0.6%
    CORNERSTONE HOME LENDING, INC. $240,000 n/a 0.6%
    NEW DAY FINANCIAL, LLC $470,000 $235,000 -50.0% 0.5%
    PHH Mortgage Corporation $235,000 n/a 0.5%
    Regions Bank $35,000 $235,000 571.4% 0.5%
    AMCAP MORTGAGE, LTD. $95,000 $205,000 115.8% 0.5%
    PREMIA MORTGAGE, LLC $1,810,000 $205,000 -88.7% 0.5%
    TOP FLITE FINANCIAL, INC. $195,000 n/a 0.5%
    Century Mortgage Company DBA Century Lending Company $185,000 n/a 0.4%
    SECURITYNATIONAL MORTGAGE COMPANY $185,000 n/a 0.4%
    Bank of America $175,000 n/a 0.4%
    GMFS LLC $175,000 n/a 0.4%
    NBKC BANK $175,000 n/a 0.4%
    SUN WEST MORTGAGE COMPANY, INC. $175,000 n/a 0.4%
    Simmons Bank $170,000 n/a 0.4%
    AMERISAVE MORTGAGE CORPORATION $580,000 $155,000 -73.3% 0.4%
    CARDINAL FINANCIAL $155,000 n/a 0.4%
    First Horizon Bank $155,000 n/a 0.4%
    SUPERIOR CHOICE $155,000 n/a 0.4%
    Carrington Mortgage Services, LLC $415,000 $135,000 -67.5% 0.3%
    PILGRIM MORTGAGE LLC $135,000 n/a 0.3%
    NFM, INC. $125,000 n/a 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $125,000 n/a 0.3%
    BROKER SOLUTIONS, INC. $320,000 $105,000 -67.2% 0.2%
    Figure Lending LLC $15,000 $100,000 566.7% 0.2%
    THRIVE MORTGAGE, LLC $95,000 n/a 0.2%
    LOANDEPOT.COM, LLC $775,000 $85,000 -89.0% 0.2%
    Paramount Residential Mortgage Group, Inc. $85,000 n/a 0.2%
    First Financial Bank $270,000 $70,000 -74.1% 0.2%
    Farmers Bank & Trust $65,000 n/a 0.2%
    Wells Fargo Bank $470,000 $65,000 -86.2% 0.2%
    ACADEMY MORTGAGE CORPORATION $55,000 n/a 0.1%
    SPRING EQ, LLC $55,000 n/a 0.1%
    Relyance Bank $35,000 n/a 0.1%
    93 $25,000 n/a 0.1%
    Coastal Community Bank $15,000 n/a 0.0%

    Camden's top lender by overall market share is FirstTrust Home Loans, Inc., with 16.9% market share. In second place, with 10.7%, is EVERETT FINANCIAL, INC., having originated $4,615,000 in loans. In third place, with 9.8%, is QUICKEN LOANS, LLC, having originated $4,245,000 in loans. In fourth place, with 8.7%, is Farmers Bank & Trust Company, having originated $3,770,000 in loans. In fifth place, with 5.7%, is Mortgage Research Center, LLC, having originated $2,450,000 in loans.

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

    Realtor.com - Camden (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 $99,225 (14.9%) $130,156 (20.0%) 0.00 137
    2018-02-01 $85,875 (1.1%) $127,381 (17.3%) 0.00 142
    2018-03-01 $87,700 (5.2%) $131,316 (21.6%) 0.00 139
    2018-04-01 $88,250 (-4.0%) $135,953 (16.2%) 0.00 146
    2018-05-01 $98,500 (3.3%) $136,545 (15.5%) 0.00 147
    2018-06-01 $99,450 (-1.2%) $134,065 (9.9%) 0.00 146
    2018-07-01 $89,500 (-23.8%) $126,494 (1.1%) 0.00 136
    2018-08-01 $99,000 (-14.5%) $129,173 (1.7%) 0.00 132
    2018-09-01 $92,500 (-15.1%) $125,308 (-1.2%) 0.00 131
    2018-10-01 $89,850 (-21.8%) $114,194 (-11.0%) 0.00 125
    2018-11-01 $89,975 (-19.1%) $115,155 (-13.2%) 0.00 126
    2018-12-01 $90,000 (-10.0%) $114,854 (-11.6%) 0.00 124
    2019-01-01 $92,500 (-6.8%) $116,580 (-10.4%) 0.00 130
    2019-02-01 $88,450 (3.0%) $114,850 (-9.8%) 0.00 123
    2019-03-01 $88,286 (0.7%) $115,012 (-12.4%) 0.00 116
    2019-04-01 $89,950 (1.9%) $117,690 (-13.4%) 0.00 112
    2019-05-01 $86,750 (-11.9%) $115,859 (-15.2%) 0.00 116
    2019-06-01 $90,000 (-9.5%) $120,272 (-10.3%) 0.00 129
    2019-07-01 $89,700 (0.2%) $119,641 (-5.4%) 0.00 122
    2019-08-01 $90,473 (-8.6%) $121,510 (-5.9%) 0.00 125
    2019-09-01 $91,332 (-1.3%) $123,941 (-1.1%) 0.00 126
    2019-10-01 $95,850 (6.7%) $126,493 (10.8%) 0.00 129
    2019-11-01 $102,000 (13.4%) $130,521 (13.3%) 0.00 125
    2019-12-01 $92,000 (2.2%) $126,371 (10.0%) 0.00 126
    2020-01-01 $94,025 (1.7%) $122,178 (4.8%) 0.00 117
    2020-02-01 $92,000 (4.0%) $120,504 (4.9%) 0.00 113
    2020-03-01 $92,000 (4.2%) $119,059 (3.5%) 0.00 109
    2020-04-01 $89,750 (-0.2%) $113,834 (-3.3%) 0.00 104
    2020-05-01 $91,000 (4.9%) $116,772 (0.8%) 0.00 111
    2020-06-01 $104,500 (16.1%) $127,329 (5.9%) 0.00 105
    2020-07-01 $109,625 (22.2%) $130,528 (9.1%) 0.00 101
    2020-08-01 $109,750 (21.3%) $132,375 (8.9%) 0.00 90
    2020-09-01 $109,625 (20.0%) $129,947 (4.9%) 0.00 90
    2020-10-01 $112,500 (17.4%) $132,861 (5.0%) 0.00 93
    2020-11-01 $123,750 (21.3%) $131,906 (1.1%) 0.00 98
    2020-12-01 $109,500 (19.0%) $134,442 (6.4%) 0.00 92
    2021-01-01 $99,700 (6.0%) $130,313 (6.7%) 0.00 88
    2021-02-01 $93,000 (1.1%) $130,196 (8.0%) 0.00 76
    2021-03-01 $94,500 (2.7%) $125,620 (5.5%) 0.00 77
    2021-04-01 $105,000 (17.0%) $136,594 (20.0%) 0.00 73
    2021-05-01 $127,500 (40.1%) $142,652 (22.2%) 0.00 66
    2021-06-01 $135,625 (29.8%) $144,024 (13.1%) 0.00 67
    2021-07-01 $128,950 (17.6%) $151,520 (16.1%) 0.00 69
    2021-08-01 $120,325 (9.6%) $155,508 (17.5%) 0.00 71
    2021-09-01 $115,250 (5.1%) $156,127 (20.2%) 0.00 71
    2021-10-01 $137,500 (22.2%) $158,071 (19.0%) 0.00 69
    2021-11-01 $140,000 (13.1%) $153,043 (16.0%) 0.00 57
    2021-12-01 $126,950 (15.9%) $143,978 (7.1%) 0.00 53
    2022-01-01 $130,200 (30.6%) $141,290 (8.4%) 0.00 51
    2022-02-01 $141,800 (52.5%) $143,156 (10.0%) 0.00 49
    2022-03-01 $144,200 (52.6%) $167,852 (33.6%) 0.00 47
    2022-04-01 $139,500 (32.9%) $157,107 (15.0%) 0.00 55
    2022-05-01 $139,750 (9.6%) $166,640 (16.8%) 0.00 48
    2022-06-01 $153,350 (13.1%) $178,322 (23.8%) 0.00 53
    2022-07-01 $159,900 (24.0%) $192,172 (26.8%) 0.00 65
    2022-08-01 $172,000 (43.0%) $217,325 (39.8%) 0.00 64
    2022-09-01 $159,200 (38.1%) $206,964 (32.6%) 0.00 66
    2022-10-01 $174,900 (27.2%) $217,523 (37.6%) 0.00 68
    2022-11-01 $177,225 (26.6%) $227,924 (48.9%) 0.00 74
    2022-12-01 $169,900 (33.8%) $230,606 (60.2%) 0.00 72
    2023-01-01 $162,175 (24.6%) $219,644 (55.5%) 0.00 78
    2023-02-01 $187,225 (32.0%) $221,682 (54.9%) 0.00 86
    2023-03-01 $178,100 (23.5%) $219,628 (30.9%) 0.00 89
    2023-04-01 $175,500 (25.8%) $217,900 (38.7%) 0.00 85
    2023-05-01 $178,125 (27.5%) $217,760 (30.7%) 0.00 75
    2023-06-01 $169,250 (10.4%) $198,663 (11.4%) 0.00 77
    2023-07-01 $166,450 (4.1%) $175,061 (-8.9%) 0.00 81
    2023-08-01 $169,850 (-1.3%) $187,754 (-13.6%) 0.00 80
    2023-09-01 $169,900 (6.7%) $200,157 (-3.3%) 0.00 77
    2023-10-01 $169,900 (-2.9%) $210,715 (-3.1%) 0.00 81
    2023-11-01 $148,725 (-16.1%) $187,373 (-17.8%) 0.00 64
    2023-12-01 $144,950 (-14.7%) $183,223 (-20.6%) 0.00 66
    2024-01-01 $140,850 (-13.2%) $168,245 (-23.4%) 0.00 63
    2024-02-01 $153,500 (-18.0%) $179,717 (-18.9%) 0.00 62
    2024-03-01 $159,900 (-10.2%) $179,120 (-18.4%) 0.00 66
    2024-04-01 $159,200 (-9.3%) $171,595 (-21.3%) 0.00 71
    2024-05-01 $146,225 (-17.9%) $175,454 (-19.4%) 0.00 69
    2024-06-01 $144,900 (-14.4%) $179,185 (-9.8%) 0.00 72
    2024-07-01 $130,350 (-21.7%) $167,201 (-4.5%) 0.00 73
    2024-08-01 $139,500 (-17.9%) $172,015 (-8.4%) 0.00 78
    2024-09-01 $127,250 (-25.1%) $170,654 (-14.7%) 0.00 77
    2024-10-01 $147,250 (-13.3%) $183,598 (-12.9%) 0.00 80
    2024-11-01 $157,450 (5.9%) $185,285 (-1.1%) 0.00 82
    Camden's median listing price for 2024-11-01 was $157,450, a difference of $8,725 (5.9%) versus the prior year and $10,200 versus the prior month.

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

    Camden's average listing price for 2024-11-01 was $185,285, a difference of $-2,088 (-1.1%) versus the prior year and $1,687 versus the prior month.

    For the 2024-11-01 period, Camden had 82 MLS listings, a difference of 2 listings (3%) versus the prior month and 18 listings (28%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Camden (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,919 sqft
    2018-02-01 0 days 1,936 sqft
    2018-03-01 0 days 1,964 sqft
    2018-04-01 0 days 2,066 sqft
    2018-05-01 0 days 2,077 sqft
    2018-06-01 0 days 1,948 sqft
    2018-07-01 0 days 1,865 sqft
    2018-08-01 0 days 1,869 sqft
    2018-09-01 0 days 1,840 sqft
    2018-10-01 0 days 1,827 sqft
    2018-11-01 0 days 1,844 sqft
    2018-12-01 0 days 1,869 sqft
    2019-01-01 0 days 1,868 sqft
    2019-02-01 0 days 1,856 sqft
    2019-03-01 0 days 1,865 sqft
    2019-04-01 0 days 1,874 sqft
    2019-05-01 0 days 1,880 sqft
    2019-06-01 0 days 1,896 sqft
    2019-07-01 0 days 1,846 sqft
    2019-08-01 0 days 1,794 sqft
    2019-09-01 0 days 1,742 sqft
    2019-10-01 0 days 1,711 sqft
    2019-11-01 0 days 1,746 sqft
    2019-12-01 0 days 1,707 sqft
    2020-01-01 0 days 1,699 sqft
    2020-02-01 0 days 1,697 sqft
    2020-03-01 0 days 1,702 sqft
    2020-04-01 0 days 1,831 sqft
    2020-05-01 0 days 1,755 sqft
    2020-06-01 0 days 1,800 sqft
    2020-07-01 0 days 1,853 sqft
    2020-08-01 0 days 1,856 sqft
    2020-09-01 0 days 1,859 sqft
    2020-10-01 0 days 1,896 sqft
    2020-11-01 0 days 1,888 sqft
    2020-12-01 0 days 1,878 sqft
    2021-01-01 0 days 1,868 sqft
    2021-02-01 0 days 1,886 sqft
    2021-03-01 0 days 1,878 sqft
    2021-04-01 0 days 2,009 sqft
    2021-05-01 0 days 1,990 sqft
    2021-06-01 0 days 2,012 sqft
    2021-07-01 0 days 1,899 sqft
    2021-08-01 0 days 1,909 sqft
    2021-09-01 0 days 1,790 sqft
    2021-10-01 0 days 1,834 sqft
    2021-11-01 0 days 1,772 sqft
    2021-12-01 0 days 1,717 sqft
    2022-01-01 0 days 1,779 sqft
    2022-02-01 0 days 1,749 sqft
    2022-03-01 0 days 1,869 sqft
    2022-04-01 0 days 1,726 sqft
    2022-05-01 0 days 1,788 sqft
    2022-06-01 0 days 1,752 sqft
    2022-07-01 0 days 1,829 sqft
    2022-08-01 0 days 1,892 sqft
    2022-09-01 0 days 1,869 sqft
    2022-10-01 0 days 1,914 sqft
    2022-11-01 0 days 1,893 sqft
    2022-12-01 0 days 1,756 sqft
    2023-01-01 0 days 1,729 sqft
    2023-02-01 0 days 1,812 sqft
    2023-03-01 0 days 1,726 sqft
    2023-04-01 0 days 1,730 sqft
    2023-05-01 0 days 1,742 sqft
    2023-06-01 0 days 1,745 sqft
    2023-07-01 0 days 1,740 sqft
    2023-08-01 0 days 1,802 sqft
    2023-09-01 0 days 1,792 sqft
    2023-10-01 0 days 1,827 sqft
    2023-11-01 0 days 1,694 sqft
    2023-12-01 0 days 1,664 sqft
    2024-01-01 0 days 1,739 sqft
    2024-02-01 0 days 1,825 sqft
    2024-03-01 0 days 1,790 sqft
    2024-04-01 0 days 1,749 sqft
    2024-05-01 0 days 1,766 sqft
    2024-06-01 0 days 1,745 sqft
    2024-07-01 0 days 1,643 sqft
    2024-08-01 0 days 1,640 sqft
    2024-09-01 0 days 1,604 sqft
    2024-10-01 0 days 1,626 sqft
    2024-11-01 0 days 1,640 sqft
    Camden's median listing age (time on market) for 2024-11-01 was 0 days.

    Camden's median square footage for active listings during the 2024-11-01 period was 1,640 sqft. One year prior, the average listing was 1,694 sqft.

    Camden, AR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 232 $33,840,000 $145,862
    Cash Out Refi 36 $4,710,000 $130,833
    Refi 31 $3,005,000 $96,935
    Home Improvement 17 $935,000 $55,000
    Other 15 $795,000 $53,000

    Camden's most frequently cited loan purpose was Home Purchase, with 232 originations. The 2nd most popular reason was Cash Out Refi, with 36 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    7-8% 98 $13,360,000 $136,327
    6-7% 90 $14,570,000 $161,889
    Over 8% 85 $8,475,000 $99,706
    5-6% 27 $4,345,000 $160,926
    <2.5% 1 $5,000 $5,000

    During 2023, Camden's most frequently originated rate bucket was 7-8%, with 98 originations.

    Loan Sizing (Camden, AR MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 155 $8,115,000 $52,355
    $100k-200k 121 $17,935,000 $148,223
    $200k-400k 48 $12,640,000 $263,333
    $400k-600k 3 $1,355,000 $451,667
    $600k-1000k 3 $2,185,000 $728,333
    $Over $1MM 1 $1,055,000 $1,055,000

    Camden's loan sizing saw the bucket of loans from $100,000 or less with 155 originations, totaling $8,115,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 171 $27,995,000 $163,713
    60-80% 54 $6,750,000 $125,000
    40-60% 26 $3,070,000 $118,077
    20-40% 20 $1,020,000 $51,000
    Under 20% 20 $690,000 $34,500
    Over 100% 8 $1,150,000 $143,750

    Camden's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 171 originations, totaling $27,995,000 in origination value.