Camden Mortgage Rates

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

    30 Year Fixed Rate mortgages in Camden averaged 6.51% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

    The average rate for the prior week (2022-06-16) was 6.58% and one month ago for the week of 2022-05-19, the average rate was 5.75%.

    Camden's average rate one year ago was 3.05%.

    For refis of the same type during the week of 2022-06-23, the average rate was 5.78%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-23 5.81%
    Camden 30 Year Fixed Rate 2022-06-23 6.51%
    Camden 30 Year Fixed Rate Refi 2022-06-23 5.78%
    Camden 15 Year Fixed Rate 2022-06-23 5.31%
    Camden 15 Year Fixed Rate Refi 2022-06-23 5.22%
    Camden 30 Year FHA 2022-06-23 0.11%
    Camden 30 Year FHA Refi 2022-06-23 0.2%
    Camden 30 Year USDA 2022-06-23 0.5%
    Camden 30 Year USDA Refi 2022-06-23 -0.28%
    Camden 30 Year VA 2022-06-23 0.49%
    Camden 30 Year VA Refi 2022-06-23 -0.06%
    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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    FirstTrust Home Loans, Inc. 29 3.05% $3,676
    QUICKEN LOANS, LLC 29 3.22% $4,200
    BancorpSouth Bank 7 3.36% $2,111
    Generations Bank 6 3.00% $1,847
    PREMIA MORTGAGE, LLC 6 2.73% $283
    Farmers Bank & Trust Company 6 3.40% $2,675
    LOANDEPOT.COM, LLC 3 3.58% $4,565
    CALIBER HOME LOANS, INC. 2 3.03% $2,434
    Regions Bank 2 3.25% $2,065
    NAVY FEDERAL CREDIT UNION 2 3.81% $1,270
    Simmons Bank 2 3.31% $2,191
    UNITED WHOLESALE MORTGAGE, LLC 2 3.05% $1,578
    Wells Fargo Bank 2 3.94% $2,839
    MID AMERICA MORTGAGE, INC. 1 3.50% $1,508
    NEWREZ LLC 1 2.99% $3,020
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.25% $2,515
    RIVERLAND FEDERAL CREDIT UNION 1 4.00% $3,126
    TELCOE FEDERAL CREDIT UNION 1 2.63% $3,194
    U.S. Bank 1 3.25% $2,303
    AMERISAVE MORTGAGE CORPORATION 1 3.63% $2,212
    ZILLOW HOME LOANS, LLC 1 3.13% $535
    Arvest Bank 1 2.75% $2,817
    COUNTRYPLACE MORTGAGE, LTD. 1 3.50% $9,486
    DELMAR FINANCIAL COMPANY 1 3.25% $3,754
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 2.88% $2,484
    Farm Credit Services of Western Arkansas, ACA 1 4.58% $5,669
    First Financial Bank 1 3.38% $2,693
    FREEDOM MORTGAGE CORPORATION 1 3.38% $1,593
    GMFS LLC 1 3.00% $1,135
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 2.75% $2,342
    HOME POINT FINANCIAL CORPORATION 1 2.99% $3,415
    JPMorgan Chase Bank 1 3.13% $3,099
    LOANPAL, LLC 1 3.25% $7,087

    Camden, AR's 33 lenders originated 518 loans during 2021. The total origination value was $76,950,000, with an average loan value of $148,552.

    The top Camden lender as defined by loan originations is FirstTrust Home Loans, Inc., with 29 loans originated. Their average total fees are $3,676, which is $524 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Camden lenders (with over 10 loans originated) are FirstTrust Home Loans, Inc. ($3,676), QUICKEN LOANS, LLC ($4,200), .

    The lowest rate Camden lenders (with over 10 loans originated) are FirstTrust Home Loans, Inc. (3.05%), QUICKEN LOANS, LLC (3.22%), .

    Camden, AR Lender 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
    QUICKEN LOANS, LLC $9,100,000 $14,155,000 55.5% 18.4%
    FirstTrust Home Loans, Inc. $10,555,000 $11,845,000 12.2% 15.4%
    Farmers Bank & Trust Company $7,660,000 $9,325,000 21.7% 12.1%
    Generations Bank $7,535,000 $8,010,000 6.3% 10.4%
    BancorpSouth Bank $2,670,000 $4,055,000 51.9% 5.3%
    FREEDOM MORTGAGE CORPORATION $2,085,000 $2,640,000 26.6% 3.4%
    PREMIA MORTGAGE, LLC $260,000 $2,360,000 807.7% 3.1%
    Mortgage Research Center, LLC $950,000 $1,910,000 101.1% 2.5%
    PENNYMAC LOAN SERVICES, LLC $1,185,000 n/a 1.5%
    21ST MORTGAGE CORPORATION $1,305,000 $1,075,000 -17.6% 1.4%
    EVERETT FINANCIAL, INC. $2,020,000 $975,000 -51.7% 1.3%
    TRIAD FINANCIAL SERVICES, INC. $305,000 $955,000 213.1% 1.2%
    LOANDEPOT.COM, LLC $610,000 $895,000 46.7% 1.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $720,000 $885,000 22.9% 1.2%
    Simmons Bank $295,000 $825,000 179.7% 1.1%
    Regions Bank $365,000 $765,000 109.6% 1.0%
    NAVY FEDERAL CREDIT UNION $300,000 $645,000 115.0% 0.8%
    Barrington Bank & Trust Company, N.A. $475,000 $635,000 33.7% 0.8%
    UNITED WHOLESALE MORTGAGE, LLC $615,000 n/a 0.8%
    Southern Bancorp Bank $35,000 $575,000 1,542.9% 0.7%
    First Financial Bank $645,000 $560,000 -13.2% 0.7%
    VILLAGE CAPITAL & INVESTMENT LLC $675,000 $550,000 -18.5% 0.7%
    Farm Credit Services of Western Arkansas, ACA $595,000 $530,000 -10.9% 0.7%
    NEWREZ LLC $530,000 n/a 0.7%
    NEW DAY FINANCIAL, LLC $705,000 $515,000 -27.0% 0.7%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $405,000 $510,000 25.9% 0.7%
    First Savings Bank $505,000 n/a 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $620,000 $480,000 -22.6% 0.6%
    Wells Fargo Bank $760,000 $465,000 -38.8% 0.6%
    AMERISAVE MORTGAGE CORPORATION $435,000 $445,000 2.3% 0.6%
    SOUTHWEST STAGE FUNDING, LLC $305,000 $440,000 44.3% 0.6%
    CALIBER HOME LOANS, INC. $135,000 $420,000 211.1% 0.5%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $220,000 $370,000 68.2% 0.5%
    COUNTRYPLACE MORTGAGE, LTD. $105,000 $340,000 223.8% 0.4%
    ZILLOW HOME LOANS, LLC $310,000 n/a 0.4%
    CHURCHILL MORTGAGE CORPORATION $275,000 n/a 0.4%
    GMFS LLC $210,000 $270,000 28.6% 0.4%
    Flagstar Bank, FSB $255,000 $260,000 2.0% 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $195,000 $255,000 30.8% 0.3%
    PILGRIM MORTGAGE LLC $245,000 n/a 0.3%
    AMERICAN FINANCING CORPORATION $345,000 $240,000 -30.4% 0.3%
    Paramount Residential Mortgage Group, Inc. $75,000 $240,000 220.0% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $220,000 n/a 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $215,000 n/a 0.3%
    Bethpage Federal Credit Union $205,000 n/a 0.3%
    DELMAR FINANCIAL COMPANY $205,000 n/a 0.3%
    CREDIT HUMAN FEDERAL CREDIT UNION $170,000 n/a 0.2%
    CSL Financial, LLC $100,000 $170,000 70.0% 0.2%
    USAA Federal Savings Bank $115,000 $165,000 43.5% 0.2%
    JPMorgan Chase Bank $620,000 $160,000 -74.2% 0.2%
    Arvest Bank $580,000 $155,000 -73.3% 0.2%
    Bank of England $155,000 n/a 0.2%
    CLEARPATH LENDING $155,000 n/a 0.2%
    MID AMERICA MORTGAGE, INC. $155,000 n/a 0.2%
    U.S. Bank $45,000 $150,000 233.3% 0.2%
    LOANPAL, LLC $145,000 n/a 0.2%
    AMCAP MORTGAGE, LTD. $200,000 $115,000 -42.5% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $115,000 n/a 0.1%
    AMERICAN INTERNET MORTGAGE, INC. $115,000 n/a 0.1%
    Carrington Mortgage Services, LLC $135,000 $105,000 -22.2% 0.1%
    TELCOE FEDERAL CREDIT UNION $105,000 n/a 0.1%
    PINE BLUFF COTTON BELT Federal Credit Union $100,000 n/a 0.1%
    HOME POINT FINANCIAL CORPORATION $95,000 n/a 0.1%
    RIVERLAND FEDERAL CREDIT UNION $95,000 n/a 0.1%
    Eagle Bank and Trust Company $85,000 n/a 0.1%
    PLANET HOME LENDING, LLC $85,000 n/a 0.1%
    FirstBank $75,000 n/a 0.1%
    NexBank $75,000 n/a 0.1%
    The First National Bank of Tom Bean $75,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $175,000 $65,000 -62.9% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $65,000 $55,000 -15.4% 0.1%
    DAS Acquisition Company, LLC $45,000 n/a 0.1%
    Citizens Bank $55,000 $35,000 -36.4% 0.0%

    Camden's top lender by overall market share is QUICKEN LOANS, LLC, with 18.4% market share. In second place, with 15.4%, is FirstTrust Home Loans, Inc., having originated $11,845,000 in loans. In third place, with 12.1%, is Farmers Bank & Trust Company, having originated $9,325,000 in loans. In third place, with 10.4%, is Generations Bank, having originated $8,010,000 in loans. In third place, with 5.3%, is BancorpSouth Bank, having originated $4,055,000 in loans.

    Camden, AR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 257 $37,735,000 $146,829
    Refi 156 $22,300,000 $142,949
    Cash Out Refi 92 $16,050,000 $174,457
    Other 10 $730,000 $73,000
    Home Improvement 3 $135,000 $45,000

    Camden's most frequently cited loan purpose was Home Purchase, with 257 originations. The 2nd most popular reason was Refi, with 156 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 195 $24,815,000 $127,256
    2.5-3% 142 $21,530,000 $151,620
    <2.5% 72 $11,460,000 $159,167
    4-5% 48 $13,840,000 $288,333
    5-6% 24 $1,730,000 $72,083
    Over 8% 15 $1,165,000 $77,667
    7-8% 12 $1,220,000 $101,667
    6-7% 9 $1,115,000 $123,889

    During 2021, Camden's most frequently originated rate bucket was 3-4%, with 195 originations.

    Loan Sizing (Camden, AR MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 216 $30,750,000 $142,361
    $100,000 or less 213 $13,635,000 $64,014
    $200k-400k 78 $20,000,000 $256,410
    $400k-600k 9 $4,015,000 $446,111
    $Over $1MM 2 $8,550,000 $4,275,000

    Camden's loan sizing saw the bucket of loans from $100k-200k with 216 originations, totaling $30,750,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 274 $43,710,000 $159,526
    60-80% 146 $23,420,000 $160,411
    40-60% 41 $3,685,000 $89,878
    20-40% 17 $1,075,000 $63,235
    Over 100% 11 $1,575,000 $143,182
    Under 20% 6 $160,000 $26,667

    Camden's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 274 originations, totaling $43,710,000 in origination value.

    Market Conditions (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 $100,000 (14.9%) $134,880 (25.0%) 0.00 142
    2018-02-01 $89,700 (3.1%) $132,548 (21.4%) 0.00 147
    2018-03-01 $90,000 (6.0%) $135,698 (24.6%) 0.00 144
    2018-04-01 $89,500 (-0.4%) $137,786 (18.3%) 0.00 151
    2018-05-01 $100,000 (4.8%) $137,601 (16.9%) 0.00 153
    2018-06-01 $100,000 (0.6%) $136,109 (12.0%) 0.00 154
    2018-07-01 $89,700 (-23.7%) $130,760 (4.9%) 0.00 142
    2018-08-01 $100,950 (-13.5%) $133,460 (5.1%) 0.00 136
    2018-09-01 $99,000 (-9.2%) $128,164 (1.1%) 0.00 135
    2018-10-01 $91,250 (-21.8%) $117,125 (-9.2%) 0.00 128
    2018-11-01 $99,250 (-13.7%) $118,106 (-11.4%) 0.00 129
    2018-12-01 $99,900 (-2.5%) $118,550 (-9.3%) 0.00 125
    2019-01-01 $99,500 (-0.5%) $120,926 (-10.4%) 0.00 130
    2019-02-01 $92,450 (3.1%) $119,003 (-10.2%) 0.00 123
    2019-03-01 $90,800 (0.9%) $119,094 (-12.2%) 0.00 117
    2019-04-01 $91,850 (2.6%) $120,900 (-12.3%) 0.00 115
    2019-05-01 $89,450 (-10.6%) $119,902 (-12.9%) 0.00 119
    2019-06-01 $92,000 (-8.0%) $122,613 (-9.9%) 0.00 132
    2019-07-01 $93,250 (4.0%) $123,662 (-5.4%) 0.00 125
    2019-08-01 $93,286 (-7.6%) $127,423 (-4.5%) 0.00 128
    2019-09-01 $95,000 (-4.0%) $130,856 (2.1%) 0.00 128
    2019-10-01 $100,000 (9.6%) $130,470 (11.4%) 0.00 135
    2019-11-01 $105,000 (5.8%) $133,670 (13.2%) 0.00 131
    2019-12-01 $93,500 (-6.4%) $129,365 (9.1%) 0.00 130
    2020-01-01 $92,000 (-7.5%) $120,360 (-0.5%) 0.00 119
    2020-02-01 $95,000 (2.8%) $120,662 (1.4%) 0.00 117
    2020-03-01 $91,000 (0.2%) $117,965 (-1.0%) 0.00 111
    2020-04-01 $90,000 (-2.0%) $112,778 (-6.7%) 0.00 105
    2020-05-01 $92,000 (2.9%) $116,867 (-2.5%) 0.00 114
    2020-06-01 $109,250 (18.8%) $130,079 (6.1%) 0.00 108
    2020-07-01 $111,000 (19.0%) $133,544 (8.0%) 0.00 103
    2020-08-01 $110,000 (17.9%) $135,265 (6.2%) 0.00 91
    2020-09-01 $110,000 (15.8%) $131,788 (0.7%) 0.00 90
    2020-10-01 $128,500 (28.5%) $133,292 (2.2%) 0.00 96
    2020-11-01 $139,950 (33.3%) $132,274 (-1.0%) 0.00 100
    2020-12-01 $120,000 (28.3%) $135,529 (4.8%) 0.00 93
    2021-01-01 $104,000 (13.0%) $130,638 (8.5%) 0.00 90
    2021-02-01 $99,500 (4.7%) $130,005 (7.7%) 0.00 77
    2021-03-01 $94,500 (3.9%) $125,431 (6.3%) 0.00 77
    2021-04-01 $105,000 (16.7%) $136,696 (21.2%) 0.00 73
    2021-05-01 $127,500 (38.6%) $142,278 (21.7%) 0.00 67
    2021-06-01 $137,450 (25.8%) $144,818 (11.3%) 0.00 68
    2021-07-01 $135,000 (21.6%) $152,485 (14.2%) 0.00 69
    2021-08-01 $127,500 (15.9%) $155,475 (14.9%) 0.00 70
    2021-09-01 $117,750 (7.1%) $157,133 (19.2%) 0.00 70
    2021-10-01 $140,000 (9.0%) $158,689 (19.1%) 0.00 67
    2021-11-01 $155,000 (10.8%) $154,662 (16.9%) 0.00 55
    2021-12-01 $128,900 (7.4%) $144,403 (6.6%) 0.00 53
    2022-01-01 $131,500 (26.4%) $142,530 (9.1%) 0.00 51
    2022-02-01 $143,700 (44.4%) $143,220 (10.2%) 0.00 48
    2022-03-01 $159,500 (68.8%) $190,621 (52.0%) 0.00 52
    2022-04-01 $139,900 (33.2%) $170,138 (24.5%) 0.00 60
    2022-05-01 $149,450 (17.2%) $174,418 (22.6%) 0.00 49
    Camden's median listing price for 2022-05-01 was $149,450, a difference of $21,950 (17.2%) versus the prior year and $9,550 versus the prior month.

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

    Camden's average listing price for 2022-05-01 was $174,418, a difference of $32,140 (22.6%) versus the prior year and $4,280 versus the prior month.

    For the 2022-05-01 period, Camden had 49 MLS listings, a difference of -11 listings (-18%) versus the prior month and -18 listings (-27%) 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 2,210 sqft
    2018-02-01 0 days 2,210 sqft
    2018-03-01 0 days 2,500 sqft
    2018-04-01 0 days 2,500 sqft
    2018-05-01 0 days 2,500 sqft
    2018-06-01 0 days 2,210 sqft
    2018-07-01 0 days 1,900 sqft
    2018-08-01 0 days 1,900 sqft
    2018-09-01 0 days 1,900 sqft
    2018-10-01 0 days 2,055 sqft
    2018-11-01 0 days 1,216 sqft
    2018-12-01 0 days 1,395 sqft
    2019-01-01 0 days 1,395 sqft
    2019-02-01 0 days 2,224 sqft
    2019-03-01 0 days 2,441 sqft
    2019-04-01 0 days 1,868 sqft
    2019-05-01 0 days 1,888 sqft
    2019-06-01 0 days 1,900 sqft
    2019-07-01 0 days 1,878 sqft
    2019-08-01 0 days 1,833 sqft
    2019-09-01 0 days 1,775 sqft
    2019-10-01 0 days 1,727 sqft
    2019-11-01 0 days 1,800 sqft
    2019-12-01 0 days 1,709 sqft
    2020-01-01 0 days 1,699 sqft
    2020-02-01 0 days 1,696 sqft
    2020-03-01 0 days 1,700 sqft
    2020-04-01 0 days 1,863 sqft
    2020-05-01 0 days 1,830 sqft
    2020-06-01 0 days 1,860 sqft
    2020-07-01 0 days 1,865 sqft
    2020-08-01 0 days 1,860 sqft
    2020-09-01 0 days 1,868 sqft
    2020-10-01 0 days 1,896 sqft
    2020-11-01 0 days 1,896 sqft
    2020-12-01 0 days 1,904 sqft
    2021-01-01 0 days 1,880 sqft
    2021-02-01 0 days 1,908 sqft
    2021-03-01 0 days 1,878 sqft
    2021-04-01 0 days 2,006 sqft
    2021-05-01 0 days 2,000 sqft
    2021-06-01 0 days 2,013 sqft
    2021-07-01 0 days 1,941 sqft
    2021-08-01 0 days 1,937 sqft
    2021-09-01 0 days 1,889 sqft
    2021-10-01 0 days 1,875 sqft
    2021-11-01 0 days 1,875 sqft
    2021-12-01 0 days 1,732 sqft
    2022-01-01 0 days 1,802 sqft
    2022-02-01 0 days 1,850 sqft
    2022-03-01 0 days 1,955 sqft
    2022-04-01 0 days 1,756 sqft
    2022-05-01 0 days 1,799 sqft
    Camden's median listing age (time on market) for 2022-05-01 was 0 days.

    Camden's median square footage for active listings during the 2022-05-01 period was 1,799 sqft. One year prior, the average listing was 2,000 sqft.