Camden Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Camden averaged
7.02%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
7.05% and
one month ago for the week of 2023-02-09, the
average rate was 6.14%.
Camden's average rate one year ago was 3.91%.
For refis of the same type during the week of 2023-03-16, the average rate
was 6.7%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
Camden 30 Year Fixed Rate | 2023-03-16 | 7.02% |
Camden 30 Year Fixed Rate Refi | 2023-03-16 | 6.7% |
Camden 15 Year Fixed Rate | 2023-03-16 | 6.01% |
Camden 15 Year Fixed Rate Refi | 2023-03-16 | 6.73% |
Camden 30 Year FHA | 2023-03-16 | 6.71% |
Camden 30 Year FHA Refi | 2023-03-16 | 6.18% |
Camden 30 Year USDA | 2023-03-16 | 6.86% |
Camden 30 Year USDA Refi | 2023-03-16 | 2.42% |
Camden 30 Year VA | 2023-03-16 | 6.32% |
Camden 30 Year VA Refi | 2023-03-16 | 5.94% |
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 | 2022 Avg. 30yFix Rate | 2022 Avg. Closing Costs |
---|---|---|---|
FirstTrust Home Loans, Inc. | 12 | 5.22% | $3,516 |
QUICKEN LOANS, LLC | 11 | 5.53% | $5,126 |
PREMIA MORTGAGE, LLC | 7 | 4.85% | $340 |
BancorpSouth Bank | 4 | 5.19% | $3,781 |
EVERETT FINANCIAL, INC. | 4 | 4.75% | $1,673 |
NAVY FEDERAL CREDIT UNION | 3 | 5.46% | $4,087 |
CALIBER HOME LOANS, INC. | 2 | 3.83% | $6,149 |
First Community Bank | 2 | 5.31% | $3,717 |
Generations Bank | 2 | 5.44% | $1,927 |
U.S. Bank | 2 | 5.25% | $2,936 |
LAKEVIEW LOAN SERVICING, LLC | 2 | 4.81% | $5,279 |
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | 6.00% | $3,750 |
FLAT BRANCH MORTGAGE, INC. | 1 | 3.25% | $2,388 |
Arvest Bank | 1 | 3.25% | $2,037 |
Bank of England | 1 | 3.88% | $2,562 |
Farm Credit Services of Western Arkansas, ACA | 1 | 6.49% | $4,141 |
First Financial Bank | 1 | 5.88% | $2,243 |
First Guaranty Mortgage Corporation | 1 | 3.88% | $2,357 |
AMERISAVE MORTGAGE CORPORATION | 1 | 3.13% | $7,288 |
Gateway First Bank | 1 | 5.63% | $5,420 |
JPMorgan Chase Bank | 1 | 5.00% | $5,760 |
LOANDEPOT.COM, LLC | 1 | 3.88% | $2,651 |
Nations Lending Corporation | 1 | 3.13% | $9,010 |
Camden Average Closing Costs & Other Stats
Camden, AR's 23 lenders originated 391
loans during 2022. The total origination value was $46,735,000, with an average loan value of
$119,527.
Camden's average closing costs are $3,922.
The top Camden lender as defined by loan originations is FirstTrust Home Loans, Inc., with
12 loans originated. Their average total fees are
$3,516, which is $1,610
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Camden lenders (with over 10 loans originated) are
FirstTrust Home Loans, Inc. ($3,516), QUICKEN LOANS, LLC ($5,126), .
The lowest rate Camden lenders (with over 10 loans originated) are
FirstTrust Home Loans, Inc. (5.22%), QUICKEN LOANS, LLC (5.53%), .
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
---|---|---|---|---|
FirstTrust Home Loans, Inc. | $11,845,000 | $7,720,000 | -34.8% | 16.5% |
QUICKEN LOANS, LLC | $14,155,000 | $6,085,000 | -57.0% | 13.0% |
Farmers Bank & Trust Company | $9,325,000 | $4,100,000 | -56.0% | 8.8% |
EVERETT FINANCIAL, INC. | $975,000 | $3,410,000 | 249.7% | 7.3% |
BancorpSouth Bank | $4,055,000 | $3,080,000 | -24.0% | 6.6% |
Generations Bank | $8,010,000 | $2,945,000 | -63.2% | 6.3% |
PREMIA MORTGAGE, LLC | $2,360,000 | $1,810,000 | -23.3% | 3.9% |
Mortgage Research Center, LLC | $1,910,000 | $1,195,000 | -37.4% | 2.6% |
Farm Credit Services of Western Arkansas, ACA | $530,000 | $895,000 | 68.9% | 1.9% |
21ST MORTGAGE CORPORATION | $1,075,000 | $810,000 | -24.7% | 1.7% |
LOANDEPOT.COM, LLC | $895,000 | $775,000 | -13.4% | 1.7% |
PENNYMAC LOAN SERVICES, LLC | $1,185,000 | $640,000 | -46.0% | 1.4% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $885,000 | $610,000 | -31.1% | 1.3% |
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $510,000 | $585,000 | 14.7% | 1.3% |
NAVY FEDERAL CREDIT UNION | $645,000 | $585,000 | -9.3% | 1.3% |
AMERISAVE MORTGAGE CORPORATION | $445,000 | $580,000 | 30.3% | 1.2% |
CALIBER HOME LOANS, INC. | $420,000 | $510,000 | 21.4% | 1.1% |
NEW DAY FINANCIAL, LLC | $515,000 | $470,000 | -8.7% | 1.0% |
TRIAD FINANCIAL SERVICES, INC. | $955,000 | $470,000 | -50.8% | 1.0% |
Wells Fargo Bank | $465,000 | $470,000 | 1.1% | 1.0% |
CSL Financial, LLC | $170,000 | $465,000 | 173.5% | 1.0% |
COUNTRYPLACE MORTGAGE, LTD. | $340,000 | $440,000 | 29.4% | 0.9% |
SOUTHWEST STAGE FUNDING, LLC | $440,000 | $420,000 | -4.5% | 0.9% |
Carrington Mortgage Services, LLC | $105,000 | $415,000 | 295.2% | 0.9% |
Arvest Bank | $155,000 | $395,000 | 154.8% | 0.8% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $370,000 | $375,000 | 1.4% | 0.8% |
United Community Bank | $365,000 | n/a | 0.8% | |
Bank of England | $155,000 | $350,000 | 125.8% | 0.7% |
Mr. Cooper ( Nationstar Mortgage ) | $480,000 | $340,000 | -29.2% | 0.7% |
UNITED WHOLESALE MORTGAGE, LLC | $615,000 | $340,000 | -44.7% | 0.7% |
BROKER SOLUTIONS, INC. | $320,000 | n/a | 0.7% | |
U.S. Bank | $150,000 | $290,000 | 93.3% | 0.6% |
First Community Bank | $270,000 | n/a | 0.6% | |
First Financial Bank | $560,000 | $270,000 | -51.8% | 0.6% |
Southern Bancorp Bank | $575,000 | $265,000 | -53.9% | 0.6% |
Nations Lending Corporation | $255,000 | n/a | 0.5% | |
LAKEVIEW LOAN SERVICING, LLC | $220,000 | $210,000 | -4.5% | 0.4% |
Gateway First Bank | $205,000 | n/a | 0.4% | |
Equity Bank | $195,000 | n/a | 0.4% | |
Equity Prime Mortgage LLC | $185,000 | n/a | 0.4% | |
First Guaranty Mortgage Corporation | $175,000 | n/a | 0.4% | |
The Federal Savings Bank | $175,000 | n/a | 0.4% | |
Central Bank | $165,000 | n/a | 0.4% | |
Eagle Bank and Trust Company | $85,000 | $165,000 | 94.1% | 0.4% |
FLAT BRANCH MORTGAGE, INC. | $165,000 | n/a | 0.4% | |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $165,000 | n/a | 0.4% | |
JPMorgan Chase Bank | $160,000 | $145,000 | -9.4% | 0.3% |
Chambers Bank | $115,000 | n/a | 0.2% | |
UNION HOME MORTGAGE CORP. | $115,000 | n/a | 0.2% | |
ATLANTA POSTAL | $105,000 | n/a | 0.2% | |
RELIANCE FIRST CAPITAL, LLC | $105,000 | n/a | 0.2% | |
AMCAP MORTGAGE, LTD. | $115,000 | $95,000 | -17.4% | 0.2% |
CIS Financial Services, Inc. | $95,000 | n/a | 0.2% | |
Citizens Bank | $35,000 | $95,000 | 171.4% | 0.2% |
PLANET HOME LENDING, LLC | $85,000 | $85,000 | 0.0% | 0.2% |
RED RIVER EMPLOYEES | $85,000 | n/a | 0.2% | |
AMERICAN FINANCING CORPORATION | $240,000 | $75,000 | -68.8% | 0.2% |
AVB Bank | $75,000 | n/a | 0.2% | |
VILLAGE CAPITAL MORTGAGE | $550,000 | $75,000 | -86.4% | 0.2% |
Citibank | $65,000 | n/a | 0.1% | |
Farm Credit Services of Western Arkansas, PCA | $55,000 | n/a | 0.1% | |
ROYAL UNITED MORTGAGE LLC | $55,000 | n/a | 0.1% | |
Century Next Bank | $45,000 | n/a | 0.1% | |
MUTUAL OF OMAHA MORTGAGE, INC. | $65,000 | $35,000 | -46.2% | 0.1% |
Regions Bank | $765,000 | $35,000 | -95.4% | 0.1% |
PINE BLUFF COTTON BELT Federal Credit Union | $100,000 | $25,000 | -75.0% | 0.1% |
ARKANSAS Federal Credit Union | $15,000 | n/a | 0.0% | |
Figure Lending LLC | $15,000 | n/a | 0.0% |
Camden's top lender by overall market share is FirstTrust Home Loans, Inc., with 16.5% market share. In second place, with 13.0%, is QUICKEN LOANS, LLC, having originated $6,085,000 in loans. In third place, with 8.8%, is Farmers Bank & Trust Company, having originated $4,100,000 in loans. In fourth place, with 7.3%, is EVERETT FINANCIAL, INC., having originated $3,410,000 in loans. In fifth place, with 6.6%, is BancorpSouth Bank, having originated $3,080,000 in loans.
Camden Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Camden (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $99,225 (16.4%) | $130,156 (20.6%) | 0.00 | 137 |
2018-02-01 | $85,875 (1.1%) | $127,381 (17.9%) | 0.00 | 142 |
2018-03-01 | $86,900 (6.1%) | $129,153 (20.2%) | 0.00 | 138 |
2018-04-01 | $88,000 (-2.1%) | $133,745 (14.8%) | 0.00 | 145 |
2018-05-01 | $98,000 (3.3%) | $134,516 (13.8%) | 0.00 | 146 |
2018-06-01 | $99,200 (-1.5%) | $133,370 (9.3%) | 0.00 | 146 |
2018-07-01 | $89,500 (-23.8%) | $127,996 (2.3%) | 0.00 | 137 |
2018-08-01 | $99,225 (-14.3%) | $130,738 (2.9%) | 0.00 | 133 |
2018-09-01 | $95,750 (-12.2%) | $126,867 (0.1%) | 0.00 | 132 |
2018-10-01 | $89,925 (-21.7%) | $115,828 (-9.7%) | 0.00 | 126 |
2018-11-01 | $90,625 (-18.5%) | $116,808 (-11.9%) | 0.00 | 127 |
2018-12-01 | $94,500 (-5.5%) | $116,522 (-10.3%) | 0.00 | 125 |
2019-01-01 | $94,750 (-4.5%) | $118,142 (-9.2%) | 0.00 | 131 |
2019-02-01 | $88,475 (3.0%) | $116,498 (-8.5%) | 0.00 | 124 |
2019-03-01 | $88,714 (2.1%) | $116,750 (-9.6%) | 0.00 | 117 |
2019-04-01 | $90,714 (3.1%) | $119,517 (-10.6%) | 0.00 | 114 |
2019-05-01 | $86,750 (-11.5%) | $116,829 (-13.2%) | 0.00 | 116 |
2019-06-01 | $89,950 (-9.3%) | $120,047 (-10.0%) | 0.00 | 128 |
2019-07-01 | $89,700 (0.2%) | $119,641 (-6.5%) | 0.00 | 122 |
2019-08-01 | $90,473 (-8.8%) | $121,510 (-7.1%) | 0.00 | 125 |
2019-09-01 | $91,332 (-4.6%) | $123,941 (-2.3%) | 0.00 | 126 |
2019-10-01 | $95,850 (6.6%) | $126,493 (9.2%) | 0.00 | 129 |
2019-11-01 | $102,000 (12.6%) | $130,521 (11.7%) | 0.00 | 125 |
2019-12-01 | $92,000 (-2.7%) | $126,371 (8.5%) | 0.00 | 126 |
2020-01-01 | $94,025 (-0.8%) | $122,178 (3.4%) | 0.00 | 117 |
2020-02-01 | $92,000 (4.0%) | $120,504 (3.4%) | 0.00 | 113 |
2020-03-01 | $92,000 (3.7%) | $119,059 (2.0%) | 0.00 | 109 |
2020-04-01 | $89,750 (-1.1%) | $113,834 (-4.8%) | 0.00 | 104 |
2020-05-01 | $91,000 (4.9%) | $116,772 (-0.1%) | 0.00 | 111 |
2020-06-01 | $104,500 (16.2%) | $127,329 (6.1%) | 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 | $122,900 (12.1%) | $147,557 (13.1%) | 0.00 | 68 |
2021-08-01 | $118,475 (8.0%) | $151,886 (14.7%) | 0.00 | 70 |
2021-09-01 | $114,500 (4.5%) | $152,390 (17.3%) | 0.00 | 70 |
2021-10-01 | $135,000 (20.0%) | $154,364 (16.2%) | 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 | $139,500 (9.4%) | $166,640 (16.8%) | 0.00 | 48 |
2022-06-01 | $143,875 (6.1%) | $178,105 (23.7%) | 0.00 | 52 |
2022-07-01 | $159,450 (29.7%) | $192,203 (30.3%) | 0.00 | 64 |
2022-08-01 | $169,500 (43.1%) | $217,752 (43.4%) | 0.00 | 63 |
2022-09-01 | $157,075 (37.2%) | $206,746 (35.7%) | 0.00 | 65 |
2022-10-01 | $159,900 (18.4%) | $217,226 (40.7%) | 0.00 | 66 |
2022-11-01 | $176,000 (25.7%) | $227,937 (48.9%) | 0.00 | 72 |
2022-12-01 | $169,000 (33.1%) | $230,690 (60.2%) | 0.00 | 71 |
2023-01-01 | $159,900 (22.8%) | $220,017 (55.7%) | 0.00 | 77 |
2023-02-01 | $187,450 (32.2%) | $222,064 (55.1%) | 0.00 | 85 |
Camden's median listing price comes in at 0% of the national average.
Camden's average listing price for 2023-02-01 was $222,064, a difference of $78,908 (55.1%) versus the prior year and $2,047 versus the prior month.
For the 2023-02-01 period, Camden had 85 MLS listings, a difference of 8 listings (10%) versus the prior month and 36 listings (73%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Camden (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,942 sqft |
2018-02-01 | 0 days | 1,957 sqft |
2018-03-01 | 0 days | 2,015 sqft |
2018-04-01 | 0 days | 2,072 sqft |
2018-05-01 | 0 days | 2,077 sqft |
2018-06-01 | 0 days | 1,948 sqft |
2018-07-01 | 0 days | 1,862 sqft |
2018-08-01 | 0 days | 1,872 sqft |
2018-09-01 | 0 days | 1,848 sqft |
2018-10-01 | 0 days | 1,844 sqft |
2018-11-01 | 0 days | 1,833 sqft |
2018-12-01 | 0 days | 1,868 sqft |
2019-01-01 | 0 days | 1,868 sqft |
2019-02-01 | 0 days | 1,868 sqft |
2019-03-01 | 0 days | 1,878 sqft |
2019-04-01 | 0 days | 1,886 sqft |
2019-05-01 | 0 days | 1,881 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 | 1,881 sqft |
2021-08-01 | 0 days | 1,895 sqft |
2021-09-01 | 0 days | 1,788 sqft |
2021-10-01 | 0 days | 1,792 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 | 1,796 sqft |
2022-06-01 | 0 days | 1,753 sqft |
2022-07-01 | 0 days | 1,849 sqft |
2022-08-01 | 0 days | 1,893 sqft |
2022-09-01 | 0 days | 1,872 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 | 1,712 sqft |
2023-02-01 | 0 days | 1,835 sqft |
Camden's median square footage for active listings during the 2023-02-01 period was 1,835 sqft. One year prior, the average listing was 1,749 sqft.
Camden, AR Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 237 | $30,495,000 | $128,671 |
Cash Out Refi | 67 | $8,115,000 | $121,119 |
Refi | 59 | $6,495,000 | $110,085 |
Other | 18 | $800,000 | $44,444 |
Home Improvement | 10 | $830,000 | $83,000 |
Camden's most frequently cited loan purpose was Home Purchase, with 237 originations. The 2nd most popular reason was Cash Out Refi, with 67 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
5-6% | 99 | $12,365,000 | $124,899 |
4-5% | 96 | $11,850,000 | $123,438 |
3-4% | 83 | $10,275,000 | $123,795 |
6-7% | 57 | $6,075,000 | $106,579 |
7-8% | 28 | $3,360,000 | $120,000 |
Over 8% | 14 | $1,210,000 | $86,429 |
2.5-3% | 8 | $630,000 | $78,750 |
<2.5% | 5 | $895,000 | $179,000 |
During 2022, Camden's most frequently originated rate bucket was 5-6%, with 99 originations.
Loan Sizing (Camden, AR MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100,000 or less | 188 | $11,320,000 | $60,213 |
$100k-200k | 150 | $21,830,000 | $145,533 |
$200k-400k | 51 | $12,335,000 | $241,863 |
$400k-600k | 1 | $475,000 | $475,000 |
$600k-1000k | 1 | $775,000 | $775,000 |
Camden's loan sizing saw the bucket of loans from $100,000 or less with 188 originations, totaling $11,320,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 206 | $29,250,000 | $141,990 |
60-80% | 92 | $9,590,000 | $104,239 |
40-60% | 40 | $3,660,000 | $91,500 |
20-40% | 21 | $1,075,000 | $51,190 |
Under 20% | 13 | $305,000 | $23,462 |
Over 100% | 12 | $2,230,000 | $185,833 |
Camden's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 206 originations, totaling $29,250,000 in origination value.