Camden Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Camden averaged
6.91%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.94% and
one month ago for the week of 2025-05-15, the
average rate was 6.91%.
Camden's average rate one year ago was 7.05%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Camden 30 Year Fixed Rate | 2025-06-18 | 6.91% |
| Camden 30 Year Fixed Rate Refi | 2025-06-18 | 7.11% |
| Camden 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Camden 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Camden 30 Year FHA | 2025-06-18 | 0.1% |
| Camden 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Camden 30 Year USDA | 2025-06-18 | -0.1% |
| Camden 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Camden 30 Year VA | 2025-06-18 | -0.2% |
| Camden 30 Year VA Refi | 2025-06-18 | 0.1% |
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.).
Camden Average Closing Costs & Other Stats
Camden, AR's 26 lenders originated 316
loans during 2024. The total origination value was $37,170,000, with an average loan value of
$117,627.
Camden's average closing costs are $4,376.
The top Camden lender as defined by loan originations is QUICKEN LOANS, LLC, with
9 loans originated. Their average total fees are
$5,068, which is $604
higher than the next largest lender,
BancorpSouth.
The lowest fee Camden lenders (with over 10 loans originated) are
.
The lowest rate Camden lenders (with over 10 loans originated) are
.
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,930,000 | n/a | 13.3% | |
| QUICKEN LOANS, LLC | $4,245,000 | $4,300,000 | 1.3% | 11.6% |
| Farmers Bank & Trust Company | $3,770,000 | $3,400,000 | -9.8% | 9.1% |
| BancorpSouth | $1,980,000 | $2,785,000 | 40.7% | 7.5% |
| Generations Bank | $1,400,000 | $2,350,000 | 67.9% | 6.3% |
| 21ST MORTGAGE CORPORATION | $290,000 | $2,105,000 | 625.9% | 5.7% |
| Mortgage Research Center, LLC | $2,450,000 | $1,390,000 | -43.3% | 3.7% |
| TRIAD FINANCIAL SERVICES, INC. | $295,000 | $1,175,000 | 298.3% | 3.2% |
| PENNYMAC LOAN SERVICES, LLC | $285,000 | $1,070,000 | 275.4% | 2.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,155,000 | $825,000 | -28.6% | 2.2% |
| Gateway Bank | $935,000 | $640,000 | -31.6% | 1.7% |
| JPMorgan Chase Bank | $255,000 | $545,000 | 113.7% | 1.5% |
| MOVEMENT MORTGAGE, LLC | $545,000 | n/a | 1.5% | |
| CHURCHILL MORTGAGE CORPORATION | $505,000 | n/a | 1.4% | |
| NAVY FEDERAL CREDIT UNION | $1,330,000 | $475,000 | -64.3% | 1.3% |
| LOANDEPOT.COM, LLC | $85,000 | $455,000 | 435.3% | 1.2% |
| ARKANSAS Federal Credit Union | $245,000 | $440,000 | 79.6% | 1.2% |
| Farm Credit Services of Western Arkansas, ACA | $590,000 | $440,000 | -25.4% | 1.2% |
| AMERICAN FINANCING CORPORATION | $375,000 | n/a | 1.0% | |
| FBT Bank & Mortgage | $865,000 | $375,000 | -56.6% | 1.0% |
| VILLAGE CAPITAL MORTGAGE | $340,000 | n/a | 0.9% | |
| Mr. Cooper ( Nationstar Mortgage ) | $320,000 | n/a | 0.9% | |
| BMO Harris Bank | $305,000 | n/a | 0.8% | |
| Equity Prime Mortgage LLC | $300,000 | n/a | 0.8% | |
| LAKEVIEW LOAN SERVICING, LLC | $300,000 | n/a | 0.8% | |
| FIRST COMMUNITY MORTGAGE, INC. | $295,000 | n/a | 0.8% | |
| BROKER SOLUTIONS, INC. | $105,000 | $290,000 | 176.2% | 0.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $270,000 | n/a | 0.7% | |
| EVERETT FINANCIAL, INC. | $4,615,000 | $255,000 | -94.5% | 0.7% |
| PREMIA MORTGAGE, LLC | $205,000 | $255,000 | 24.4% | 0.7% |
| First Savings Bank | $245,000 | n/a | 0.7% | |
| Paramount Residential Mortgage Group, Inc. | $85,000 | $245,000 | 188.2% | 0.7% |
| UNITED BUILT HOMES, L.L.C. | $245,000 | n/a | 0.7% | |
| Cornerstone First Mortgage, Inc | $235,000 | n/a | 0.6% | |
| Bank of America | $175,000 | $205,000 | 17.1% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $155,000 | $200,000 | 29.0% | 0.5% |
| AmeriHome Mortgage Company, LLC | $195,000 | n/a | 0.5% | |
| ENCORE BANK | $195,000 | n/a | 0.5% | |
| Truist | $195,000 | n/a | 0.5% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $185,000 | n/a | 0.5% | |
| TOWNE MORTGAGE COMPANY | $185,000 | n/a | 0.5% | |
| PINE BLUFF COTTON BELT Federal Credit Union | $175,000 | n/a | 0.5% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $165,000 | n/a | 0.4% | |
| Residential Acceptance Corporation | $155,000 | n/a | 0.4% | |
| UNITED WHOLESALE MORTGAGE, LLC | $350,000 | $150,000 | -57.1% | 0.4% |
| EMM LOANS LLC | $145,000 | n/a | 0.4% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $145,000 | n/a | 0.4% | |
| HOMESIDE FINANCIAL, LLC | $125,000 | n/a | 0.3% | |
| SIRVA MORTGAGE, INC. | $515,000 | $125,000 | -75.7% | 0.3% |
| STOCKTON MORTGAGE CORPORATION | $125,000 | n/a | 0.3% | |
| First Financial Bank | $70,000 | $120,000 | 71.4% | 0.3% |
| BETTER MORTGAGE CORPORATION | $105,000 | n/a | 0.3% | |
| Regions Bank | $235,000 | $100,000 | -57.4% | 0.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $480,000 | $95,000 | -80.2% | 0.3% |
| CIS Financial Services, Inc. | $930,000 | $85,000 | -90.9% | 0.2% |
| NEWREZ LLC | $85,000 | n/a | 0.2% | |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $75,000 | n/a | 0.2% | |
| CSL Financial, LLC | $75,000 | n/a | 0.2% | |
| FREEDOM MORTGAGE CORPORATION | $65,000 | n/a | 0.2% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $65,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $65,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $235,000 | $55,000 | -76.6% | 0.1% |
| U.S. Bank | $435,000 | $55,000 | -87.4% | 0.1% |
| Southern Bancorp Bank | $570,000 | $40,000 | -93.0% | 0.1% |
| Discover Bank | $35,000 | n/a | 0.1% | |
| First Security Bank | $25,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $25,000 | n/a | 0.1% | |
| Relyance Bank | $35,000 | $25,000 | -28.6% | 0.1% |
Camden's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 13.3% market share. In second place, with 11.6%, is QUICKEN LOANS, LLC, having originated $4,300,000 in loans. In third place, with 9.1%, is Farmers Bank & Trust Company, having originated $3,400,000 in loans. In fourth place, with 7.5%, is BancorpSouth, having originated $2,785,000 in loans. In fifth place, with 6.3%, is Generations Bank, having originated $2,350,000 in loans.
Camden, AR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 196 | $25,270,000 | $128,929 |
| Refi | 46 | $5,100,000 | $110,870 |
| Cash Out Refi | 40 | $4,760,000 | $119,000 |
| Home Improvement | 17 | $885,000 | $52,059 |
| Other | 17 | $1,155,000 | $67,941 |
Camden's most frequently cited loan purpose was Home Purchase, with 196 originations. The 2nd most popular reason was Refi, with 46 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 115 | $11,365,000 | $98,826 |
| 6-7% | 106 | $13,690,000 | $129,151 |
| 7-8% | 48 | $5,990,000 | $124,792 |
| 5-6% | 26 | $4,320,000 | $166,154 |
| 4-5% | 3 | $485,000 | $161,667 |
During 2024, Camden's most frequently originated rate bucket was Over 8%, with 115 originations.
Loan Sizing (Camden, AR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 162 | $9,050,000 | $55,864 |
| $100k-200k | 113 | $16,215,000 | $143,496 |
| $200k-400k | 39 | $10,155,000 | $260,385 |
| $600k-1000k | 2 | $1,750,000 | $875,000 |
Camden's loan sizing saw the bucket of loans from $100,000 or less with 162 originations, totaling $9,050,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 154 | $21,560,000 | $140,000 |
| 60-80% | 65 | $8,485,000 | $130,538 |
| 20-40% | 23 | $1,255,000 | $54,565 |
| Under 20% | 23 | $485,000 | $21,087 |
| 40-60% | 19 | $1,765,000 | $92,895 |
| Over 100% | 7 | $1,205,000 | $172,143 |
Camden's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 154 originations, totaling $21,560,000 in origination value.