Camden Mortgage Rates & Closing Costs

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

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%
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 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. Louis
Date 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 for 2023-02-01 was $187,450, a difference of $45,650 (32.2%) versus the prior year and $27,550 versus the prior month.

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. Louis
Date 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 listing age (time on market) for 2023-02-01 was 0 days.

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.