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 6.98% for the week of 2024-04-11, compared to the national average of 6.88% for the same period.

The average rate for the prior week (2024-04-04) was 6.82% and one month ago for the week of 2024-03-07, the average rate was 7.08%.

Camden's average rate one year ago was 6.08%.

For refis of the same type during the week of 2024-04-11, the average rate was 7.08%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-11 6.88%
Camden 30 Year Fixed Rate 2024-04-11 6.98%
Camden 30 Year Fixed Rate Refi 2024-04-11 7.08%
Camden 15 Year Fixed Rate 2024-04-11 6.36%
Camden 15 Year Fixed Rate Refi 2024-04-11 6.26%
Camden 30 Year FHA 2024-04-11 6.84%
Camden 30 Year FHA Refi 2024-04-11 7.04%
Camden 30 Year USDA 2024-04-11 6.61%
Camden 30 Year USDA Refi 2024-04-11 6.81%
Camden 30 Year VA 2024-04-11 6.57%
Camden 30 Year VA Refi 2024-04-11 6.37%
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
Camden's median listing price for 2024-03-01 was $159,900, a difference of $-18,200 (-10.2%) versus the prior year and $6,400 versus the prior month.

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

Camden's average listing price for 2024-03-01 was $179,120, a difference of $-40,508 (-18.4%) versus the prior year and $-597 versus the prior month.

For the 2024-03-01 period, Camden had 66 MLS listings, a difference of 4 listings (6%) versus the prior month and -23 listings (-26%) 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
Camden's median listing age (time on market) for 2024-03-01 was 0 days.

Camden's median square footage for active listings during the 2024-03-01 period was 1,790 sqft. One year prior, the average listing was 1,726 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.