Camden Mortgage Rates & Closing Costs

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    • 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.