El Dorado 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 El Dorado averaged 6.88% for the week of 2025-03-27, compared to the national average of 6.65% for the same period.

    The average rate for the prior week (2025-03-20) was 6.6% and one month ago for the week of 2025-02-20, the average rate was 6.78%.

    El Dorado's average rate one year ago was 7.2%.

    For refis of the same type during the week of 2025-03-27, the average rate was 6.95%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-03-27 6.65%
    El Dorado 30 Year Fixed Rate 2025-03-27 6.88%
    El Dorado 30 Year Fixed Rate Refi 2025-03-27 6.95%
    El Dorado 15 Year Fixed Rate 2025-03-27 5.69%
    El Dorado 15 Year Fixed Rate Refi 2025-03-27 6.49%
    El Dorado 30 Year FHA 2025-03-27 6.1%
    El Dorado 30 Year FHA Refi 2025-03-27 6.57%
    El Dorado 30 Year USDA 2025-03-27 6.3%
    El Dorado 30 Year USDA Refi 2025-03-27 6.2%
    El Dorado 30 Year VA 2025-03-27 5.99%
    El Dorado 30 Year VA Refi 2025-03-27 5.99%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within El Dorado, AR.

    El Dorado 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 El Dorado, 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
    First Financial Bank 17 6.97% $3,311
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 13 6.93% $5,043
    UNITED WHOLESALE MORTGAGE, LLC 11 6.53% $4,713
    QUICKEN LOANS, LLC 9 7.23% $6,538
    FirstTrust Home Loans, Inc. 8 6.89% $3,876
    Simmons Bank 6 6.71% $1,996
    BancorpSouth 4 6.63% $3,682
    Wells Fargo Bank 3 7.38% $3,116
    Farm Credit Services of Western Arkansas, ACA 2 7.08% $9,287
    Generations Bank 1 6.13% $2,968
    GERSHMAN INVESTMENT CORP. 1 5.75% $2,182
    Home Federal Bank 1 7.00% $2,062
    JPMorgan Chase Bank 1 8.13% $0
    Mortgage Research Center, LLC 1 6.13% $6,410
    Mr. Cooper ( Nationstar Mortgage ) 1 7.63% $3,327
    NEWREZ LLC 1 7.63% $3,263
    Origin Bank 1 6.63% $3,771
    PREMIA MORTGAGE, LLC 1 6.05% $79
    SIRVA MORTGAGE, INC. 1 6.50% $536
    THRIVE MORTGAGE, LLC 1 5.88% $2,872
    21ST MORTGAGE CORPORATION 1 9.16% $6,036
    ZILLOW HOME LOANS, LLC 1 6.75% $5,096
    ARKANSAS Federal Credit Union 1 6.88% $3,370
    Arvest Bank 1 6.38% $3,294
    Bank of England 1 6.63% $2,577
    CIBM Bank 1 7.13% $6,159
    Eagle Bank and Trust Company 1 7.00% $2,643
    EVERETT FINANCIAL, INC. 1 5.99% $6,724
    First Horizon Bank 1 6.50% $3,424
    FLAT BRANCH MORTGAGE, INC. 1 7.38% $3,859

    El Dorado Average Closing Costs & Other Stats

    El Dorado, AR's 30 lenders originated 432 loans during 2023. The total origination value was $68,100,000, with an average loan value of $157,639.

    El Dorado's average closing costs are $4,096.

    The top El Dorado lender as defined by loan originations is First Financial Bank, with 17 loans originated. Their average total fees are $3,311, which is $1,732 lower than the next largest lender, HIGHLANDS RESIDENTIAL MORTGAGE, LTD..

    The lowest fee El Dorado lenders (with over 10 loans originated) are First Financial Bank ($3,311), UNITED WHOLESALE MORTGAGE, LLC ($4,713), HIGHLANDS RESIDENTIAL MORTGAGE, LTD. ($5,043), .

    The lowest rate El Dorado lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.53%), HIGHLANDS RESIDENTIAL MORTGAGE, LTD. (6.93%), First Financial Bank (6.97%), .

    El Dorado, 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
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $13,835,000 $9,685,000 -30.0% 14.2%
    FirstTrust Home Loans, Inc. $6,795,000 $5,805,000 -14.6% 8.5%
    UNITED WHOLESALE MORTGAGE, LLC $6,280,000 $5,380,000 -14.3% 7.9%
    QUICKEN LOANS, LLC $8,630,000 $4,550,000 -47.3% 6.7%
    EVERETT FINANCIAL, INC. $6,280,000 $4,490,000 -28.5% 6.6%
    First Financial Bank $7,330,000 $4,455,000 -39.2% 6.5%
    Regions Bank $245,000 $3,400,000 1,287.8% 5.0%
    BancorpSouth $5,335,000 $2,950,000 -44.7% 4.3%
    Southern Bancorp Bank $3,405,000 $2,785,000 -18.2% 4.1%
    Simmons Bank $5,580,000 $2,595,000 -53.5% 3.8%
    Mortgage Research Center, LLC $1,125,000 $2,160,000 92.0% 3.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $740,000 $1,760,000 137.8% 2.6%
    Gateway Bank $1,685,000 n/a 2.5%
    21ST MORTGAGE CORPORATION $1,640,000 $1,550,000 -5.5% 2.3%
    TRIAD FINANCIAL SERVICES, INC. $1,265,000 $1,080,000 -14.6% 1.6%
    Farm Credit Services of Western Arkansas, ACA $275,000 $880,000 220.0% 1.3%
    UNITED BUILT HOMES, L.L.C. $590,000 n/a 0.9%
    CIS Financial Services, Inc. $580,000 n/a 0.9%
    Farmers Bank & Trust Company $2,375,000 $580,000 -75.6% 0.9%
    CIBM Bank $565,000 n/a 0.8%
    Wells Fargo Bank $2,095,000 $525,000 -74.9% 0.8%
    LOANDEPOT.COM, LLC $670,000 $495,000 -26.1% 0.7%
    PENNYMAC LOAN SERVICES, LLC $55,000 $495,000 800.0% 0.7%
    Generations Bank $955,000 $385,000 -59.7% 0.6%
    JPMorgan Chase Bank $970,000 $385,000 -60.3% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $625,000 $380,000 -39.2% 0.6%
    ARKANSAS Federal Credit Union $280,000 $375,000 33.9% 0.6%
    SOUTHWEST STAGE FUNDING, LLC $550,000 $335,000 -39.1% 0.5%
    NEW DAY FINANCIAL, LLC $770,000 $310,000 -59.7% 0.5%
    Arvest Bank $640,000 $285,000 -55.5% 0.4%
    NAVY FEDERAL CREDIT UNION $1,350,000 $285,000 -78.9% 0.4%
    Mid-Continent Funding, Inc. $275,000 n/a 0.4%
    Trustmark National Bank $275,000 n/a 0.4%
    FBT Bank & Mortgage $255,000 n/a 0.4%
    PREMIA MORTGAGE, LLC $815,000 $245,000 -69.9% 0.4%
    The Federal Savings Bank $245,000 n/a 0.4%
    THRIVE MORTGAGE, LLC $240,000 n/a 0.4%
    Eagle Bank and Trust Company $450,000 $235,000 -47.8% 0.3%
    Home Federal Bank $235,000 n/a 0.3%
    Origin Bank $235,000 n/a 0.3%
    CSL Financial, LLC $520,000 $225,000 -56.7% 0.3%
    AMERICAN PACIFIC MORTGAGE CORPORATION $205,000 n/a 0.3%
    First Horizon Bank $250,000 $205,000 -18.0% 0.3%
    U.S. Bank $735,000 $205,000 -72.1% 0.3%
    Bank of England $290,000 $195,000 -32.8% 0.3%
    GERSHMAN INVESTMENT CORP. $195,000 n/a 0.3%
    Figure Lending LLC $75,000 $190,000 153.3% 0.3%
    Equity Prime Mortgage LLC $850,000 $180,000 -78.8% 0.3%
    COUNTRYPLACE MORTGAGE, LTD. $935,000 $170,000 -81.8% 0.2%
    BROKER SOLUTIONS, INC. $170,000 $165,000 -2.9% 0.2%
    FLAT BRANCH MORTGAGE, INC. $165,000 n/a 0.2%
    NEWREZ LLC $165,000 n/a 0.2%
    First National Bank of North Arkansas $155,000 n/a 0.2%
    TOP FLITE FINANCIAL, INC. $155,000 n/a 0.2%
    Assurance Financial Group, L.L.C. $145,000 n/a 0.2%
    Renasant Bank $145,000 n/a 0.2%
    LOANPAL, LLC $75,000 $135,000 80.0% 0.2%
    DRAPER AND KRAMER MORTGAGE CORP. $125,000 n/a 0.2%
    Discover Bank $115,000 n/a 0.2%
    TELCOE FEDERAL CREDIT UNION $115,000 n/a 0.2%
    Barrington Bank & Trust Company, N.A. $95,000 n/a 0.1%
    SIRVA MORTGAGE, INC. $95,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $85,000 n/a 0.1%
    Coastal Community Bank $70,000 n/a 0.1%
    SPRING EQ, LLC $65,000 n/a 0.1%
    ACADEMY MORTGAGE CORPORATION $155,000 $55,000 -64.5% 0.1%
    Bank of America $180,000 $55,000 -69.4% 0.1%
    Century Next Bank $215,000 $55,000 -74.4% 0.1%
    PENTAGON FEDERAL CREDIT UNION $35,000 n/a 0.1%
    The First National Bank of Fort Smith $35,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $145,000 $25,000 -82.8% 0.0%

    El Dorado's top lender by overall market share is HIGHLANDS RESIDENTIAL MORTGAGE, LTD., with 14.2% market share. In second place, with 8.5%, is FirstTrust Home Loans, Inc., having originated $5,805,000 in loans. In third place, with 7.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $5,380,000 in loans. In fourth place, with 6.7%, is QUICKEN LOANS, LLC, having originated $4,550,000 in loans. In fifth place, with 6.6%, is EVERETT FINANCIAL, INC., having originated $4,490,000 in loans.

    El Dorado Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - El Dorado (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 $92,250 (-7.2%) $162,416 (13.0%) 0.00 155
    2018-02-01 $108,550 (-5.8%) $177,508 (17.5%) 0.00 162
    2018-03-01 $114,750 (-4.1%) $173,362 (14.4%) 0.00 157
    2018-04-01 $109,925 (-7.8%) $167,542 (13.1%) 0.00 154
    2018-05-01 $110,450 (-1.8%) $171,099 (16.0%) 0.00 154
    2018-06-01 $129,900 (13.0%) $178,670 (18.2%) 0.00 149
    2018-07-01 $144,900 (13.7%) $185,556 (14.1%) 0.00 157
    2018-08-01 $147,500 (18.5%) $190,476 (15.1%) 0.00 164
    2018-09-01 $149,500 (32.7%) $196,727 (22.9%) 0.00 159
    2018-10-01 $153,700 (33.7%) $196,684 (18.6%) 0.00 153
    2018-11-01 $152,900 (51.8%) $198,045 (25.6%) 0.00 152
    2018-12-01 $149,500 (40.7%) $194,474 (20.4%) 0.00 145
    2019-01-01 $149,500 (62.1%) $199,657 (22.9%) 0.00 139
    2019-02-01 $154,850 (42.7%) $212,689 (19.8%) 0.00 146
    2019-03-01 $160,900 (40.2%) $215,686 (24.4%) 0.00 144
    2019-04-01 $163,125 (48.4%) $218,368 (30.3%) 0.00 135
    2019-05-01 $176,975 (60.2%) $228,100 (33.3%) 0.00 126
    2019-06-01 $170,900 (31.6%) $221,197 (23.8%) 0.00 136
    2019-07-01 $164,700 (13.7%) $209,795 (13.1%) 0.00 140
    2019-08-01 $166,077 (12.6%) $207,050 (8.7%) 0.00 131
    2019-09-01 $168,143 (12.5%) $208,376 (5.9%) 0.00 128
    2019-10-01 $169,625 (10.4%) $209,186 (6.4%) 0.00 126
    2019-11-01 $167,250 (9.4%) $209,452 (5.8%) 0.00 130
    2019-12-01 $157,750 (5.5%) $208,216 (7.1%) 0.00 123
    2020-01-01 $149,625 (0.1%) $210,095 (5.2%) 0.00 114
    2020-02-01 $147,250 (-4.9%) $212,190 (-0.2%) 0.00 110
    2020-03-01 $146,125 (-9.2%) $215,142 (-0.3%) 0.00 113
    2020-04-01 $147,250 (-9.7%) $209,869 (-3.9%) 0.00 108
    2020-05-01 $135,000 (-23.7%) $209,850 (-8.0%) 0.00 105
    2020-06-01 $160,000 (-6.4%) $240,843 (8.9%) 0.00 114
    2020-07-01 $178,450 (8.4%) $254,934 (21.5%) 0.00 111
    2020-08-01 $189,900 (14.3%) $256,814 (24.0%) 0.00 115
    2020-09-01 $216,100 (28.5%) $275,385 (32.2%) 0.00 104
    2020-10-01 $222,200 (31.0%) $273,856 (30.9%) 0.00 100
    2020-11-01 $216,000 (29.2%) $269,948 (28.9%) 0.00 86
    2020-12-01 $194,750 (23.5%) $264,571 (27.1%) 0.00 78
    2021-01-01 $182,900 (22.2%) $247,120 (17.6%) 0.00 77
    2021-02-01 $182,700 (24.1%) $230,524 (8.6%) 0.00 74
    2021-03-01 $182,700 (25.0%) $233,633 (8.6%) 0.00 63
    2021-04-01 $197,450 (34.1%) $238,126 (13.5%) 0.00 66
    2021-05-01 $183,700 (36.1%) $250,837 (19.5%) 0.00 69
    2021-06-01 $180,650 (12.9%) $259,997 (8.0%) 0.00 69
    2021-07-01 $195,000 (9.3%) $266,781 (4.7%) 0.00 54
    2021-08-01 $195,000 (2.7%) $273,786 (6.6%) 0.00 56
    2021-09-01 $193,225 (-10.6%) $283,290 (2.9%) 0.00 49
    2021-10-01 $195,000 (-12.2%) $269,355 (-1.6%) 0.00 57
    2021-11-01 $181,175 (-16.1%) $247,599 (-8.3%) 0.00 61
    2021-12-01 $177,450 (-8.9%) $257,555 (-2.7%) 0.00 48
    2022-01-01 $177,450 (-3.0%) $278,159 (12.6%) 0.00 38
    2022-02-01 $163,750 (-10.4%) $278,235 (20.7%) 0.00 48
    2022-03-01 $172,425 (-5.6%) $271,389 (16.2%) 0.00 45
    2022-04-01 $179,500 (-9.1%) $276,787 (16.2%) 0.00 40
    2022-05-01 $193,625 (5.4%) $265,426 (5.8%) 0.00 45
    2022-06-01 $194,000 (7.4%) $260,310 (0.1%) 0.00 50
    2022-07-01 $185,000 (-5.1%) $265,804 (-0.4%) 0.00 54
    2022-08-01 $203,375 (4.3%) $247,648 (-9.6%) 0.00 63
    2022-09-01 $202,250 (4.7%) $241,902 (-14.6%) 0.00 64
    2022-10-01 $199,000 (2.1%) $235,321 (-12.6%) 0.00 68
    2022-11-01 $192,500 (6.3%) $239,214 (-3.4%) 0.00 74
    2022-12-01 $186,500 (5.1%) $232,892 (-9.6%) 0.00 77
    2023-01-01 $190,375 (7.3%) $245,780 (-11.6%) 0.00 69
    2023-02-01 $180,000 (9.9%) $249,648 (-10.3%) 0.00 66
    2023-03-01 $168,675 (-2.2%) $249,131 (-8.2%) 0.00 72
    2023-04-01 $149,950 (-16.5%) $237,379 (-14.2%) 0.00 77
    2023-05-01 $145,000 (-25.1%) $236,520 (-10.9%) 0.00 69
    2023-06-01 $159,250 (-17.9%) $241,169 (-7.4%) 0.00 73
    2023-07-01 $169,000 (-8.7%) $251,345 (-5.4%) 0.00 70
    2023-08-01 $198,100 (-2.6%) $238,864 (-3.6%) 0.00 74
    2023-09-01 $185,900 (-8.1%) $217,956 (-9.9%) 0.00 70
    2023-10-01 $176,925 (-11.1%) $214,906 (-8.7%) 0.00 87
    2023-11-01 $164,175 (-14.7%) $213,957 (-10.6%) 0.00 51
    2023-12-01 $193,700 (3.9%) $243,591 (4.6%) 0.00 52
    2024-01-01 $200,350 (5.2%) $253,604 (3.2%) 0.00 49
    2024-02-01 $214,900 (19.4%) $256,178 (2.6%) 0.00 55
    2024-03-01 $214,450 (27.1%) $254,293 (2.1%) 0.00 56
    2024-04-01 $212,000 (41.4%) $241,280 (1.6%) 0.00 66
    2024-05-01 $236,700 (63.2%) $261,643 (10.6%) 0.00 65
    2024-06-01 $239,900 (50.6%) $266,432 (10.5%) 0.00 60
    2024-07-01 $229,000 (35.5%) $265,951 (5.8%) 0.00 67
    2024-08-01 $219,900 (11.0%) $253,731 (6.2%) 0.00 67
    2024-09-01 $212,475 (14.3%) $247,413 (13.5%) 0.00 86
    2024-10-01 $231,000 (30.6%) $256,707 (19.5%) 0.00 81
    2024-11-01 $229,700 (39.9%) $250,745 (17.2%) 0.00 87
    2024-12-01 $234,625 (21.1%) $252,296 (3.6%) 0.00 83
    2025-01-01 $265,675 (32.6%) $273,227 (7.7%) 0.00 76
    2025-02-01 $289,750 (34.8%) $284,951 (11.2%) 0.00 72
    El Dorado's median listing price for 2025-02-01 was $289,750, a difference of $74,850 (34.8%) versus the prior year and $24,075 versus the prior month.

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

    El Dorado's average listing price for 2025-02-01 was $284,951, a difference of $28,773 (11.2%) versus the prior year and $11,724 versus the prior month.

    For the 2025-02-01 period, El Dorado had 72 MLS listings, a difference of -4 listings (-5%) versus the prior month and 17 listings (31%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - El Dorado (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,093 sqft
    2018-02-01 0 days 2,182 sqft
    2018-03-01 0 days 2,045 sqft
    2018-04-01 0 days 1,975 sqft
    2018-05-01 0 days 2,017 sqft
    2018-06-01 0 days 2,103 sqft
    2018-07-01 0 days 2,253 sqft
    2018-08-01 0 days 2,212 sqft
    2018-09-01 0 days 2,121 sqft
    2018-10-01 0 days 2,274 sqft
    2018-11-01 0 days 2,276 sqft
    2018-12-01 0 days 2,126 sqft
    2019-01-01 0 days 2,166 sqft
    2019-02-01 0 days 2,190 sqft
    2019-03-01 0 days 2,209 sqft
    2019-04-01 0 days 2,240 sqft
    2019-05-01 0 days 2,331 sqft
    2019-06-01 0 days 2,207 sqft
    2019-07-01 0 days 2,188 sqft
    2019-08-01 0 days 2,200 sqft
    2019-09-01 0 days 2,248 sqft
    2019-10-01 0 days 2,256 sqft
    2019-11-01 0 days 2,122 sqft
    2019-12-01 0 days 2,043 sqft
    2020-01-01 0 days 2,041 sqft
    2020-02-01 0 days 2,008 sqft
    2020-03-01 0 days 2,010 sqft
    2020-04-01 0 days 1,985 sqft
    2020-05-01 0 days 1,912 sqft
    2020-06-01 0 days 2,063 sqft
    2020-07-01 0 days 2,181 sqft
    2020-08-01 0 days 2,198 sqft
    2020-09-01 0 days 2,438 sqft
    2020-10-01 0 days 2,473 sqft
    2020-11-01 0 days 2,404 sqft
    2020-12-01 0 days 2,330 sqft
    2021-01-01 0 days 2,078 sqft
    2021-02-01 0 days 2,044 sqft
    2021-03-01 0 days 2,097 sqft
    2021-04-01 0 days 2,092 sqft
    2021-05-01 0 days 2,002 sqft
    2021-06-01 0 days 1,994 sqft
    2021-07-01 0 days 2,314 sqft
    2021-08-01 0 days 2,143 sqft
    2021-09-01 0 days 2,245 sqft
    2021-10-01 0 days 2,131 sqft
    2021-11-01 0 days 2,084 sqft
    2021-12-01 0 days 2,190 sqft
    2022-01-01 0 days 2,247 sqft
    2022-02-01 0 days 2,264 sqft
    2022-03-01 0 days 2,197 sqft
    2022-04-01 0 days 2,079 sqft
    2022-05-01 0 days 2,087 sqft
    2022-06-01 0 days 2,094 sqft
    2022-07-01 0 days 1,976 sqft
    2022-08-01 0 days 2,021 sqft
    2022-09-01 0 days 2,058 sqft
    2022-10-01 0 days 2,019 sqft
    2022-11-01 0 days 1,953 sqft
    2022-12-01 0 days 1,942 sqft
    2023-01-01 0 days 2,006 sqft
    2023-02-01 0 days 1,957 sqft
    2023-03-01 0 days 1,955 sqft
    2023-04-01 0 days 1,839 sqft
    2023-05-01 0 days 1,908 sqft
    2023-06-01 0 days 2,001 sqft
    2023-07-01 0 days 2,212 sqft
    2023-08-01 0 days 2,156 sqft
    2023-09-01 0 days 2,128 sqft
    2023-10-01 0 days 2,145 sqft
    2023-11-01 0 days 1,998 sqft
    2023-12-01 0 days 2,206 sqft
    2024-01-01 0 days 2,156 sqft
    2024-02-01 0 days 2,226 sqft
    2024-03-01 0 days 2,228 sqft
    2024-04-01 0 days 2,124 sqft
    2024-05-01 0 days 2,177 sqft
    2024-06-01 0 days 2,128 sqft
    2024-07-01 0 days 2,019 sqft
    2024-08-01 0 days 1,963 sqft
    2024-09-01 0 days 2,046 sqft
    2024-10-01 0 days 2,166 sqft
    2024-11-01 0 days 2,079 sqft
    2024-12-01 0 days 2,231 sqft
    2025-01-01 0 days 2,438 sqft
    2025-02-01 0 days 2,484 sqft
    El Dorado's median listing age (time on market) for 2025-02-01 was 0 days.

    El Dorado's median square footage for active listings during the 2025-02-01 period was 2,484 sqft. One year prior, the average listing was 2,226 sqft.

    El Dorado, AR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 308 $54,490,000 $176,916
    Cash Out Refi 41 $5,345,000 $130,366
    Refi 40 $5,700,000 $142,500
    Other 27 $1,605,000 $59,444
    Home Improvement 16 $960,000 $60,000

    El Dorado's most frequently cited loan purpose was Home Purchase, with 308 originations. The 2nd most popular reason was Cash Out Refi, with 41 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 158 $27,190,000 $172,089
    Over 8% 113 $10,555,000 $93,407
    7-8% 109 $20,505,000 $188,119
    5-6% 38 $6,900,000 $181,579
    <2.5% 2 $230,000 $115,000
    4-5% 2 $570,000 $285,000

    During 2023, El Dorado's most frequently originated rate bucket was 6-7%, with 158 originations.

    Loan Sizing (El Dorado, AR MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 166 $9,380,000 $56,506
    $100k-200k 160 $23,920,000 $149,500
    $200k-400k 95 $24,955,000 $262,684
    $400k-600k 6 $2,790,000 $465,000
    $600k-1000k 3 $2,795,000 $931,667
    $Over $1MM 2 $4,260,000 $2,130,000

    El Dorado's loan sizing saw the bucket of loans from $100,000 or less with 166 originations, totaling $9,380,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 256 $43,300,000 $169,141
    60-80% 62 $10,570,000 $170,484
    Under 20% 31 $935,000 $30,161
    40-60% 30 $6,470,000 $215,667
    20-40% 29 $1,535,000 $52,931
    Over 100% 10 $1,910,000 $191,000

    El Dorado's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 256 originations, totaling $43,300,000 in origination value.