El Dorado Mortgage Rates

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

30 Year Fixed Rate mortgages in El Dorado averaged 6.05% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.06% and one month ago for the week of 2022-05-26, the average rate was 5.55%.

El Dorado's average rate one year ago was 3.44%.

For refis of the same type during the week of 2022-06-30, the average rate was 6%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
El Dorado 30 Year Fixed Rate 2022-06-30 6.05%
El Dorado 30 Year Fixed Rate Refi 2022-06-30 6%
El Dorado 15 Year Fixed Rate 2022-06-30 6.18%
El Dorado 15 Year Fixed Rate Refi 2022-06-30 5.04%
El Dorado 30 Year FHA 2022-06-30 5.7%
El Dorado 30 Year FHA Refi 2022-06-30 5.56%
El Dorado 30 Year USDA 2022-06-30 5.91%
El Dorado 30 Year USDA Refi 2022-06-30 6.62%
El Dorado 30 Year VA 2022-06-30 5.92%
El Dorado 30 Year VA Refi 2022-06-30 5.09%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 51 3.23% $2,365
First Financial Bank 45 3.00% $2,112
QUICKEN LOANS, LLC 25 3.12% $4,391
FirstTrust Home Loans, Inc. 19 3.17% $2,586
Wells Fargo Bank 17 3.26% $3,155
Simmons Bank 11 3.09% $2,264
BancorpSouth Bank 6 3.13% $2,308
UNITED WHOLESALE MORTGAGE, LLC 4 3.32% $3,569
LOANDEPOT.COM, LLC 4 3.03% $4,810
CALIBER HOME LOANS, INC. 3 2.96% $1,690
Reliant Bank 2 5.08% $2,642
BETTER MORTGAGE CORPORATION 2 2.56% $3,685
CROSSCOUNTRY MORTGAGE, LLC 2 3.25% $3,104
Eagle Bank and Trust Company 2 2.75% $1,672
ENCORE BANK 2 2.88% $1,949
EVERETT FINANCIAL, INC. 2 3.63% $1,158
Farmers Bank & Trust Company 2 3.19% $2,778
First Security Bank 2 3.13% $3,123
LAKEVIEW LOAN SERVICING, LLC 2 3.38% $1,383
Mr. Cooper ( Nationstar Mortgage ) 2 3.13% $3,068
North American Savings Bank, F.S.B. 2 3.31% $997
Regions Bank 2 3.63% $1,007
Renasant Bank 2 3.13% $3,255
RESIDENTIAL BANCORP. 2 3.12% $2,649
ROYAL UNITED MORTGAGE LLC 2 3.38% $7,614
JPMorgan Chase Bank 1 2.99% $1,896
RUOFF MORTGAGE COMPANY, INC. 1 2.75% $1,692
Columbia State Bank 1 2.88% $2,426
MOVEMENT MORTGAGE, LLC 1 3.75% $2,568
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.25% $6,589
NAVY FEDERAL CREDIT UNION 1 3.25% $1,432
TIAA, FSB 1 2.99% $5,889
PENNYMAC LOAN SERVICES, LLC 1 3.13% $5,297
CMG MORTGAGE, INC. 1 2.99% $4,409
Bryant Bank 1 2.25% $4,015
AMERISAVE MORTGAGE CORPORATION 1 2.75% $2,347
U.S. Bank 1 3.00% $3,294
BROKER SOLUTIONS, INC. 1 2.88% $2,588
First Community Bank 1 3.25% $3,251
Wyndham Capital Mortgage, Inc. 1 3.38% $2,369
ENDEAVOR CAPITAL, LLC. 1 3.13% $4,708
Flagstar Bank, FSB 1 3.16% $2,745
GMFS LLC 1 3.00% $3,001
GUILD MORTGAGE COMPANY 1 3.25% $5,538
Discover Bank 1 5.75% $0
HOME POINT FINANCIAL CORPORATION 1 2.75% $7,901

El Dorado, AR's 46 lenders originated 789 loans during 2021. The total origination value was $128,195,000, with an average loan value of $162,478.

The top El Dorado lender as defined by loan originations is HIGHLANDS RESIDENTIAL MORTGAGE, LTD., with 51 loans originated. Their average total fees are $2,365, which is $253 higher than the next largest lender, First Financial Bank.

The lowest fee El Dorado lenders (with over 10 loans originated) are First Financial Bank ($2,112), Simmons Bank ($2,264), HIGHLANDS RESIDENTIAL MORTGAGE, LTD. ($2,365), FirstTrust Home Loans, Inc. ($2,586) and Wells Fargo Bank ($3,155).

The lowest rate El Dorado lenders (with over 10 loans originated) are First Financial Bank (3.00%), Simmons Bank (3.09%), QUICKEN LOANS, LLC (3.12%), FirstTrust Home Loans, Inc. (3.17%) and HIGHLANDS RESIDENTIAL MORTGAGE, LTD. (3.23%).

El Dorado, AR Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $20,785,000 $19,380,000 -6.8% 15.1%
First Financial Bank $18,175,000 $18,945,000 4.2% 14.8%
QUICKEN LOANS, LLC $19,385,000 $12,365,000 -36.2% 9.6%
FirstTrust Home Loans, Inc. $6,915,000 $9,305,000 34.6% 7.3%
Wells Fargo Bank $2,495,000 $5,670,000 127.3% 4.4%
Simmons Bank $6,140,000 $5,510,000 -10.3% 4.3%
Farmers Bank & Trust Company $605,000 $5,370,000 787.6% 4.2%
Southern Bancorp Bank $3,175,000 $4,390,000 38.3% 3.4%
BancorpSouth Bank $3,605,000 $3,590,000 -0.4% 2.8%
FREEDOM MORTGAGE CORPORATION $3,345,000 $3,050,000 -8.8% 2.4%
EVERETT FINANCIAL, INC. $8,475,000 $2,510,000 -70.4% 2.0%
UNITED WHOLESALE MORTGAGE, LLC $2,160,000 n/a 1.7%
Regions Bank $1,115,000 $2,050,000 83.9% 1.6%
21ST MORTGAGE CORPORATION $1,600,000 $1,915,000 19.7% 1.5%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,140,000 $1,700,000 49.1% 1.3%
TRIAD FINANCIAL SERVICES, INC. $325,000 $1,475,000 353.8% 1.2%
CALIBER HOME LOANS, INC. $500,000 $1,440,000 188.0% 1.1%
AMERISAVE MORTGAGE CORPORATION $790,000 $1,410,000 78.5% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $1,295,000 n/a 1.0%
Mortgage Research Center, LLC $1,690,000 $1,255,000 -25.7% 1.0%
Citizens National Bank, N.A. $1,105,000 n/a 0.9%
Renasant Bank $80,000 $895,000 1,018.8% 0.7%
VILLAGE CAPITAL & INVESTMENT LLC $350,000 $870,000 148.6% 0.7%
UNITED BUILT HOMES, L.L.C. $205,000 $855,000 317.1% 0.7%
HOME POINT FINANCIAL CORPORATION $305,000 $815,000 167.2% 0.6%
LOANDEPOT.COM, LLC $1,350,000 $815,000 -39.6% 0.6%
PENNYMAC LOAN SERVICES, LLC $320,000 $715,000 123.4% 0.6%
Eagle Bank and Trust Company $715,000 $710,000 -0.7% 0.6%
First Security Bank $660,000 n/a 0.5%
CSL Financial, LLC $190,000 $620,000 226.3% 0.5%
LAKEVIEW LOAN SERVICING, LLC $145,000 $615,000 324.1% 0.5%
SOUTHWEST STAGE FUNDING, LLC $195,000 $605,000 210.3% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $590,000 n/a 0.5%
SUN WEST MORTGAGE COMPANY, INC. $255,000 $575,000 125.5% 0.4%
BETTER MORTGAGE CORPORATION $660,000 $560,000 -15.2% 0.4%
NAVY FEDERAL CREDIT UNION $375,000 $560,000 49.3% 0.4%
NEW DAY FINANCIAL, LLC $510,000 $550,000 7.8% 0.4%
Gateway First Bank $380,000 $535,000 40.8% 0.4%
Century Next Bank $165,000 $525,000 218.2% 0.4%
JPMorgan Chase Bank $515,000 n/a 0.4%
USAA Federal Savings Bank $720,000 $505,000 -29.9% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $490,000 n/a 0.4%
ROYAL UNITED MORTGAGE LLC $55,000 $450,000 718.2% 0.4%
COUNTRYPLACE MORTGAGE, LTD. $400,000 $445,000 11.3% 0.3%
ENCORE BANK $410,000 n/a 0.3%
Bank of England $630,000 $330,000 -47.6% 0.3%
Arvest Bank $115,000 $315,000 173.9% 0.2%
RESIDENTIAL BANCORP. $300,000 n/a 0.2%
U.S. Bank $580,000 $295,000 -49.1% 0.2%
GUILD MORTGAGE COMPANY $285,000 n/a 0.2%
North American Savings Bank, F.S.B. $95,000 $270,000 184.2% 0.2%
Wyndham Capital Mortgage, Inc. $265,000 n/a 0.2%
Reliant Bank $645,000 $260,000 -59.7% 0.2%
The Federal Savings Bank $610,000 $255,000 -58.2% 0.2%
First Option Mortgage, LLC $235,000 n/a 0.2%
Bryant Bank $205,000 n/a 0.2%
CREDIT HUMAN FEDERAL CREDIT UNION $95,000 $195,000 105.3% 0.2%
FIRST COMMUNITY MORTGAGE, INC. $195,000 n/a 0.2%
First Guaranty Mortgage Corporation $695,000 $195,000 -71.9% 0.2%
Barrington Bank & Trust Company, N.A. $110,000 $185,000 68.2% 0.1%
BROKER SOLUTIONS, INC. $145,000 $185,000 27.6% 0.1%
Bank OZK $45,000 $175,000 288.9% 0.1%
Ally Bank $165,000 n/a 0.1%
PLANET HOME LENDING, LLC $430,000 $165,000 -61.6% 0.1%
TIAA, FSB $165,000 n/a 0.1%
Columbia State Bank $155,000 n/a 0.1%
Magnolia Bank $155,000 n/a 0.1%
First Community Bank $215,000 $135,000 -37.2% 0.1%
GMFS LLC $270,000 $135,000 -50.0% 0.1%
AMERICAN FINANCING CORPORATION $125,000 n/a 0.1%
Assurance Financial Group, L.L.C. $125,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $125,000 n/a 0.1%
CMG MORTGAGE, INC. $125,000 n/a 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $175,000 $125,000 -28.6% 0.1%
Carrington Mortgage Services, LLC $115,000 $115,000 0.0% 0.1%
ENDEAVOR CAPITAL, LLC. $115,000 n/a 0.1%
Low VA Rates, LLC $280,000 $115,000 -58.9% 0.1%
RUOFF MORTGAGE COMPANY, INC. $115,000 n/a 0.1%
PHH Mortgage Corporation $110,000 n/a 0.1%
Flagstar Bank, FSB $305,000 $105,000 -65.6% 0.1%
Generations Bank $775,000 $105,000 -86.5% 0.1%
RELIANCE FIRST CAPITAL, LLC $555,000 $105,000 -81.1% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $95,000 n/a 0.1%
AMERICAN ADVISORS GROUP $90,000 n/a 0.1%
FLAT BRANCH MORTGAGE, INC. $85,000 n/a 0.1%
First Savings Bank $75,000 n/a 0.1%
NEWREZ LLC $245,000 $75,000 -69.4% 0.1%
MOVEMENT MORTGAGE, LLC $65,000 $65,000 0.0% 0.1%
ARKANSAS Federal Credit Union $760,000 $55,000 -92.8% 0.0%
CIS Financial Services, Inc. $55,000 n/a 0.0%
Discover Bank $45,000 $55,000 22.2% 0.0%
Truist Bank $55,000 $25,000 -54.5% 0.0%
PINE BLUFF COTTON BELT Federal Credit Union $15,000 n/a 0.0%

El Dorado's top lender by overall market share is HIGHLANDS RESIDENTIAL MORTGAGE, LTD., with 15.1% market share. In second place, with 14.8%, is First Financial Bank, having originated $18,945,000 in loans. In third place, with 9.6%, is QUICKEN LOANS, LLC, having originated $12,365,000 in loans. In third place, with 7.3%, is FirstTrust Home Loans, Inc., having originated $9,305,000 in loans. In third place, with 4.4%, is Wells Fargo Bank, having originated $5,670,000 in loans.


El Dorado, AR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 423 $76,385,000 $180,579
Refi 242 $34,330,000 $141,860
Cash Out Refi 95 $15,635,000 $164,579
Home Improvement 15 $925,000 $61,667
Other 14 $920,000 $65,714

El Dorado's most frequently cited loan purpose was Home Purchase, with 423 originations. The 2nd most popular reason was Refi, with 242 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 288 $47,800,000 $165,972
2.5-3% 224 $42,760,000 $190,893
<2.5% 106 $18,360,000 $173,208
4-5% 69 $9,815,000 $142,246
Over 8% 35 $3,585,000 $102,429
5-6% 31 $1,885,000 $60,806
7-8% 20 $1,670,000 $83,500
6-7% 15 $1,215,000 $81,000

During 2021, El Dorado's most frequently originated rate bucket was 3-4%, with 288 originations.

Loan Sizing (El Dorado, AR MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 317 $46,375,000 $146,293
$100,000 or less 266 $16,040,000 $60,301
$200k-400k 178 $46,620,000 $261,910
$400k-600k 21 $9,665,000 $460,238
$600k-1000k 4 $2,720,000 $680,000
$Over $1MM 3 $6,775,000 $2,258,333

El Dorado's loan sizing saw the bucket of loans from $100k-200k with 317 originations, totaling $46,375,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 400 $74,060,000 $185,150
60-80% 203 $32,795,000 $161,552
40-60% 73 $8,875,000 $121,575
20-40% 31 $1,865,000 $60,161
Under 20% 27 $735,000 $27,222
Over 100% 17 $2,795,000 $164,412

El Dorado's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 400 originations, totaling $74,060,000 in origination value.


Market Conditions (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 $96,200 (-3.7%) $164,510 (14.8%) 0.00 151
2018-02-01 $111,200 (-3.3%) $177,794 (18.5%) 0.00 157
2018-03-01 $110,000 (-8.0%) $173,659 (15.6%) 0.00 152
2018-04-01 $107,450 (-9.7%) $166,376 (12.7%) 0.00 150
2018-05-01 $109,900 (-2.3%) $169,427 (14.8%) 0.00 150
2018-06-01 $125,000 (5.5%) $178,601 (16.9%) 0.00 142
2018-07-01 $132,900 (3.0%) $183,757 (12.1%) 0.00 150
2018-08-01 $147,500 (16.8%) $189,507 (12.7%) 0.00 156
2018-09-01 $149,500 (30.0%) $195,658 (20.3%) 0.00 152
2018-10-01 $154,950 (27.1%) $194,958 (15.4%) 0.00 147
2018-11-01 $152,900 (39.0%) $196,745 (21.7%) 0.00 145
2018-12-01 $149,500 (35.9%) $193,089 (18.0%) 0.00 140
2019-01-01 $149,500 (55.4%) $199,008 (21.0%) 0.00 134
2019-02-01 $154,750 (39.2%) $212,932 (19.8%) 0.00 139
2019-03-01 $161,014 (46.4%) $216,177 (24.5%) 0.00 138
2019-04-01 $163,750 (52.4%) $218,907 (31.6%) 0.00 129
2019-05-01 $177,450 (61.5%) $227,713 (34.4%) 0.00 120
2019-06-01 $169,900 (35.9%) $220,934 (23.7%) 0.00 134
2019-07-01 $164,900 (24.1%) $208,336 (13.4%) 0.00 137
2019-08-01 $162,586 (10.2%) $199,913 (5.5%) 0.00 135
2019-09-01 $162,636 (8.8%) $195,936 (0.1%) 0.00 136
2019-10-01 $170,000 (9.7%) $210,311 (7.9%) 0.00 125
2019-11-01 $169,500 (10.9%) $211,106 (7.3%) 0.00 129
2019-12-01 $159,000 (6.4%) $208,308 (7.9%) 0.00 120
2020-01-01 $157,000 (5.0%) $212,040 (6.6%) 0.00 112
2020-02-01 $149,500 (-3.4%) $215,248 (1.1%) 0.00 108
2020-03-01 $149,500 (-7.2%) $218,604 (1.1%) 0.00 109
2020-04-01 $149,500 (-8.7%) $213,338 (-2.5%) 0.00 104
2020-05-01 $135,000 (-23.9%) $212,496 (-6.7%) 0.00 101
2020-06-01 $165,000 (-2.9%) $242,198 (9.6%) 0.00 111
2020-07-01 $179,900 (9.1%) $258,950 (24.3%) 0.00 108
2020-08-01 $195,000 (19.9%) $258,152 (29.1%) 0.00 112
2020-09-01 $225,000 (38.4%) $277,891 (41.8%) 0.00 101
2020-10-01 $225,000 (32.4%) $280,585 (33.4%) 0.00 97
2020-11-01 $235,000 (38.6%) $278,852 (32.1%) 0.00 82
2020-12-01 $205,000 (28.9%) $273,318 (31.2%) 0.00 74
2021-01-01 $190,000 (21.0%) $254,697 (20.1%) 0.00 73
2021-02-01 $189,000 (26.4%) $235,646 (9.5%) 0.00 71
2021-03-01 $190,350 (27.3%) $237,379 (8.6%) 0.00 59
2021-04-01 $205,000 (37.1%) $241,173 (13.1%) 0.00 62
2021-05-01 $195,000 (44.4%) $254,684 (19.9%) 0.00 67
2021-06-01 $182,200 (10.4%) $263,486 (8.8%) 0.00 67
2021-07-01 $195,000 (8.4%) $268,725 (3.8%) 0.00 54
2021-08-01 $195,000 (0.0%) $276,530 (7.1%) 0.00 55
2021-09-01 $197,450 (-12.2%) $288,444 (3.8%) 0.00 47
2021-10-01 $199,900 (-11.2%) $275,220 (-1.9%) 0.00 56
2021-11-01 $185,000 (-21.3%) $250,247 (-10.3%) 0.00 58
2021-12-01 $185,000 (-9.8%) $266,111 (-2.6%) 0.00 45
2022-01-01 $179,900 (-5.3%) $288,424 (13.2%) 0.00 35
2022-02-01 $197,500 (4.5%) $284,542 (20.8%) 0.00 47
2022-03-01 $188,000 (-1.2%) $278,430 (17.3%) 0.00 42
2022-04-01 $180,000 (-12.2%) $284,242 (17.9%) 0.00 38
2022-05-01 $197,000 (1.0%) $261,954 (2.9%) 0.00 43
2022-06-01 $204,950 (12.5%) $260,981 (-1.0%) 0.00 49
El Dorado's median listing price for 2022-06-01 was $204,950, a difference of $22,750 (12.5%) versus the prior year and $7,950 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 2022-06-01 was $260,981, a difference of $-2,505 (-1.0%) versus the prior year and $-973 versus the prior month.

For the 2022-06-01 period, El Dorado had 49 MLS listings, a difference of 6 listings (14%) versus the prior month and -18 listings (-27%) 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 1,382 sqft
2018-02-01 0 days 0 sqft
2018-03-01 0 days 1,400 sqft
2018-04-01 0 days 2,937 sqft
2018-05-01 0 days 1,512 sqft
2018-06-01 0 days 1,512 sqft
2018-07-01 0 days 1,568 sqft
2018-08-01 0 days 1,568 sqft
2018-09-01 0 days 2,743 sqft
2018-10-01 0 days 2,743 sqft
2018-11-01 0 days 2,743 sqft
2018-12-01 0 days 1,958 sqft
2019-01-01 0 days 3,214 sqft
2019-02-01 0 days 1,564 sqft
2019-03-01 0 days 1,946 sqft
2019-04-01 0 days 2,309 sqft
2019-05-01 0 days 2,308 sqft
2019-06-01 0 days 2,205 sqft
2019-07-01 0 days 2,156 sqft
2019-08-01 0 days 2,116 sqft
2019-09-01 0 days 2,102 sqft
2019-10-01 0 days 2,251 sqft
2019-11-01 0 days 2,128 sqft
2019-12-01 0 days 2,043 sqft
2020-01-01 0 days 2,044 sqft
2020-02-01 0 days 2,010 sqft
2020-03-01 0 days 2,016 sqft
2020-04-01 0 days 1,994 sqft
2020-05-01 0 days 1,912 sqft
2020-06-01 0 days 2,060 sqft
2020-07-01 0 days 2,219 sqft
2020-08-01 0 days 2,220 sqft
2020-09-01 0 days 2,473 sqft
2020-10-01 0 days 2,522 sqft
2020-11-01 0 days 2,557 sqft
2020-12-01 0 days 2,376 sqft
2021-01-01 0 days 2,131 sqft
2021-02-01 0 days 2,068 sqft
2021-03-01 0 days 2,112 sqft
2021-04-01 0 days 2,092 sqft
2021-05-01 0 days 2,002 sqft
2021-06-01 0 days 2,028 sqft
2021-07-01 0 days 2,231 sqft
2021-08-01 0 days 2,297 sqft
2021-09-01 0 days 2,280 sqft
2021-10-01 0 days 2,280 sqft
2021-11-01 0 days 2,102 sqft
2021-12-01 0 days 2,220 sqft
2022-01-01 0 days 2,320 sqft
2022-02-01 0 days 2,327 sqft
2022-03-01 0 days 2,314 sqft
2022-04-01 0 days 2,079 sqft
2022-05-01 0 days 2,089 sqft
2022-06-01 0 days 2,106 sqft
El Dorado's median listing age (time on market) for 2022-06-01 was 0 days.

El Dorado's median square footage for active listings during the 2022-06-01 period was 2,106 sqft. One year prior, the average listing was 2,028 sqft.