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 6.71% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.93% and one month ago for the week of 2025-03-06, the average rate was 7.12%.

    El Dorado's average rate one year ago was 7.21%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.12%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    El Dorado 30 Year Fixed Rate 2025-04-10 6.71%
    El Dorado 30 Year Fixed Rate Refi 2025-04-10 7.12%
    El Dorado 15 Year Fixed Rate 2025-04-10 5.72%
    El Dorado 15 Year Fixed Rate Refi 2025-04-10 6.12%
    El Dorado 30 Year FHA 2025-04-10 6.53%
    El Dorado 30 Year FHA Refi 2025-04-10 6.63%
    El Dorado 30 Year USDA 2025-04-10 6.65%
    El Dorado 30 Year USDA Refi 2025-04-10 6.55%
    El Dorado 30 Year VA 2025-04-10 6.49%
    El Dorado 30 Year VA Refi 2025-04-10 6.39%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    First Financial Bank 26 7.18% $3,146
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 25 6.95% $5,545
    Simmons Bank 9 7.42% $2,661
    QUICKEN LOANS, LLC 9 6.94% $4,604
    UNITED WHOLESALE MORTGAGE, LLC 7 6.91% $7,276
    BancorpSouth 5 6.93% $2,835
    Wells Fargo Bank 3 6.33% $4,706
    Farm Credit Services of Western Arkansas, ACA 3 7.25% $6,456
    Eagle Bank and Trust Company 2 7.06% $5,101
    LOANDEPOT.COM, LLC 2 7.00% $6,081
    Farmers Bank & Trust Company 2 7.06% $2,739
    First Federal Bank 2 7.56% $3,488
    Origin Bank 1 6.63% $1,970
    RUOFF MORTGAGE COMPANY, INC. 1 5.63% $4,943
    TIB The Independent Bankersbank 1 6.75% $8,450
    TOP FLITE FINANCIAL, INC. 1 6.99% $10,006
    GUILD MORTGAGE COMPANY 1 6.13% $3,274
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 7.00% $5,909
    Arvest Bank 1 6.88% $5,571
    CARDINAL FINANCIAL 1 6.38% $13,824
    Century Mortgage Company DBA Century Lending Company 1 7.63% $2,434
    Century Next Bank 1 9.20% $2,521
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.75% $3,798
    FIRST COMMUNITY MORTGAGE, INC. 1 6.88% $4,271
    21ST MORTGAGE CORPORATION 1 9.08% $5,383
    HOMESIDE FINANCIAL, LLC 1 7.50% $3,596
    JPMorgan Chase Bank 1 6.50% $5,536
    MORTGAGE FINANCIAL SERVICES, LLC 1 5.99% $3,572

    El Dorado Average Closing Costs & Other Stats

    El Dorado, AR's 28 lenders originated 412 loans during 2024. The total origination value was $60,170,000, with an average loan value of $146,044.

    El Dorado's average closing costs are $4,260.

    The top El Dorado lender as defined by loan originations is First Financial Bank, with 26 loans originated. Their average total fees are $3,146, which is $2,399 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 ($3,146), HIGHLANDS RESIDENTIAL MORTGAGE, LTD. ($5,545), .

    The lowest rate El Dorado lenders (with over 10 loans originated) are HIGHLANDS RESIDENTIAL MORTGAGE, LTD. (6.95%), First Financial Bank (7.18%), .

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $9,685,000 $12,225,000 26.2% 20.3%
    First Financial Bank $4,455,000 $6,285,000 41.1% 10.4%
    QUICKEN LOANS, LLC $4,550,000 $5,065,000 11.3% 8.4%
    Simmons Bank $2,595,000 $4,595,000 77.1% 7.6%
    BancorpSouth $2,950,000 $3,550,000 20.3% 5.9%
    Southern Bancorp Bank $2,785,000 $2,600,000 -6.6% 4.3%
    UNITED WHOLESALE MORTGAGE, LLC $5,380,000 $2,515,000 -53.3% 4.2%
    Mortgage Research Center, LLC $2,160,000 $1,585,000 -26.6% 2.6%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,760,000 $1,560,000 -11.4% 2.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,525,000 n/a 2.5%
    TRIAD FINANCIAL SERVICES, INC. $1,080,000 $1,195,000 10.6% 2.0%
    21ST MORTGAGE CORPORATION $1,550,000 $1,170,000 -24.5% 1.9%
    Farm Credit Services of Western Arkansas, ACA $880,000 $965,000 9.7% 1.6%
    MORTGAGE FINANCIAL SERVICES, LLC $890,000 n/a 1.5%
    FREEDOM MORTGAGE CORPORATION $805,000 n/a 1.3%
    Farmers Bank & Trust Company $580,000 $775,000 33.6% 1.3%
    AFFORDABLE MORTGAGE ADVISORS, LLC. $545,000 n/a 0.9%
    Wells Fargo Bank $525,000 $510,000 -2.9% 0.8%
    TIB The Independent Bankersbank $495,000 n/a 0.8%
    GUILD MORTGAGE COMPANY $490,000 n/a 0.8%
    Eagle Bank and Trust Company $235,000 $475,000 102.1% 0.8%
    CARDINAL FINANCIAL $445,000 n/a 0.7%
    JPMorgan Chase Bank $385,000 $410,000 6.5% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $380,000 $390,000 2.6% 0.6%
    LOANDEPOT.COM, LLC $495,000 $375,000 -24.2% 0.6%
    COUNTRYPLACE MORTGAGE, LTD. $170,000 $355,000 108.8% 0.6%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $345,000 n/a 0.6%
    VILLAGE CAPITAL MORTGAGE $345,000 n/a 0.6%
    AMERISAVE MORTGAGE CORPORATION $335,000 n/a 0.6%
    First Federal Bank $300,000 n/a 0.5%
    Regions Bank $3,400,000 $290,000 -91.5% 0.5%
    GUARANTEED RATE, INC. $280,000 n/a 0.5%
    Equity Prime Mortgage LLC $180,000 $270,000 50.0% 0.4%
    TOWNE MORTGAGE COMPANY $265,000 n/a 0.4%
    USAA Federal Savings Bank $265,000 n/a 0.4%
    Origin Bank $235,000 $260,000 10.6% 0.4%
    Citizens National Bank, N.A. $255,000 n/a 0.4%
    The Loan Store, Inc. $255,000 n/a 0.4%
    Gateway Bank $1,685,000 $250,000 -85.2% 0.4%
    First Community Bank $245,000 n/a 0.4%
    MORTGAGE INVESTORS GROUP, INC. $245,000 n/a 0.4%
    MOVEMENT MORTGAGE, LLC $225,000 n/a 0.4%
    PLANET HOME LENDING, LLC $225,000 n/a 0.4%
    FIRST COMMUNITY MORTGAGE, INC. $220,000 n/a 0.4%
    PENNYMAC LOAN SERVICES, LLC $495,000 $215,000 -56.6% 0.4%
    Century Mortgage Company DBA Century Lending Company $205,000 n/a 0.3%
    U.S. Bank $205,000 $205,000 0.0% 0.3%
    HOMESIDE FINANCIAL, LLC $195,000 n/a 0.3%
    EVERETT FINANCIAL, INC. $4,490,000 $165,000 -96.3% 0.3%
    TOP FLITE FINANCIAL, INC. $155,000 $165,000 6.5% 0.3%
    CIS Financial Services, Inc. $580,000 $160,000 -72.4% 0.3%
    MID AMERICA MORTGAGE, INC. $160,000 n/a 0.3%
    LAND HOME FINANCIAL SERVICES, INC. $145,000 n/a 0.2%
    Generations Bank $385,000 $135,000 -64.9% 0.2%
    PLAZA HOME MORTGAGE, INC. $135,000 n/a 0.2%
    Discover Bank $115,000 $130,000 13.0% 0.2%
    RED RIVER EMPLOYEES $130,000 n/a 0.2%
    Arvest Bank $285,000 $115,000 -59.6% 0.2%
    NEW DAY FINANCIAL, LLC $310,000 $105,000 -66.1% 0.2%
    SOUTHWEST STAGE FUNDING, LLC $335,000 $105,000 -68.7% 0.2%
    Coastal Community Bank $70,000 $65,000 -7.1% 0.1%
    ROYAL UNITED MORTGAGE LLC $65,000 n/a 0.1%
    RUOFF MORTGAGE COMPANY, INC. $65,000 n/a 0.1%
    Century Next Bank $55,000 $55,000 0.0% 0.1%
    GEORGIA'S OWN $55,000 n/a 0.1%
    FirstTrust Home Loans, Inc. $5,805,000 $45,000 -99.2% 0.1%
    PENTAGON FEDERAL CREDIT UNION $35,000 $45,000 28.6% 0.1%
    Figure Lending LLC $190,000 $35,000 -81.6% 0.1%
    FINANCE OF AMERICA REVERSE LLC $35,000 n/a 0.1%
    American Airlines Federal Credit Union $25,000 n/a 0.0%
    NAVY FEDERAL CREDIT UNION $285,000 $15,000 -94.7% 0.0%

    El Dorado's top lender by overall market share is HIGHLANDS RESIDENTIAL MORTGAGE, LTD., with 20.3% market share. In second place, with 10.4%, is First Financial Bank, having originated $6,285,000 in loans. In third place, with 8.4%, is QUICKEN LOANS, LLC, having originated $5,065,000 in loans. In fourth place, with 7.6%, is Simmons Bank, having originated $4,595,000 in loans. In fifth place, with 5.9%, is BancorpSouth, having originated $3,550,000 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
    2025-03-01 $299,000 (39.4%) $287,048 (12.9%) 0.00 62
    El Dorado's median listing price for 2025-03-01 was $299,000, a difference of $84,550 (39.4%) versus the prior year and $9,250 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 2025-03-01 was $287,048, a difference of $32,755 (12.9%) versus the prior year and $2,097 versus the prior month.

    For the 2025-03-01 period, El Dorado had 62 MLS listings, a difference of -10 listings (-14%) versus the prior month and 6 listings (11%) 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
    2025-03-01 0 days 2,576 sqft
    El Dorado's median listing age (time on market) for 2025-03-01 was 0 days.

    El Dorado's median square footage for active listings during the 2025-03-01 period was 2,576 sqft. One year prior, the average listing was 2,228 sqft.

    El Dorado, AR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 280 $45,380,000 $162,071
    Refi 56 $7,900,000 $141,071
    Cash Out Refi 37 $4,765,000 $128,784
    Other 21 $1,075,000 $51,190
    Home Improvement 18 $1,050,000 $58,333

    El Dorado's most frequently cited loan purpose was Home Purchase, with 280 originations. The 2nd most popular reason was Refi, with 56 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 144 $27,050,000 $187,847
    Over 8% 131 $10,305,000 $78,664
    7-8% 95 $15,405,000 $162,158
    5-6% 29 $5,765,000 $198,793
    <2.5% 3 $345,000 $115,000
    4-5% 2 $340,000 $170,000
    2.5-3% 1 $185,000 $185,000

    During 2024, El Dorado's most frequently originated rate bucket was 6-7%, with 144 originations.

    Loan Sizing (El Dorado, AR MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 171 $9,625,000 $56,287
    $100k-200k 140 $19,900,000 $142,143
    $200k-400k 89 $24,355,000 $273,652
    $400k-600k 9 $4,185,000 $465,000
    $600k-1000k 3 $2,105,000 $701,667

    El Dorado's loan sizing saw the bucket of loans from $100,000 or less with 171 originations, totaling $9,625,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 220 $37,670,000 $171,227
    60-80% 79 $11,695,000 $148,038
    40-60% 34 $4,210,000 $123,824
    20-40% 29 $1,585,000 $54,655
    Under 20% 28 $870,000 $31,071
    Over 100% 9 $1,765,000 $196,111

    El Dorado's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 220 originations, totaling $37,670,000 in origination value.