Harrison Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Harrison averaged
7.05%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.88% and
one month ago for the week of 2025-05-15, the
average rate was 7.15%.
Harrison's average rate one year ago was 6.99%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Harrison 30 Year Fixed Rate | 2025-06-18 | 7.05% |
| Harrison 30 Year Fixed Rate Refi | 2025-06-18 | 7.41% |
| Harrison 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Harrison 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Harrison 30 Year FHA | 2025-06-18 | -0.1% |
| Harrison 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Harrison 30 Year USDA | 2025-06-18 | -0.2% |
| Harrison 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Harrison 30 Year VA | 2025-06-18 | 0.2% |
| Harrison 30 Year VA Refi | 2025-06-18 | -0.1% |
Harrison 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 Harrison, 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.).
Harrison Average Closing Costs & Other Stats
Harrison, AR's 50 lenders originated 917
loans during 2024. The total origination value was $151,645,000, with an average loan value of
$165,371.
Harrison's average closing costs are $4,274.
The top Harrison lender as defined by loan originations is First Community Bank, with
30 loans originated. Their average total fees are
$4,178, which is $530
higher than the next largest lender,
Arvest Bank.
The lowest fee Harrison lenders (with over 10 loans originated) are
Equity Bank ($3,146), Arvest Bank ($3,648), First Community Bank ($4,178), QUICKEN LOANS, LLC ($5,965) and .
The lowest rate Harrison lenders (with over 10 loans originated) are
Equity Bank (6.74%), QUICKEN LOANS, LLC (6.78%), Arvest Bank (6.97%), First Community Bank (7.05%) and .
Harrison, 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 |
|---|---|---|---|---|
| First Community Bank | $8,025,000 | $15,060,000 | 87.7% | 9.9% |
| MID AMERICA MORTGAGE, INC. | $10,825,000 | $13,680,000 | 26.4% | 9.0% |
| Arvest Bank | $9,955,000 | $10,325,000 | 3.7% | 6.8% |
| Anstaff Bank | $11,825,000 | $9,760,000 | -17.5% | 6.4% |
| Cornerstone Bank | $11,520,000 | $9,085,000 | -21.1% | 6.0% |
| Equity Bank | $12,425,000 | $8,315,000 | -33.1% | 5.5% |
| GUILD MORTGAGE COMPANY | $6,980,000 | $7,890,000 | 13.0% | 5.2% |
| First National Bank of North Arkansas | $6,580,000 | $6,595,000 | 0.2% | 4.3% |
| QUICKEN LOANS, LLC | $6,535,000 | $6,575,000 | 0.6% | 4.3% |
| Signature Bank of Arkansas | $5,120,000 | $6,205,000 | 21.2% | 4.1% |
| Mortgage Research Center, LLC | $3,330,000 | $3,835,000 | 15.2% | 2.5% |
| DAS Acquisition Company, LLC | $5,575,000 | $3,055,000 | -45.2% | 2.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $330,000 | $3,025,000 | 816.7% | 2.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,480,000 | n/a | 1.6% | |
| Plains Commerce Bank | $3,570,000 | $2,335,000 | -34.6% | 1.5% |
| Ameris Bank | $885,000 | $2,295,000 | 159.3% | 1.5% |
| Stone Bank | $535,000 | $2,225,000 | 315.9% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $830,000 | $1,920,000 | 131.3% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $820,000 | $1,800,000 | 119.5% | 1.2% |
| Regions Bank | $730,000 | $1,690,000 | 131.5% | 1.1% |
| FLAT BRANCH MORTGAGE, INC. | $865,000 | $1,400,000 | 61.8% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,375,000 | $1,390,000 | 1.1% | 0.9% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $240,000 | $1,335,000 | 456.3% | 0.9% |
| The Central Trust Bank | $1,275,000 | $1,270,000 | -0.4% | 0.8% |
| BancorpSouth | $990,000 | n/a | 0.7% | |
| LOANDEPOT.COM, LLC | $1,080,000 | $990,000 | -8.3% | 0.7% |
| Paramount Residential Mortgage Group, Inc. | $965,000 | n/a | 0.6% | |
| NEW DAY FINANCIAL, LLC | $650,000 | $935,000 | 43.8% | 0.6% |
| 21ST MORTGAGE CORPORATION | $325,000 | $785,000 | 141.5% | 0.5% |
| GMFS LLC | $780,000 | n/a | 0.5% | |
| CROSSCOUNTRY MORTGAGE, LLC | $770,000 | n/a | 0.5% | |
| Bank OZK | $375,000 | $765,000 | 104.0% | 0.5% |
| Wells Fargo Bank | $755,000 | n/a | 0.5% | |
| Citadel Servicing Corporation | $735,000 | n/a | 0.5% | |
| FIRST COMMUNITY | $665,000 | n/a | 0.4% | |
| PNC Bank | $620,000 | n/a | 0.4% | |
| Servion, Inc. | $580,000 | n/a | 0.4% | |
| JPMorgan Chase Bank | $205,000 | $570,000 | 178.0% | 0.4% |
| First Security Bank | $670,000 | $555,000 | -17.2% | 0.4% |
| GUARANTEED RATE, INC. | $135,000 | $550,000 | 307.4% | 0.4% |
| PLANET HOME LENDING, LLC | $235,000 | $520,000 | 121.3% | 0.3% |
| ENCORE BANK | $515,000 | n/a | 0.3% | |
| UNION HOME MORTGAGE CORP. | $855,000 | $465,000 | -45.6% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $610,000 | $455,000 | -25.4% | 0.3% |
| NEWREZ LLC | $1,065,000 | $415,000 | -61.0% | 0.3% |
| ARKANSAS Federal Credit Union | $110,000 | $410,000 | 272.7% | 0.3% |
| U.S. Bank | $380,000 | $410,000 | 7.9% | 0.3% |
| DELMAR FINANCIAL COMPANY | $405,000 | n/a | 0.3% | |
| Equity Prime Mortgage LLC | $395,000 | n/a | 0.3% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $390,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $1,130,000 | $385,000 | -65.9% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $945,000 | $385,000 | -59.3% | 0.3% |
| Bank of America | $530,000 | $375,000 | -29.2% | 0.2% |
| Deere Employees Credit Union | $370,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $275,000 | $365,000 | 32.7% | 0.2% |
| Oakstar Bank | $360,000 | n/a | 0.2% | |
| FNBC Bank | $355,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $690,000 | $350,000 | -49.3% | 0.2% |
| Generations Bank | $345,000 | n/a | 0.2% | |
| GUARANTEED RATE AFFINITY, LLC | $345,000 | n/a | 0.2% | |
| SUN WEST MORTGAGE COMPANY, INC. | $340,000 | n/a | 0.2% | |
| GERSHMAN INVESTMENT CORP. | $785,000 | $320,000 | -59.2% | 0.2% |
| BOKF | $315,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $290,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $1,590,000 | $290,000 | -81.8% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $285,000 | n/a | 0.2% | |
| Figure Lending LLC | $115,000 | $285,000 | 147.8% | 0.2% |
| TruHome Solutions, LLC | $285,000 | n/a | 0.2% | |
| Great Southern Bank | $50,000 | $280,000 | 460.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $280,000 | $280,000 | 0.0% | 0.2% |
| Truist | $275,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $265,000 | n/a | 0.2% | |
| Discover Bank | $120,000 | $260,000 | 116.7% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $245,000 | n/a | 0.2% | |
| NBKC BANK | $245,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $610,000 | $230,000 | -62.3% | 0.2% |
| Gateway First Bank | $345,000 | $230,000 | -33.3% | 0.2% |
| MYCUMORTGAGE, LLC | $225,000 | n/a | 0.1% | |
| HEARTLAND | $205,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $785,000 | $205,000 | -73.9% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $510,000 | $200,000 | -60.8% | 0.1% |
| The First National Bank of Fort Smith | $450,000 | $195,000 | -56.7% | 0.1% |
| Southern Bancorp Bank | $185,000 | n/a | 0.1% | |
| Bank of England | $245,000 | $165,000 | -32.7% | 0.1% |
| OCMBC, INC. | $165,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $255,000 | $165,000 | -35.3% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $155,000 | n/a | 0.1% | |
| The Federal Savings Bank | $155,000 | $145,000 | -6.5% | 0.1% |
| The Citizens Bank | $135,000 | n/a | 0.1% | |
| Centennial Bank | $260,000 | $115,000 | -55.8% | 0.1% |
| First National Bank of America | $115,000 | n/a | 0.1% | |
| RESIDENTIAL BANCORP | $115,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $305,000 | $115,000 | -62.3% | 0.1% |
| CIS Financial Services, Inc. | $95,000 | n/a | 0.1% | |
| Farmers Bank & Trust Company | $95,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $510,000 | $85,000 | -83.3% | 0.1% |
| NexBank | $65,000 | n/a | 0.0% | |
| Coastal Community Bank | $205,000 | $60,000 | -70.7% | 0.0% |
Harrison's top lender by overall market share is First Community Bank, with 9.9% market share. In second place, with 9.0%, is MID AMERICA MORTGAGE, INC., having originated $13,680,000 in loans. In third place, with 6.8%, is Arvest Bank, having originated $10,325,000 in loans. In fourth place, with 6.4%, is Anstaff Bank, having originated $9,760,000 in loans. In fifth place, with 6.0%, is Cornerstone Bank, having originated $9,085,000 in loans.
Harrison, AR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 483 | $92,775,000 | $192,081 |
| Refi | 169 | $31,995,000 | $189,320 |
| Cash Out Refi | 116 | $17,780,000 | $153,276 |
| Home Improvement | 76 | $4,830,000 | $63,553 |
| Other | 73 | $4,265,000 | $58,425 |
Harrison's most frequently cited loan purpose was Home Purchase, with 483 originations. The 2nd most popular reason was Refi, with 169 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 305 | $59,395,000 | $194,738 |
| Over 8% | 159 | $16,665,000 | $104,811 |
| 7-8% | 116 | $20,690,000 | $178,362 |
| 5-6% | 98 | $18,430,000 | $188,061 |
| 4-5% | 17 | $2,025,000 | $119,118 |
During 2024, Harrison's most frequently originated rate bucket was 6-7%, with 305 originations.
Loan Sizing (Harrison, AR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 358 | $52,780,000 | $147,430 |
| $100,000 or less | 293 | $16,815,000 | $57,389 |
| $200k-400k | 228 | $61,660,000 | $270,439 |
| $400k-600k | 32 | $15,050,000 | $470,313 |
| $600k-1000k | 5 | $4,015,000 | $803,000 |
| $Over $1MM | 1 | $1,325,000 | $1,325,000 |
Harrison's loan sizing saw the bucket of loans from $100k-200k with 358 originations, totaling $52,780,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 296 | $63,910,000 | $215,912 |
| 60-80% | 135 | $24,125,000 | $178,704 |
| 40-60% | 91 | $13,325,000 | $146,429 |
| 20-40% | 80 | $7,000,000 | $87,500 |
| Under 20% | 69 | $3,155,000 | $45,725 |
| Over 100% | 13 | $3,555,000 | $273,462 |
Harrison's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 296 originations, totaling $63,910,000 in origination value.