Helena - West Helena Mortgage Rates

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

30 Year Fixed Rate mortgages in Helena - West Helena averaged 6.93% 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 7.04% and one month ago for the week of 2022-05-26, the average rate was 6.03%.

Helena - West Helena's average rate one year ago was 3.19%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.2%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Helena - West Helena 30 Year Fixed Rate 2022-06-30 6.93%
Helena - West Helena 30 Year Fixed Rate Refi 2022-06-30 6.2%
Helena - West Helena 15 Year Fixed Rate 2022-06-30 2.84%
Helena - West Helena 15 Year Fixed Rate Refi 2022-06-30 2.7%
Helena - West Helena 30 Year FHA 2022-06-30 5.72%
Helena - West Helena 30 Year FHA Refi 2022-06-30 5.57%
Helena - West Helena 30 Year USDA 2022-06-30 5.72%
Helena - West Helena 30 Year VA 2022-06-30 3.61%
Helena - West Helena 30 Year VA Refi 2022-06-30 5.46%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Helena-West Helena, AR.

Helena - West Helena 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 Helena-West Helena, 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
Renasant Bank 4 3.25% $2,945
QUICKEN LOANS, LLC 3 3.62% $5,741
Centennial Bank 2 4.00% $2,949
DAS Acquisition Company, LLC 1 3.38% $2,057
Eagle Bank and Trust Company 1 2.88% $6,446
AMCAP MORTGAGE, LTD. 1 3.25% $2,602
First Horizon Bank 1 3.13% $2,188
FirstTrust Home Loans, Inc. 1 3.75% $3,233
MORTGAGE FINANCIAL SERVICES, LLC 1 2.88% $2,686
NAVY FEDERAL CREDIT UNION 1 3.50% $1,294
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.50% $7,494
Bank of America 1 3.13% $2,426
CALIBER HOME LOANS, INC. 1 3.15% $3,891

Helena-West Helena, AR's 13 lenders originated 142 loans during 2021. The total origination value was $13,720,000, with an average loan value of $96,620.

The top Helena - West Helena lender as defined by loan originations is Renasant Bank, with 4 loans originated. Their average total fees are $2,945, which is $2,796 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Helena - West Helena lenders (with over 10 loans originated) are .

The lowest rate Helena - West Helena lenders (with over 10 loans originated) are .

Helena-West Helena, 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
Southern Bancorp Bank $2,675,000 $2,905,000 8.6% 21.2%
QUICKEN LOANS, LLC $1,435,000 $1,915,000 33.4% 14.0%
Renasant Bank $475,000 $970,000 104.2% 7.1%
Centennial Bank $695,000 $885,000 27.3% 6.5%
FirstTrust Home Loans, Inc. $85,000 $620,000 629.4% 4.5%
FIRST COMMUNITY MORTGAGE, INC. $420,000 $600,000 42.9% 4.4%
FREEDOM MORTGAGE CORPORATION $380,000 $495,000 30.3% 3.6%
MORTGAGE FINANCIAL SERVICES, LLC $395,000 n/a 2.9%
LOANDEPOT.COM, LLC $185,000 $350,000 89.2% 2.6%
FLAT BRANCH MORTGAGE, INC. $85,000 $325,000 282.4% 2.4%
21ST MORTGAGE CORPORATION $265,000 $295,000 11.3% 2.2%
Eagle Bank and Trust Company $105,000 $265,000 152.4% 1.9%
DAS Acquisition Company, LLC $260,000 n/a 1.9%
SUN WEST MORTGAGE COMPANY, INC. $260,000 n/a 1.9%
JPMorgan Chase Bank $55,000 $255,000 363.6% 1.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $235,000 n/a 1.7%
Bank of England $205,000 n/a 1.5%
Simmons Bank $115,000 $200,000 73.9% 1.5%
VANDERBILT MORTGAGE AND FINANCE, INC. $65,000 $190,000 192.3% 1.4%
Mortgage Research Center, LLC $185,000 n/a 1.3%
Carrington Mortgage Services, LLC $115,000 $175,000 52.2% 1.3%
CLEARPATH LENDING $175,000 n/a 1.3%
TRIAD FINANCIAL SERVICES, INC. $155,000 n/a 1.1%
Wells Fargo Bank $55,000 $155,000 181.8% 1.1%
First Horizon Bank $135,000 n/a 1.0%
NEWREZ LLC $135,000 n/a 1.0%
UNITED WHOLESALE MORTGAGE, LLC $125,000 n/a 0.9%
PLANET HOME LENDING, LLC $115,000 n/a 0.8%
Bank of America $185,000 $105,000 -43.2% 0.8%
CSL Financial, LLC $105,000 n/a 0.8%
CALIBER HOME LOANS, INC. $135,000 $85,000 -37.0% 0.6%
COMMUNITY MORTGAGE CORPORATION $240,000 $85,000 -64.6% 0.6%
NAVY FEDERAL CREDIT UNION $75,000 n/a 0.5%
PRIMARY RESIDENTIAL MORTGAGE, INC. $65,000 n/a 0.5%
VILLAGE CAPITAL & INVESTMENT LLC $65,000 n/a 0.5%
AMCAP MORTGAGE, LTD. $55,000 n/a 0.4%
ARKANSAS Federal Credit Union $50,000 n/a 0.4%
BROKER SOLUTIONS, INC. $35,000 n/a 0.3%
Figure Lending LLC $15,000 n/a 0.1%

Helena - West Helena's top lender by overall market share is Southern Bancorp Bank, with 21.2% market share. In second place, with 14.0%, is QUICKEN LOANS, LLC, having originated $1,915,000 in loans. In third place, with 7.1%, is Renasant Bank, having originated $970,000 in loans. In third place, with 6.5%, is Centennial Bank, having originated $885,000 in loans. In third place, with 4.5%, is FirstTrust Home Loans, Inc., having originated $620,000 in loans.


Helena-West Helena, AR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 70 $6,910,000 $98,714
Refi 51 $4,855,000 $95,196
Cash Out Refi 12 $1,600,000 $133,333
Home Improvement 8 $340,000 $42,500
Other 1 $15,000 $15,000

Helena - West Helena's most frequently cited loan purpose was Home Purchase, with 70 originations. The 2nd most popular reason was Refi, with 51 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 42 $4,770,000 $113,571
2.5-3% 37 $4,135,000 $111,757
<2.5% 29 $2,765,000 $95,345
4-5% 16 $780,000 $48,750
5-6% 10 $590,000 $59,000
6-7% 4 $370,000 $92,500
7-8% 3 $215,000 $71,667
Over 8% 1 $95,000 $95,000

During 2021, Helena - West Helena's most frequently originated rate bucket was 3-4%, with 42 originations.

Loan Sizing (Helena-West Helena, AR MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 81 $4,375,000 $54,012
$100k-200k 53 $7,365,000 $138,962
$200k-400k 8 $1,980,000 $247,500

Helena - West Helena's loan sizing saw the bucket of loans from $100,000 or less with 81 originations, totaling $4,375,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 62 $7,550,000 $121,774
60-80% 45 $4,105,000 $91,222
40-60% 14 $930,000 $66,429
20-40% 9 $215,000 $23,889
Under 20% 5 $35,000 $7,000
Over 100% 1 $105,000 $105,000

Helena - West Helena's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 62 originations, totaling $7,550,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Helena - West Helena (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 $49,500 (-34.0%) $65,865 (-19.1%) 0.00 17
2018-02-01 $45,000 (-23.6%) $63,482 (-14.5%) 0.00 17
2018-03-01 $39,900 (-38.6%) $51,518 (-30.6%) 0.00 19
2018-04-01 $52,560 (-9.4%) $50,923 (-40.4%) 0.00 19
2018-05-01 $52,560 (-33.5%) $48,568 (-53.5%) 0.00 17
2018-06-01 $50,000 (-50.0%) $51,647 (-55.7%) 0.00 16
2018-07-01 $45,000 (-43.0%) $49,235 (-51.5%) 0.00 19
2018-08-01 $27,450 (-57.1%) $39,611 (-54.5%) 0.00 21
2018-09-01 $25,000 (-58.3%) $33,098 (-55.9%) 0.00 19
2018-10-01 $25,000 (-49.9%) $29,222 (-55.2%) 0.00 15
2018-11-01 $24,900 (-54.7%) $38,747 (-38.0%) 0.00 14
2018-12-01 $40,000 (-19.2%) $54,810 (-5.4%) 0.00 15
2019-01-01 $20,000 (-59.6%) $48,669 (-26.1%) 0.00 16
2019-02-01 $40,000 (-11.1%) $50,734 (-20.1%) 0.00 14
2019-03-01 $48,571 (21.7%) $58,639 (13.8%) 0.00 14
2019-04-01 $59,900 (14.0%) $67,434 (32.4%) 0.00 18
2019-05-01 $51,960 (-1.1%) $96,440 (98.6%) 0.00 15
2019-06-01 $49,900 (-0.2%) $89,535 (73.4%) 0.00 14
2019-07-01 $49,900 (10.9%) $92,334 (87.5%) 0.00 12
2019-08-01 $59,571 (117.0%) $103,936 (162.4%) 0.00 13
2019-09-01 $59,571 (138.3%) $103,879 (213.9%) 0.00 12
2019-10-01 $65,000 (160.0%) $128,928 (341.2%) 0.00 12
2019-11-01 $59,000 (137.0%) $56,172 (45.0%) 0.00 16
2019-12-01 $62,500 (56.3%) $60,979 (11.3%) 0.00 14
2020-01-01 $61,250 (206.3%) $64,665 (32.9%) 0.00 14
2020-02-01 $58,900 (47.3%) $115,578 (127.8%) 0.00 15
2020-03-01 $53,950 (11.1%) $72,316 (23.3%) 0.00 13
2020-04-01 $79,000 (31.9%) $118,704 (76.0%) 0.00 12
2020-05-01 $79,000 (52.0%) $124,700 (29.3%) 0.00 9
2020-06-01 $79,000 (58.3%) $117,221 (30.9%) 0.00 11
2020-07-01 $45,000 (-9.8%) $89,678 (-2.9%) 0.00 17
2020-08-01 $30,000 (-49.6%) $55,868 (-46.3%) 0.00 22
2020-09-01 $59,000 (-1.0%) $59,659 (-42.6%) 0.00 25
2020-10-01 $30,000 (-53.9%) $55,673 (-56.8%) 0.00 23
2020-11-01 $42,000 (-28.8%) $60,528 (7.8%) 0.00 23
2020-12-01 $50,200 (-19.7%) $60,323 (-1.1%) 0.00 21
2021-01-01 $54,900 (-10.4%) $61,548 (-4.8%) 0.00 20
2021-02-01 $45,200 (-23.3%) $62,560 (-45.9%) 0.00 19
2021-03-01 $42,000 (-22.2%) $68,013 (-6.0%) 0.00 19
2021-04-01 $38,000 (-51.9%) $68,741 (-42.1%) 0.00 17
2021-05-01 $35,000 (-55.7%) $79,895 (-35.9%) 0.00 19
2021-06-01 $30,000 (-62.0%) $79,319 (-32.3%) 0.00 18
2021-07-01 $30,000 (-33.3%) $85,368 (-4.8%) 0.00 18
2021-08-01 $30,000 (0.0%) $88,787 (58.9%) 0.00 18
2021-09-01 $62,500 (5.9%) $82,809 (38.8%) 0.00 22
2021-10-01 $59,900 (99.7%) $78,756 (41.5%) 0.00 33
2021-11-01 $48,000 (14.3%) $76,814 (26.9%) 0.00 34
2021-12-01 $55,000 (9.6%) $95,230 (57.9%) 0.00 32
2022-01-01 $54,000 (-1.6%) $92,521 (50.3%) 0.00 33
2022-02-01 $54,000 (19.5%) $103,160 (64.9%) 0.00 34
2022-03-01 $54,000 (28.6%) $105,270 (54.8%) 0.00 29
2022-04-01 $58,250 (53.3%) $114,429 (66.5%) 0.00 22
2022-05-01 $54,000 (54.3%) $96,787 (21.1%) 0.00 22
2022-06-01 $70,000 (133.3%) $128,420 (61.9%) 0.00 31
Helena - West Helena's median listing price for 2022-06-01 was $70,000, a difference of $40,000 (133.3%) versus the prior year and $16,000 versus the prior month.

Helena - West Helena's median listing price comes in at 0% of the national average.

Helena - West Helena's average listing price for 2022-06-01 was $128,420, a difference of $49,101 (61.9%) versus the prior year and $31,633 versus the prior month.

For the 2022-06-01 period, Helena - West Helena had 31 MLS listings, a difference of 9 listings (41%) versus the prior month and 13 listings (72%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Helena - West Helena (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,868 sqft
2018-02-01 0 days 1,864 sqft
2018-03-01 0 days 1,824 sqft
2018-04-01 0 days 1,864 sqft
2018-05-01 0 days 1,864 sqft
2018-06-01 0 days 1,824 sqft
2018-07-01 0 days 1,790 sqft
2018-08-01 0 days 1,810 sqft
2018-09-01 0 days 1,711 sqft
2018-10-01 0 days 1,639 sqft
2018-11-01 0 days 1,713 sqft
2018-12-01 0 days 1,715 sqft
2019-01-01 0 days 1,715 sqft
2019-02-01 0 days 1,713 sqft
2019-03-01 0 days 1,778 sqft
2019-04-01 0 days 1,850 sqft
2019-05-01 0 days 1,801 sqft
2019-06-01 0 days 1,804 sqft
2019-07-01 0 days 1,774 sqft
2019-08-01 0 days 1,771 sqft
2019-09-01 0 days 1,824 sqft
2019-10-01 0 days 1,850 sqft
2019-11-01 0 days 1,772 sqft
2019-12-01 0 days 1,766 sqft
2020-01-01 0 days 1,772 sqft
2020-02-01 0 days 1,772 sqft
2020-03-01 0 days 1,975 sqft
2020-04-01 0 days 2,086 sqft
2020-05-01 0 days 2,337 sqft
2020-06-01 0 days 2,191 sqft
2020-07-01 0 days 1,827 sqft
2020-08-01 0 days 1,568 sqft
2020-09-01 0 days 1,653 sqft
2020-10-01 0 days 1,564 sqft
2020-11-01 0 days 1,564 sqft
2020-12-01 0 days 1,536 sqft
2021-01-01 0 days 1,564 sqft
2021-02-01 0 days 1,536 sqft
2021-03-01 0 days 1,508 sqft
2021-04-01 0 days 1,508 sqft
2021-05-01 0 days 1,457 sqft
2021-06-01 0 days 1,457 sqft
2021-07-01 0 days 1,483 sqft
2021-08-01 0 days 1,564 sqft
2021-09-01 0 days 1,508 sqft
2021-10-01 0 days 1,500 sqft
2021-11-01 0 days 1,500 sqft
2021-12-01 0 days 1,508 sqft
2022-01-01 0 days 1,508 sqft
2022-02-01 0 days 1,508 sqft
2022-03-01 0 days 1,508 sqft
2022-04-01 0 days 1,508 sqft
2022-05-01 0 days 1,508 sqft
2022-06-01 0 days 1,579 sqft
Helena - West Helena's median listing age (time on market) for 2022-06-01 was 0 days.

Helena - West Helena's median square footage for active listings during the 2022-06-01 period was 1,579 sqft. One year prior, the average listing was 1,457 sqft.