Helena - West Helena Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Helena - West Helena averaged
6.61%
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
6.94% and
one month ago for the week of 2025-05-15, the
average rate was 6.81%.
Helena - West Helena's average rate one year ago was 6.95%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Helena - West Helena 30 Year Fixed Rate | 2025-06-18 | 6.61% |
| Helena - West Helena 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Helena - West Helena 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Helena - West Helena 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Helena - West Helena 30 Year FHA | 2025-06-18 | -0.2% |
| Helena - West Helena 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Helena - West Helena 30 Year USDA | 2025-06-18 | 0% |
| Helena - West Helena 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Helena - West Helena 30 Year VA | 2025-06-18 | 0% |
| Helena - West Helena 30 Year VA Refi | 2025-06-18 | 0.1% |
Helena - West Helena 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 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 | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Renasant Bank | 3 | 6.83% | $3,977 |
| BancorpSouth | 1 | 6.88% | $3,708 |
| COMMUNITY MORTGAGE CORPORATION | 1 | 6.99% | $6,813 |
| DAS Acquisition Company, LLC | 1 | 7.63% | $3,892 |
| First Community Bank | 1 | 6.38% | $3,329 |
| LOANDEPOT.COM, LLC | 1 | 6.75% | $6,129 |
| Merchants Bank of Indiana | 1 | 6.63% | $2,295 |
| MORTGAGE FINANCIAL SERVICES, LLC | 1 | 6.88% | $4,649 |
| ROYAL UNITED MORTGAGE LLC | 1 | 7.50% | $4,254 |
| SIRVA MORTGAGE, INC. | 1 | 6.88% | $0 |
| ARKANSAS Federal Credit Union | 1 | 6.25% | $3,012 |
| T2 FINANCIAL LLC | 1 | 7.50% | $5,986 |
Helena - West Helena Average Closing Costs & Other Stats
Helena-West Helena, AR's 12 lenders originated 86
loans during 2024. The total origination value was $9,730,000, with an average loan value of
$113,140.
Helena - West Helena's average closing costs are $4,190.
The top Helena - West Helena lender as defined by loan originations is Renasant Bank, with
3 loans originated. Their average total fees are
$3,977, which is $269
higher than the next largest lender,
BancorpSouth.
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 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 |
|---|---|---|---|---|
| Renasant Bank | $245,000 | $960,000 | 291.8% | 9.9% |
| Southern Bancorp Bank | $1,985,000 | $840,000 | -57.7% | 8.6% |
| First Community Bank | $560,000 | $665,000 | 18.8% | 6.8% |
| QUICKEN LOANS, LLC | $1,130,000 | $645,000 | -42.9% | 6.6% |
| 21ST MORTGAGE CORPORATION | $325,000 | $635,000 | 95.4% | 6.5% |
| ARKANSAS Federal Credit Union | $205,000 | $450,000 | 119.5% | 4.6% |
| DAS Acquisition Company, LLC | $340,000 | n/a | 3.5% | |
| Nations Lending Corporation | $335,000 | n/a | 3.4% | |
| COMMUNITY MORTGAGE CORPORATION | $185,000 | $325,000 | 75.7% | 3.3% |
| Wells Fargo Bank | $65,000 | $305,000 | 369.2% | 3.1% |
| Farm Credit Mid-America, ACA | $275,000 | n/a | 2.8% | |
| MID AMERICA MORTGAGE, INC. | $265,000 | n/a | 2.7% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $360,000 | $240,000 | -33.3% | 2.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $240,000 | n/a | 2.5% | |
| FIRST COMMUNITY MORTGAGE, INC. | $230,000 | $215,000 | -6.5% | 2.2% |
| SIRVA MORTGAGE, INC. | $205,000 | n/a | 2.1% | |
| LOANDEPOT.COM, LLC | $180,000 | $190,000 | 5.6% | 2.0% |
| Merchants Bank of Indiana | $180,000 | n/a | 1.8% | |
| BancorpSouth | $165,000 | n/a | 1.7% | |
| MORTGAGE INVESTORS GROUP, INC. | $155,000 | n/a | 1.6% | |
| PILGRIM MORTGAGE LLC | $300,000 | $145,000 | -51.7% | 1.5% |
| USAA Federal Savings Bank | $125,000 | n/a | 1.3% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $105,000 | n/a | 1.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $235,000 | $105,000 | -55.3% | 1.1% |
| NEW DAY FINANCIAL, LLC | $95,000 | n/a | 1.0% | |
| T2 FINANCIAL LLC | $95,000 | n/a | 1.0% | |
| Mortgage Research Center, LLC | $250,000 | $85,000 | -66.0% | 0.9% |
| Arvest Bank | $75,000 | n/a | 0.8% | |
| FREEDOM MORTGAGE CORPORATION | $65,000 | n/a | 0.7% | |
| Mr. Cooper ( Nationstar Mortgage ) | $185,000 | $55,000 | -70.3% | 0.6% |
| First Security Bank | $35,000 | n/a | 0.4% | |
| ROYAL UNITED MORTGAGE LLC | $35,000 | n/a | 0.4% | |
| Stone Bank | $35,000 | n/a | 0.4% |
Helena - West Helena's top lender by overall market share is Renasant Bank, with 9.9% market share. In second place, with 8.6%, is Southern Bancorp Bank, having originated $840,000 in loans. In third place, with 6.8%, is First Community Bank, having originated $665,000 in loans. In fourth place, with 6.6%, is QUICKEN LOANS, LLC, having originated $645,000 in loans. In fifth place, with 6.5%, is 21ST MORTGAGE CORPORATION, having originated $635,000 in loans.
Helena-West Helena, AR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 63 | $8,015,000 | $127,222 |
| Refi | 8 | $600,000 | $75,000 |
| Home Improvement | 5 | $225,000 | $45,000 |
| Other | 5 | $205,000 | $41,000 |
| Cash Out Refi | 5 | $685,000 | $137,000 |
Helena - West Helena's most frequently cited loan purpose was Home Purchase, with 63 originations. The 2nd most popular reason was Refi, with 8 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 27 | $3,495,000 | $129,444 |
| Over 8% | 22 | $1,740,000 | $79,091 |
| 7-8% | 15 | $1,965,000 | $131,000 |
| 5-6% | 12 | $1,570,000 | $130,833 |
| <2.5% | 1 | $65,000 | $65,000 |
During 2024, Helena - West Helena's most frequently originated rate bucket was 6-7%, with 27 originations.
Loan Sizing (Helena-West Helena, AR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 44 | $2,710,000 | $61,591 |
| $100k-200k | 29 | $3,785,000 | $130,517 |
| $200k-400k | 13 | $3,235,000 | $248,846 |
Helena - West Helena's loan sizing saw the bucket of loans from $100,000 or less with 44 originations, totaling $2,710,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 48 | $6,470,000 | $134,792 |
| 60-80% | 11 | $1,405,000 | $127,727 |
| 40-60% | 8 | $470,000 | $58,750 |
| 20-40% | 7 | $285,000 | $40,714 |
| Over 100% | 1 | $135,000 | $135,000 |
| Under 20% | 1 | $5,000 | $5,000 |
Helena - West Helena's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 48 originations, totaling $6,470,000 in origination value.