HOT SPRINGS Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Hot Springs averaged
7.19%
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
7.02% and
one month ago for the week of 2025-05-15, the
average rate was 7.19%.
Hot Springs's average rate one year ago was 7.13%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.35%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Hot Springs 30 Year Fixed Rate | 2025-06-18 | 7.19% |
| Hot Springs 30 Year Fixed Rate Refi | 2025-06-18 | 7.35% |
| Hot Springs 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Hot Springs 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Hot Springs 30 Year FHA | 2025-06-18 | 0.21% |
| Hot Springs 30 Year FHA Refi | 2025-06-18 | 0% |
| Hot Springs 30 Year USDA | 2025-06-18 | -0.1% |
| Hot Springs 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Hot Springs 30 Year VA | 2025-06-18 | 0.27% |
| Hot Springs 30 Year VA Refi | 2025-06-18 | -0.2% |
HOT SPRINGS 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 HOT SPRINGS, 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.).
HOT SPRINGS Average Closing Costs & Other Stats
HOT SPRINGS, AR's 116 lenders originated 2,115
loans during 2024. The total origination value was $440,645,000, with an average loan value of
$208,343.
HOT SPRINGS's average closing costs are $4,290.
The top HOT SPRINGS lender as defined by loan originations is QUICKEN LOANS, LLC, with
61 loans originated. Their average total fees are
$7,468, which is $2,959
higher than the next largest lender,
SWBC MORTGAGE CORPORATION.
The lowest fee HOT SPRINGS lenders (with over 10 loans originated) are
ENCORE BANK ($3,203), First Security Bank ($3,307), Arvest Bank ($3,313), U.S. Bank ($3,513) and ARKANSAS Federal Credit Union ($4,182).
The lowest rate HOT SPRINGS lenders (with over 10 loans originated) are
Wells Fargo Bank (6.54%), ARKANSAS Federal Credit Union (6.56%), SWBC MORTGAGE CORPORATION (6.61%), COMMUNITY MORTGAGE CORPORATION (6.61%) and PENNYMAC LOAN SERVICES, LLC (6.64%).
HOT SPRINGS, 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 |
|---|---|---|---|---|
| Arvest Bank | $36,900,000 | $27,205,000 | -26.3% | 6.2% |
| QUICKEN LOANS, LLC | $18,840,000 | $26,745,000 | 42.0% | 6.1% |
| SWBC MORTGAGE CORPORATION | $22,315,000 | $26,015,000 | 16.6% | 5.9% |
| Southern Bancorp Bank | $11,505,000 | $19,720,000 | 71.4% | 4.5% |
| ARKANSAS Federal Credit Union | $10,750,000 | $16,030,000 | 49.1% | 3.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $18,725,000 | $14,960,000 | -20.1% | 3.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $14,945,000 | $14,705,000 | -1.6% | 3.3% |
| First Security Bank | $9,435,000 | $13,265,000 | 40.6% | 3.0% |
| First Service Bank | $4,095,000 | $11,940,000 | 191.6% | 2.7% |
| Mortgage Research Center, LLC | $7,260,000 | $11,385,000 | 56.8% | 2.6% |
| Regions Bank | $15,470,000 | $11,235,000 | -27.4% | 2.5% |
| BancorpSouth | $4,025,000 | $9,530,000 | 136.8% | 2.2% |
| U.S. Bank | $6,495,000 | $9,195,000 | 41.6% | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | $3,135,000 | $8,170,000 | 160.6% | 1.9% |
| ENCORE BANK | $9,240,000 | $7,990,000 | -13.5% | 1.8% |
| Simmons Bank | $10,560,000 | $6,110,000 | -42.1% | 1.4% |
| Bank OZK | $1,615,000 | $6,085,000 | 276.8% | 1.4% |
| Diamond Bank | $5,120,000 | $5,600,000 | 9.4% | 1.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $3,715,000 | $5,335,000 | 43.6% | 1.2% |
| Relyance Bank | $8,580,000 | $5,080,000 | -40.8% | 1.2% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $2,565,000 | $4,790,000 | 86.7% | 1.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,305,000 | $4,610,000 | 39.5% | 1.0% |
| American Mortgage & Equity Consultants, Inc. | $4,495,000 | n/a | 1.0% | |
| COMMUNITY MORTGAGE CORPORATION | $4,660,000 | $4,290,000 | -7.9% | 1.0% |
| JPMorgan Chase Bank | $3,695,000 | $4,165,000 | 12.7% | 0.9% |
| FLAT BRANCH MORTGAGE, INC. | $3,740,000 | $4,040,000 | 8.0% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $2,435,000 | $4,035,000 | 65.7% | 0.9% |
| Wells Fargo Bank | $745,000 | $3,900,000 | 423.5% | 0.9% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $3,525,000 | $3,750,000 | 6.4% | 0.9% |
| GMFS LLC | $2,250,000 | $3,695,000 | 64.2% | 0.8% |
| The Citizens Bank | $995,000 | $3,615,000 | 263.3% | 0.8% |
| NEWREZ LLC | $1,920,000 | $3,590,000 | 87.0% | 0.8% |
| Eagle Bank and Trust Company | $3,435,000 | $3,085,000 | -10.2% | 0.7% |
| Chambers Bank | $6,190,000 | $2,845,000 | -54.0% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,405,000 | $2,665,000 | 10.8% | 0.6% |
| First Horizon Bank | $1,310,000 | $2,510,000 | 91.6% | 0.6% |
| MERCHANTS & FARMERS BANK | $470,000 | $2,365,000 | 403.2% | 0.5% |
| 21ST MORTGAGE CORPORATION | $1,670,000 | $2,320,000 | 38.9% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,345,000 | $2,155,000 | 60.2% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $2,735,000 | $2,125,000 | -22.3% | 0.5% |
| HOMESIDE FINANCIAL, LLC | $465,000 | $2,110,000 | 353.8% | 0.5% |
| Home State Bank | $2,065,000 | n/a | 0.5% | |
| CARTER FEDERAL CREDIT UNION | $2,040,000 | n/a | 0.5% | |
| State Bank of De Kalb | $450,000 | $2,030,000 | 351.1% | 0.5% |
| BROKER SOLUTIONS, INC. | $880,000 | $1,955,000 | 122.2% | 0.4% |
| Stone Bank | $725,000 | $1,955,000 | 169.7% | 0.4% |
| LOANDEPOT.COM, LLC | $1,120,000 | $1,940,000 | 73.2% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,315,000 | $1,940,000 | -16.2% | 0.4% |
| Malvern National Bank | $1,930,000 | $1,875,000 | -2.8% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,140,000 | $1,860,000 | 63.2% | 0.4% |
| ZILLOW HOME LOANS, LLC | $360,000 | $1,805,000 | 401.4% | 0.4% |
| Bank of England | $2,100,000 | $1,760,000 | -16.2% | 0.4% |
| Carrington Mortgage Services, LLC | $595,000 | $1,760,000 | 195.8% | 0.4% |
| USAA Federal Savings Bank | $2,395,000 | $1,760,000 | -26.5% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $2,245,000 | $1,750,000 | -22.0% | 0.4% |
| First Community Bank | $2,190,000 | $1,720,000 | -21.5% | 0.4% |
| First State Bank | $1,515,000 | n/a | 0.3% | |
| GUILD MORTGAGE COMPANY | $125,000 | $1,510,000 | 1,108.0% | 0.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | $455,000 | $1,475,000 | 224.2% | 0.3% |
| CLEARPATH LENDING | $600,000 | $1,365,000 | 127.5% | 0.3% |
| Centennial Bank | $505,000 | $1,355,000 | 168.3% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $1,525,000 | $1,355,000 | -11.1% | 0.3% |
| BECKAM FUNDING CORP. | $1,320,000 | n/a | 0.3% | |
| Morgan Stanley Private Bank | $930,000 | $1,275,000 | 37.1% | 0.3% |
| MORTGAGE INVESTORS GROUP, INC. | $350,000 | $1,210,000 | 245.7% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $975,000 | $1,195,000 | 22.6% | 0.3% |
| TOP FLITE FINANCIAL, INC. | $1,955,000 | $1,175,000 | -39.9% | 0.3% |
| Figure Lending LLC | $380,000 | $1,100,000 | 189.5% | 0.2% |
| Farmers Bank & Trust Company | $385,000 | $1,095,000 | 184.4% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $1,235,000 | $1,095,000 | -11.3% | 0.2% |
| Discover Bank | $815,000 | $1,080,000 | 32.5% | 0.2% |
| Citizens Bank | $7,530,000 | $1,040,000 | -86.2% | 0.2% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $2,060,000 | $1,005,000 | -51.2% | 0.2% |
| Citadel Servicing Corporation | $275,000 | $1,005,000 | 265.5% | 0.2% |
| EASTMAN | $225,000 | $995,000 | 342.2% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $615,000 | $990,000 | 61.0% | 0.2% |
| b1BANK | $985,000 | n/a | 0.2% | |
| TRIAD FINANCIAL SERVICES, INC. | $540,000 | $980,000 | 81.5% | 0.2% |
| Bank of America | $1,475,000 | $865,000 | -41.4% | 0.2% |
| CMG MORTGAGE, INC. | $1,645,000 | $865,000 | -47.4% | 0.2% |
| Farm Credit Services of Western Arkansas, ACA | $945,000 | $855,000 | -9.5% | 0.2% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $700,000 | $850,000 | 21.4% | 0.2% |
| Raymond James Bank | $845,000 | n/a | 0.2% | |
| STOCKTON MORTGAGE CORPORATION | $750,000 | $820,000 | 9.3% | 0.2% |
| RED RIVER EMPLOYEES | $215,000 | $815,000 | 279.1% | 0.2% |
| Charles Schwab Bank, SSB | $810,000 | n/a | 0.2% | |
| Guaranty Bank and Trust Company | $805,000 | n/a | 0.2% | |
| PENTAGON FEDERAL CREDIT UNION | $1,810,000 | $790,000 | -56.4% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $245,000 | $785,000 | 220.4% | 0.2% |
| First National Bank | $915,000 | $765,000 | -16.4% | 0.2% |
| FirstTrust Home Loans, Inc. | $12,605,000 | $765,000 | -93.9% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,990,000 | $755,000 | -62.1% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $450,000 | $745,000 | 65.6% | 0.2% |
| NEW DAY FINANCIAL, LLC | $765,000 | $730,000 | -4.6% | 0.2% |
| OCMBC, INC. | $375,000 | $690,000 | 84.0% | 0.2% |
| TELCOE FEDERAL CREDIT UNION | $500,000 | $670,000 | 34.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $300,000 | $665,000 | 121.7% | 0.2% |
| GUARANTEED RATE, INC. | $395,000 | $655,000 | 65.8% | 0.1% |
| The Farmers & Merchants Bank | $1,475,000 | $650,000 | -55.9% | 0.1% |
| PLANET HOME LENDING, LLC | $645,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $775,000 | $640,000 | -17.4% | 0.1% |
| First United Bank and Trust Company | $620,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $950,000 | $605,000 | -36.3% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $875,000 | $565,000 | -35.4% | 0.1% |
| Gateway First Bank | $1,305,000 | $555,000 | -57.5% | 0.1% |
| Servion, Inc. | $805,000 | $550,000 | -31.7% | 0.1% |
| MORTGAGEONE, INC. | $540,000 | n/a | 0.1% | |
| First Federal Bank | $285,000 | $535,000 | 87.7% | 0.1% |
| Magnolia Bank | $150,000 | $530,000 | 253.3% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $155,000 | $520,000 | 235.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $420,000 | $520,000 | 23.8% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $1,545,000 | $505,000 | -67.3% | 0.1% |
| Great Southern Bank | $455,000 | $505,000 | 11.0% | 0.1% |
| The Federal Savings Bank | $950,000 | $495,000 | -47.9% | 0.1% |
| Hometown Equity Mortgage, LLC | $485,000 | n/a | 0.1% | |
| First Financial Bank | $435,000 | $470,000 | 8.0% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $435,000 | $470,000 | 8.0% | 0.1% |
| Patriot Bank | $465,000 | n/a | 0.1% | |
| Plains Commerce Bank | $465,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $625,000 | $460,000 | -26.4% | 0.1% |
| Citizens National Bank, N.A. | $645,000 | $455,000 | -29.5% | 0.1% |
| Meridian Bank Corporation | $455,000 | n/a | 0.1% | |
| Generations Bank | $440,000 | n/a | 0.1% | |
| Commercial Bank & Trust Co. | $435,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $435,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $105,000 | $430,000 | 309.5% | 0.1% |
| Coastal Community Bank | $385,000 | $425,000 | 10.4% | 0.1% |
| Ally Bank | $410,000 | n/a | 0.1% | |
| First Western Trust Bank | $410,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $405,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $400,000 | n/a | 0.1% | |
| LOANPAL, LLC | $285,000 | $390,000 | 36.8% | 0.1% |
| PILGRIM MORTGAGE LLC | $390,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $400,000 | $385,000 | -3.8% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $520,000 | $380,000 | -26.9% | 0.1% |
| The Central Trust Bank | $380,000 | n/a | 0.1% | |
| UNITED | $380,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $375,000 | n/a | 0.1% | |
| United Nations Federal Credit Union | $375,000 | n/a | 0.1% | |
| UNITED BUILT HOMES, L.L.C. | $365,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $85,000 | $350,000 | 311.8% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $350,000 | n/a | 0.1% | |
| Pinnacle Bank | $305,000 | $350,000 | 14.8% | 0.1% |
| BARTLETT MORTGAGE, INC. | $325,000 | $335,000 | 3.1% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $330,000 | n/a | 0.1% | |
| VeraBank | $325,000 | n/a | 0.1% | |
| CSL Financial, LLC | $320,000 | n/a | 0.1% | |
| Community Bank of Mississippi | $315,000 | n/a | 0.1% | |
| American Airlines Federal Credit Union | $155,000 | $310,000 | 100.0% | 0.1% |
| Bell Bank | $305,000 | n/a | 0.1% | |
| GENEVA FINANCIAL, LLC | $125,000 | $305,000 | 144.0% | 0.1% |
| First National Bank of North Arkansas | $295,000 | n/a | 0.1% | |
| SECURITY SERVICE | $295,000 | n/a | 0.1% | |
| VALOR BANK | $285,000 | n/a | 0.1% | |
| Southwest Airlines Federal Credit Union | $290,000 | $275,000 | -5.2% | 0.1% |
| First Arkansas Bank and Trust | $1,200,000 | $255,000 | -78.8% | 0.1% |
| Baxter Credit Union | $245,000 | n/a | 0.1% | |
| Fifth Third Bank | $245,000 | n/a | 0.1% | |
| Great Plains National Bank | $245,000 | n/a | 0.1% | |
| NBKC BANK | $335,000 | $245,000 | -26.9% | 0.1% |
| T2 FINANCIAL LLC | $245,000 | n/a | 0.1% | |
| Hometown National Bank | $235,000 | n/a | 0.1% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $235,000 | n/a | 0.1% | |
| Secured Investment Corp. | $230,000 | n/a | 0.1% | |
| BARKSDALE | $225,000 | n/a | 0.1% | |
| Peoples Community Bank | $225,000 | n/a | 0.1% | |
| SENTE MORTGAGE, INC. | $220,000 | n/a | 0.0% | |
| Sunflower Bank | $215,000 | n/a | 0.0% | |
| Southern Bank | $200,000 | $195,000 | -2.5% | 0.0% |
| Gateway Bank | $1,200,000 | $185,000 | -84.6% | 0.0% |
| VERITAS FUNDING, LLC | $185,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $175,000 | n/a | 0.0% | |
| ARC HOME LLC | $175,000 | n/a | 0.0% | |
| Bank of Bartlett | $175,000 | n/a | 0.0% | |
| Guaranty Bank & Trust, N.A. | $275,000 | $175,000 | -36.4% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $175,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $165,000 | n/a | 0.0% | |
| First National Bank of America | $165,000 | n/a | 0.0% | |
| Grand Savings Bank | $165,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $165,000 | n/a | 0.0% | |
| SFMC, LP | $165,000 | n/a | 0.0% | |
| Guaranty Bank & Trust Company of Delhi, Louisiana | $155,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $215,000 | $155,000 | -27.9% | 0.0% |
| PHH Mortgage Corporation | $155,000 | n/a | 0.0% | |
| PNC Bank | $355,000 | $150,000 | -57.7% | 0.0% |
| FNBC Bank | $105,000 | $145,000 | 38.1% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $145,000 | n/a | 0.0% | |
| Bank of Springfield | $135,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $135,000 | n/a | 0.0% | |
| S1L, Inc. | $335,000 | $135,000 | -59.7% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,155,000 | $125,000 | -89.2% | 0.0% |
| Lakeview Community Capital, LLC | $125,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| Nations Lending Corporation | $125,000 | $105,000 | -16.0% | 0.0% |
| NFM, INC. | $85,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $85,000 | n/a | 0.0% | |
| CONSTRUCTIVE LOANS, LLC | $75,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $265,000 | $75,000 | -71.7% | 0.0% |
| Focus Bank | $75,000 | n/a | 0.0% | |
| MidFirst Bank | $775,000 | $75,000 | -90.3% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $75,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $65,000 | n/a | 0.0% | |
| TEACHERS | $65,000 | n/a | 0.0% | |
| FBT Bank & Mortgage | $600,000 | $55,000 | -90.8% | 0.0% |
| CIS Financial Services, Inc. | $690,000 | $45,000 | -93.5% | 0.0% |
| SPRING EQ, LLC | $165,000 | $45,000 | -72.7% | 0.0% |
| BOKF | $705,000 | $35,000 | -95.0% | 0.0% |
| Stifel Bank and Trust | $1,800,000 | $35,000 | -98.1% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $15,000 | n/a | 0.0% |
HOT SPRINGS's top lender by overall market share is Arvest Bank, with 6.2% market share. In second place, with 6.1%, is QUICKEN LOANS, LLC, having originated $26,745,000 in loans. In third place, with 5.9%, is SWBC MORTGAGE CORPORATION, having originated $26,015,000 in loans. In fourth place, with 4.5%, is Southern Bancorp Bank, having originated $19,720,000 in loans. In fifth place, with 3.6%, is ARKANSAS Federal Credit Union, having originated $16,030,000 in loans.
HOT SPRINGS, AR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,167 | $289,605,000 | $248,162 |
| Refi | 281 | $73,645,000 | $262,082 |
| Cash Out Refi | 236 | $43,460,000 | $184,153 |
| Other | 225 | $18,715,000 | $83,178 |
| Home Improvement | 206 | $15,220,000 | $73,883 |
Hot Springs's most frequently cited loan purpose was Home Purchase, with 1,167 originations. The 2nd most popular reason was Refi, with 281 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 746 | $179,830,000 | $241,059 |
| Over 8% | 620 | $69,580,000 | $112,226 |
| 7-8% | 381 | $89,735,000 | $235,525 |
| 5-6% | 243 | $55,655,000 | $229,033 |
| 4-5% | 14 | $1,720,000 | $122,857 |
| <2.5% | 4 | $660,000 | $165,000 |
| 3-4% | 2 | $200,000 | $100,000 |
| 2.5-3% | 1 | $85,000 | $85,000 |
During 2024, Hot Springs's most frequently originated rate bucket was 6-7%, with 746 originations.
Loan Sizing (HOT SPRINGS, AR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 667 | $36,995,000 | $55,465 |
| $100k-200k | 652 | $95,570,000 | $146,580 |
| $200k-400k | 591 | $162,975,000 | $275,761 |
| $400k-600k | 114 | $54,300,000 | $476,316 |
| $600k-1000k | 70 | $53,300,000 | $761,429 |
| $Over $1MM | 21 | $37,505,000 | $1,785,952 |
HOT SPRINGS's loan sizing saw the bucket of loans from $100,000 or less with 667 originations, totaling $36,995,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 709 | $175,255,000 | $247,186 |
| 60-80% | 436 | $119,360,000 | $273,761 |
| Under 20% | 304 | $15,260,000 | $50,197 |
| 20-40% | 285 | $29,745,000 | $104,368 |
| 40-60% | 223 | $43,475,000 | $194,955 |
| Over 100% | 26 | $8,580,000 | $330,000 |
HOT SPRINGS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 709 originations, totaling $175,255,000 in origination value.