Mountain Home Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Mountain Home averaged
6.61%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.81% and
one month ago for the week of 2025-05-29, the
average rate was 7.13%.
Mountain Home's average rate one year ago was 7%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.27%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Mountain Home 30 Year Fixed Rate | 2025-07-03 | 6.61% |
| Mountain Home 30 Year Fixed Rate Refi | 2025-07-03 | 7.27% |
| Mountain Home 15 Year Fixed Rate | 2025-07-03 | 6% |
| Mountain Home 15 Year Fixed Rate Refi | 2025-07-03 | 5.9% |
| Mountain Home 30 Year FHA | 2025-07-03 | -0.1% |
| Mountain Home 30 Year FHA Refi | 2025-07-03 | 0.1% |
| Mountain Home 30 Year USDA | 2025-07-03 | -0.1% |
| Mountain Home 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Mountain Home 30 Year VA | 2025-07-03 | 0.2% |
| Mountain Home 30 Year VA Refi | 2025-07-03 | 0.2% |
Mountain Home 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 Mountain Home, 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.).
Mountain Home Average Closing Costs & Other Stats
Mountain Home, AR's 60 lenders originated 969
loans during 2024. The total origination value was $177,575,000, with an average loan value of
$183,256.
Mountain Home's average closing costs are $3,819.
The top Mountain Home lender as defined by loan originations is Arvest Bank, with
55 loans originated. Their average total fees are
$3,425, which is $2,838
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Mountain Home lenders (with over 10 loans originated) are
First Security Bank ($2,661), Arvest Bank ($3,425), QUICKEN LOANS, LLC ($6,263), .
The lowest rate Mountain Home lenders (with over 10 loans originated) are
First Security Bank (6.45%), QUICKEN LOANS, LLC (6.78%), Arvest Bank (6.88%), .
Mountain Home, 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 |
|---|---|---|---|---|
| MID AMERICA MORTGAGE, INC. | $37,895,000 | $38,945,000 | 2.8% | 21.9% |
| Arvest Bank | $23,765,000 | $27,900,000 | 17.4% | 15.7% |
| The Farmers & Merchants Bank | $8,625,000 | $12,155,000 | 40.9% | 6.8% |
| Anstaff Bank | $11,500,000 | $10,910,000 | -5.1% | 6.1% |
| QUICKEN LOANS, LLC | $4,815,000 | $8,870,000 | 84.2% | 5.0% |
| FREEDOM MORTGAGE CORPORATION | $1,305,000 | $7,050,000 | 440.2% | 4.0% |
| First Security Bank | $6,915,000 | $6,970,000 | 0.8% | 3.9% |
| First Community Bank | $5,640,000 | $4,265,000 | -24.4% | 2.4% |
| FNBC Bank | $4,465,000 | $3,360,000 | -24.7% | 1.9% |
| U.S. Bank | $1,980,000 | $2,880,000 | 45.5% | 1.6% |
| NAVY FEDERAL CREDIT UNION | $895,000 | $2,510,000 | 180.4% | 1.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $320,000 | $2,350,000 | 634.4% | 1.3% |
| DAS Acquisition Company, LLC | $3,030,000 | $2,120,000 | -30.0% | 1.2% |
| Mortgage Research Center, LLC | $1,500,000 | $1,880,000 | 25.3% | 1.1% |
| ARKANSAS Federal Credit Union | $180,000 | $1,855,000 | 930.6% | 1.0% |
| NEW DAY FINANCIAL, LLC | $950,000 | $1,750,000 | 84.2% | 1.0% |
| Focus Bank | $470,000 | $1,340,000 | 185.1% | 0.8% |
| NEWREZ LLC | $270,000 | $1,330,000 | 392.6% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $545,000 | $1,270,000 | 133.0% | 0.7% |
| Plains Commerce Bank | $3,875,000 | $1,180,000 | -69.5% | 0.7% |
| Centennial Bank | $1,195,000 | $1,150,000 | -3.8% | 0.6% |
| Bank OZK | $605,000 | $1,090,000 | 80.2% | 0.6% |
| Southern Bank | $3,705,000 | $975,000 | -73.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,395,000 | $920,000 | -34.1% | 0.5% |
| Carrington Mortgage Services, LLC | $895,000 | n/a | 0.5% | |
| Unico Bank | $125,000 | $825,000 | 560.0% | 0.5% |
| Baxter Credit Union | $1,305,000 | $815,000 | -37.5% | 0.5% |
| LOANDEPOT.COM, LLC | $850,000 | $815,000 | -4.1% | 0.5% |
| Truist | $805,000 | n/a | 0.5% | |
| The Bradford National Bank of Greenville | $795,000 | n/a | 0.4% | |
| FLAT BRANCH MORTGAGE, INC. | $1,210,000 | $780,000 | -35.5% | 0.4% |
| First National Bank | $610,000 | $765,000 | 25.4% | 0.4% |
| JPMorgan Chase Bank | $575,000 | $735,000 | 27.8% | 0.4% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $430,000 | $730,000 | 69.8% | 0.4% |
| Amarillo National Bank | $695,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $755,000 | $675,000 | -10.6% | 0.4% |
| Hawthorn Bank | $655,000 | n/a | 0.4% | |
| Simmons Bank | $225,000 | $650,000 | 188.9% | 0.4% |
| GUILD MORTGAGE COMPANY | $275,000 | $625,000 | 127.3% | 0.4% |
| First National Bank of North Arkansas | $770,000 | $620,000 | -19.5% | 0.3% |
| Signature Bank of Arkansas | $615,000 | n/a | 0.3% | |
| Equity Prime Mortgage LLC | $250,000 | $605,000 | 142.0% | 0.3% |
| Pinnacle Bank | $605,000 | n/a | 0.3% | |
| GUARANTEED RATE, INC. | $315,000 | $585,000 | 85.7% | 0.3% |
| The Federal Savings Bank | $510,000 | n/a | 0.3% | |
| CMG MORTGAGE, INC. | $235,000 | $500,000 | 112.8% | 0.3% |
| Armstrong Bank | $495,000 | n/a | 0.3% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $160,000 | $440,000 | 175.0% | 0.2% |
| ENVOY MORTGAGE, LTD | $435,000 | n/a | 0.2% | |
| MORIA DEVELOPMENT, INC. | $425,000 | n/a | 0.2% | |
| Century Mortgage Company DBA Century Lending Company | $255,000 | $410,000 | 60.8% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $405,000 | n/a | 0.2% | |
| Bank of England | $340,000 | $400,000 | 17.6% | 0.2% |
| FCS Financial FLCA | $295,000 | $385,000 | 30.5% | 0.2% |
| First Financial Bank | $235,000 | $385,000 | 63.8% | 0.2% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $365,000 | n/a | 0.2% | |
| CORNERSTONE HOME LENDING, INC. | $205,000 | $365,000 | 78.0% | 0.2% |
| Bank of America | $25,000 | $360,000 | 1,340.0% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $225,000 | $355,000 | 57.8% | 0.2% |
| PLANET HOME LENDING, LLC | $345,000 | n/a | 0.2% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $340,000 | n/a | 0.2% | |
| Access Bank | $335,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $300,000 | $330,000 | 10.0% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $65,000 | $325,000 | 400.0% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $320,000 | n/a | 0.2% | |
| Cross County Bank | $305,000 | n/a | 0.2% | |
| Renasant Bank | $305,000 | n/a | 0.2% | |
| SUCCESS Federal Credit Union | $295,000 | n/a | 0.2% | |
| Discover Bank | $175,000 | $275,000 | 57.1% | 0.2% |
| Figure Lending LLC | $60,000 | $275,000 | 358.3% | 0.2% |
| Evolve Bank & Trust | $265,000 | n/a | 0.1% | |
| GMFS LLC | $260,000 | n/a | 0.1% | |
| ROSS MORTGAGE CORPORATION | $255,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $255,000 | n/a | 0.1% | |
| TOGETHER CREDIT UNION | $245,000 | n/a | 0.1% | |
| CROSSCOUNTRY MORTGAGE, LLC | $235,000 | n/a | 0.1% | |
| ASSEMBLIES OF GOD Credit Union | $225,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $220,000 | n/a | 0.1% | |
| LOANPAL, LLC | $215,000 | n/a | 0.1% | |
| Coastal Community Bank | $225,000 | $210,000 | -6.7% | 0.1% |
| Village Bank & Trust | $205,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $195,000 | n/a | 0.1% | |
| American Bank | $185,000 | n/a | 0.1% | |
| Cornerstone Bank | $75,000 | $185,000 | 146.7% | 0.1% |
| First Service Bank | $255,000 | $185,000 | -27.5% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $185,000 | n/a | 0.1% | |
| RESIDENTIAL BANCORP | $235,000 | $180,000 | -23.4% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $175,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $175,000 | n/a | 0.1% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $175,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $225,000 | $175,000 | -22.2% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $175,000 | n/a | 0.1% | |
| Midwest BankCentre | $175,000 | n/a | 0.1% | |
| BancorpSouth | $1,330,000 | $160,000 | -88.0% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $155,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $105,000 | $150,000 | 42.9% | 0.1% |
| Southern Bancorp Bank | $25,000 | $145,000 | 480.0% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $145,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $510,000 | $140,000 | -72.5% | 0.1% |
| Stockmens Bank | $135,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $230,000 | $135,000 | -41.3% | 0.1% |
| Ally Bank | $125,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $125,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $125,000 | n/a | 0.1% | |
| Gateway First Bank | $125,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $125,000 | n/a | 0.1% | |
| Wells Fargo Bank | $125,000 | n/a | 0.1% | |
| Regions Bank | $95,000 | $120,000 | 26.3% | 0.1% |
| FAMILY SAVINGS | $115,000 | n/a | 0.1% | |
| JUSTICE Federal Credit Union | $115,000 | n/a | 0.1% | |
| Mazuma Credit Union | $115,000 | n/a | 0.1% | |
| BMO Harris Bank | $105,000 | n/a | 0.1% | |
| Great Southern Bank | $105,000 | n/a | 0.1% | |
| TELCOE FEDERAL CREDIT UNION | $225,000 | $105,000 | -53.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $275,000 | $85,000 | -69.1% | 0.0% |
| First National Bank of America | $85,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $35,000 | $65,000 | 85.7% | 0.0% |
| Terre Haute Savings Bank | $65,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $65,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $55,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $35,000 | n/a | 0.0% | |
| Citibank | $35,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $115,000 | $35,000 | -69.6% | 0.0% |
Mountain Home's top lender by overall market share is MID AMERICA MORTGAGE, INC., with 21.9% market share. In second place, with 15.7%, is Arvest Bank, having originated $27,900,000 in loans. In third place, with 6.8%, is The Farmers & Merchants Bank, having originated $12,155,000 in loans. In fourth place, with 6.1%, is Anstaff Bank, having originated $10,910,000 in loans. In fifth place, with 5.0%, is QUICKEN LOANS, LLC, having originated $8,870,000 in loans.
Mountain Home, AR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 552 | $125,410,000 | $227,192 |
| Refi | 119 | $21,865,000 | $183,739 |
| Cash Out Refi | 116 | $18,090,000 | $155,948 |
| Home Improvement | 102 | $6,870,000 | $67,353 |
| Other | 80 | $5,340,000 | $66,750 |
Mountain Home's most frequently cited loan purpose was Home Purchase, with 552 originations. The 2nd most popular reason was Refi, with 119 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 393 | $82,515,000 | $209,962 |
| Over 8% | 202 | $20,240,000 | $100,198 |
| 7-8% | 141 | $30,075,000 | $213,298 |
| 5-6% | 117 | $24,395,000 | $208,504 |
| <2.5% | 2 | $250,000 | $125,000 |
| 4-5% | 2 | $370,000 | $185,000 |
During 2024, Mountain Home's most frequently originated rate bucket was 6-7%, with 393 originations.
Loan Sizing (Mountain Home, AR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 392 | $58,850,000 | $150,128 |
| $100,000 or less | 261 | $14,735,000 | $56,456 |
| $200k-400k | 261 | $70,045,000 | $268,372 |
| $400k-600k | 39 | $18,135,000 | $465,000 |
| $600k-1000k | 10 | $6,870,000 | $687,000 |
| $Over $1MM | 6 | $8,940,000 | $1,490,000 |
Mountain Home's loan sizing saw the bucket of loans from $100k-200k with 392 originations, totaling $58,850,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 325 | $73,655,000 | $226,631 |
| 60-80% | 198 | $41,640,000 | $210,303 |
| 20-40% | 117 | $12,955,000 | $110,726 |
| 40-60% | 109 | $17,205,000 | $157,844 |
| Under 20% | 77 | $3,225,000 | $41,883 |
| Over 100% | 16 | $6,190,000 | $386,875 |
Mountain Home's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 325 originations, totaling $73,655,000 in origination value.