Mountain Home Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Mountain Home averaged 7.01% for the week of 2022-11-23, compared to the national average of 6.58% for the same period.

    The average rate for the prior week (2022-11-17) was 6.74% and one month ago for the week of 2022-10-20, the average rate was 7.17%.

    Mountain Home's average rate one year ago was 3.45%.

    For refis of the same type during the week of 2022-11-23, the average rate was 6.9%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-11-23 6.58%
    Mountain Home 30 Year Fixed Rate 2022-11-23 7.01%
    Mountain Home 30 Year Fixed Rate Refi 2022-11-23 6.9%
    Mountain Home 15 Year Fixed Rate 2022-11-23 6.47%
    Mountain Home 15 Year Fixed Rate Refi 2022-11-23 6.32%
    Mountain Home 30 Year FHA 2022-11-23 -0.08%
    Mountain Home 30 Year FHA Refi 2022-11-23 0.16%
    Mountain Home 30 Year USDA 2022-11-23 0.18%
    Mountain Home 30 Year USDA Refi 2022-11-23 -0.1%
    Mountain Home 30 Year VA 2022-11-23 0.2%
    Mountain Home 30 Year VA Refi 2022-11-23 -0.07%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Mountain Home, AR.

    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.).

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    Plains Commerce Bank 173 3.04% $3,825
    Arvest Bank 77 3.20% $2,527
    QUICKEN LOANS, LLC 52 3.19% $4,408
    First Security Bank 35 2.94% $2,611
    The Farmers & Merchants Bank 24 2.82% $2,039
    First Community Bank 20 3.35% $3,457
    FirstTrust Home Loans, Inc. 17 3.05% $2,495
    Baxter Credit Union 14 2.96% $2,402
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 10 3.28% $3,517
    AMERISAVE MORTGAGE CORPORATION 10 2.92% $5,348
    Centennial Bank 9 3.38% $2,294
    Wells Fargo Bank 9 3.32% $2,825
    FREEDOM MORTGAGE CORPORATION 8 3.34% $3,193
    U.S. Bank 8 3.01% $3,968
    Simmons Bank 6 3.17% $3,237
    First National Bank 5 3.93% $1,225
    Servion, Inc. 5 3.28% $1,948
    Mr. Cooper ( Nationstar Mortgage ) 5 3.10% $4,436
    CALIBER HOME LOANS, INC. 4 3.08% $2,791
    Regions Bank 4 3.38% $3,905
    DAS Acquisition Company, LLC 4 3.19% $2,223
    LOANDEPOT.COM, LLC 4 3.34% $4,600
    PENNYMAC LOAN SERVICES, LLC 3 3.29% $4,954
    ROYAL UNITED MORTGAGE LLC 3 3.83% $5,560
    JPMorgan Chase Bank 3 3.29% $3,907
    GUILD MORTGAGE COMPANY 3 3.29% $3,847
    Bank of England 3 3.21% $3,208
    ZILLOW HOME LOANS, LLC 2 3.13% $2,549
    Bank OZK 2 4.18% $1,341
    COMMUNITY MORTGAGE CORPORATION 2 3.56% $2,274
    DRAPER AND KRAMER MORTGAGE CORP. 2 2.88% $3,103
    ENCORE BANK 2 2.50% $2,432
    FLAT BRANCH MORTGAGE, INC. 2 3.19% $2,311
    HOME POINT FINANCIAL CORPORATION 2 3.38% $2,921
    Nations Lending Corporation 2 3.31% $6,541
    Southern Bank 2 4.00% $1,111
    UNITED 2 2.88% $2,170
    GUARANTEED RATE AFFINITY, LLC 1 2.75% $410
    GUARANTEED RATE, INC. 1 2.99% $2,924
    First Federal Bank 1 2.75% $2,418
    FIRST COMMUNITY MORTGAGE, INC. 1 3.25% $2,146
    Bank of America 1 3.25% $3,086
    IMPAC MORTGAGE CORP. 1 3.13% $1,437
    INTOUCH CREDIT UNION 1 3.38% $4,610
    Intrust Bank 1 3.00% $1,249
    EVERETT FINANCIAL, INC. 1 3.38% $1,219
    Equity Bank 1 3.13% $1,423
    MID AMERICA MORTGAGE, INC. 1 3.50% $4,633
    Mortgage Research Center, LLC 1 2.99% $1,287
    ENDEAVOR CAPITAL, LLC. 1 3.13% $3,860
    MUTUAL OF OMAHA MORTGAGE, INC. 1 3.00% $2,790
    ARKANSAS Federal Credit Union 1 3.00% $2,785
    NAVY FEDERAL CREDIT UNION 1 3.00% $1,047
    Oakstar Bank 1 2.88% $2,086
    Old Second National Bank 1 3.13% $2,163
    Colonial Savings, F.A. 1 3.00% $3,525
    PENTAGON FEDERAL CREDIT UNION 1 2.25% $3,419
    CITIZENS EQUITY FIRST 1 3.38% $1,846
    PNC Bank 1 2.88% $6,110
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.25% $2,300
    CHURCHILL MORTGAGE CORPORATION 1 3.25% $2,555
    Century Next Bank 1 2.75% $5,338
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.38% $3,354
    BROKER SOLUTIONS, INC. 1 2.63% $2,649
    BOKF 1 3.63% $2,895
    Wood & Huston Bank 1 4.49% $1,262
    SUCCESS Federal Credit Union 1 2.80% $3,330
    SWBC MORTGAGE CORPORATION 1 4.38% $4,736
    The Bank of Missouri 1 3.25% $2,668
    Barrington Bank & Trust Company, N.A. 1 3.49% $2,290
    The Federal Savings Bank 1 2.88% $7,975
    The First National Bank of Ottawa 1 3.13% $1,972
    TJC Mortgage, Inc. 1 3.50% $1,875
    Ally Bank 1 3.25% $1,104
    UNITED WHOLESALE MORTGAGE, LLC 1 3.00% $5,372
    Flagstar Bank, FSB 1 3.11% $2,405
    USAA Federal Savings Bank 1 3.13% $2,506
    First Guaranty Mortgage Corporation 1 2.88% $2,825
    Gateway First Bank 1 3.13% $4,210
    Generations Bank 1 2.75% $3,311

    Mountain Home Average Closing Costs & Other Stats

    Mountain Home, AR's 80 lenders originated 1,834 loans during 2021. The total origination value was $295,380,000, with an average loan value of $161,058.

    Mountain Home's average closing costs are $3,395.

    The top Mountain Home lender as defined by loan originations is Plains Commerce Bank, with 173 loans originated. Their average total fees are $3,825, which is $1,299 higher than the next largest lender, Arvest Bank.

    The lowest fee Mountain Home lenders (with over 10 loans originated) are The Farmers & Merchants Bank ($2,039), Baxter Credit Union ($2,402), FirstTrust Home Loans, Inc. ($2,495), Arvest Bank ($2,527) and First Security Bank ($2,611).

    The lowest rate Mountain Home lenders (with over 10 loans originated) are The Farmers & Merchants Bank (2.82%), AMERISAVE MORTGAGE CORPORATION (2.92%), First Security Bank (2.94%), Baxter Credit Union (2.96%) and Plains Commerce Bank (3.04%).

    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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
    Plains Commerce Bank $40,805,000 $53,420,000 30.9% 18.1%
    Arvest Bank $35,895,000 $27,220,000 -24.2% 9.2%
    MID AMERICA MORTGAGE, INC. $375,000 $22,510,000 5,902.7% 7.6%
    FREEDOM MORTGAGE CORPORATION $26,625,000 $21,500,000 -19.2% 7.3%
    QUICKEN LOANS, LLC $16,060,000 $17,430,000 8.5% 5.9%
    First Security Bank $17,165,000 $16,760,000 -2.4% 5.7%
    Anstaff Bank $13,370,000 $13,970,000 4.5% 4.7%
    First Community Bank $8,635,000 $13,890,000 60.9% 4.7%
    The Farmers & Merchants Bank $12,355,000 $9,990,000 -19.1% 3.4%
    U.S. Bank $6,300,000 $4,955,000 -21.3% 1.7%
    Mortgage Research Center, LLC $2,535,000 $4,880,000 92.5% 1.7%
    FirstTrust Home Loans, Inc. $6,090,000 $4,640,000 -23.8% 1.6%
    Baxter Credit Union $3,900,000 $4,220,000 8.2% 1.4%
    FNBC Bank $8,620,000 $4,150,000 -51.9% 1.4%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $265,000 $3,540,000 1,235.8% 1.2%
    Centennial Bank $4,520,000 $3,350,000 -25.9% 1.1%
    Wells Fargo Bank $2,355,000 $3,275,000 39.1% 1.1%
    DAS Acquisition Company, LLC $190,000 $3,200,000 1,584.2% 1.1%
    PENNYMAC LOAN SERVICES, LLC $1,900,000 $3,055,000 60.8% 1.0%
    Simmons Bank $2,760,000 $2,690,000 -2.5% 0.9%
    NEW DAY FINANCIAL, LLC $1,550,000 $2,165,000 39.7% 0.7%
    LOANDEPOT.COM, LLC $2,250,000 $2,115,000 -6.0% 0.7%
    AMERISAVE MORTGAGE CORPORATION $600,000 $2,080,000 246.7% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $1,410,000 $1,720,000 22.0% 0.6%
    NAVY FEDERAL CREDIT UNION $570,000 $1,460,000 156.1% 0.5%
    GUILD MORTGAGE COMPANY $515,000 $1,455,000 182.5% 0.5%
    LAKEVIEW LOAN SERVICING, LLC $230,000 $1,370,000 495.7% 0.5%
    Bank OZK $1,605,000 $1,350,000 -15.9% 0.5%
    JPMorgan Chase Bank $695,000 $1,320,000 89.9% 0.4%
    PNC Bank $1,320,000 n/a 0.4%
    The Federal Savings Bank $540,000 $1,235,000 128.7% 0.4%
    Bank of England $895,000 $1,205,000 34.6% 0.4%
    First National Bank $1,155,000 $1,120,000 -3.0% 0.4%
    First National Bank of North Arkansas $425,000 $1,020,000 140.0% 0.3%
    United Bank $1,015,000 n/a 0.3%
    Gateway First Bank $500,000 $1,005,000 101.0% 0.3%
    ENCORE BANK $290,000 $990,000 241.4% 0.3%
    CALIBER HOME LOANS, INC. $575,000 $975,000 69.6% 0.3%
    Grand Savings Bank $975,000 n/a 0.3%
    Focus Bank $775,000 $940,000 21.3% 0.3%
    Servion, Inc. $190,000 $905,000 376.3% 0.3%
    USAA Federal Savings Bank $1,715,000 $880,000 -48.7% 0.3%
    VILLAGE CAPITAL & INVESTMENT LLC $660,000 $845,000 28.0% 0.3%
    HOME POINT FINANCIAL CORPORATION $85,000 $840,000 888.2% 0.3%
    Unico Bank $225,000 $795,000 253.3% 0.3%
    Regions Bank $225,000 $705,000 213.3% 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $17,205,000 $660,000 -96.2% 0.2%
    First National Bank of Eastern Arkansas $660,000 n/a 0.2%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,610,000 $655,000 -59.3% 0.2%
    FLAT BRANCH MORTGAGE, INC. $535,000 $620,000 15.9% 0.2%
    Nations Lending Corporation $155,000 $620,000 300.0% 0.2%
    TJC Mortgage, Inc. $620,000 n/a 0.2%
    TELCOE FEDERAL CREDIT UNION $100,000 $600,000 500.0% 0.2%
    The First National Bank of Fort Smith $590,000 n/a 0.2%
    21ST MORTGAGE CORPORATION $85,000 $580,000 582.4% 0.2%
    Generations Bank $475,000 $545,000 14.7% 0.2%
    Flagstar Bank, FSB $445,000 $510,000 14.6% 0.2%
    First Service Bank $485,000 $505,000 4.1% 0.2%
    Carrington Mortgage Services, LLC $355,000 $490,000 38.0% 0.2%
    Bank of America $960,000 $485,000 -49.5% 0.2%
    ZILLOW HOME LOANS, LLC $480,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $75,000 $455,000 506.7% 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $345,000 $455,000 31.9% 0.2%
    ACADEMY MORTGAGE CORPORATION $3,280,000 $435,000 -86.7% 0.1%
    Ally Bank $435,000 n/a 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $430,000 n/a 0.1%
    COMMUNITY MORTGAGE CORPORATION $145,000 $420,000 189.7% 0.1%
    SUCCESS Federal Credit Union $500,000 $420,000 -16.0% 0.1%
    NEWREZ LLC $670,000 $405,000 -39.6% 0.1%
    ARKANSAS Federal Credit Union $560,000 $395,000 -29.5% 0.1%
    Paramount Residential Mortgage Group, Inc. $375,000 n/a 0.1%
    BancorpSouth Bank $1,315,000 $350,000 -73.4% 0.1%
    EMBRACE HOME LOANS, INC. $350,000 $350,000 0.0% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $205,000 $320,000 56.1% 0.1%
    First Horizon Bank $290,000 n/a 0.1%
    UNITED $25,000 $290,000 1,060.0% 0.1%
    INTOUCH CREDIT UNION $275,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $2,855,000 $270,000 -90.5% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $55,000 $255,000 363.6% 0.1%
    Barrington Bank & Trust Company, N.A. $265,000 $235,000 -11.3% 0.1%
    EVERETT FINANCIAL, INC. $570,000 $230,000 -59.6% 0.1%
    GUARANTEED RATE, INC. $210,000 $230,000 9.5% 0.1%
    Century Next Bank $225,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $225,000 n/a 0.1%
    First Guaranty Mortgage Corporation $145,000 $225,000 55.2% 0.1%
    Intrust Bank $225,000 n/a 0.1%
    MORTGAGE INVESTORS GROUP, INC. $225,000 n/a 0.1%
    Old Second National Bank $135,000 $225,000 66.7% 0.1%
    SWBC MORTGAGE CORPORATION $185,000 $225,000 21.6% 0.1%
    BROKER SOLUTIONS, INC. $380,000 $215,000 -43.4% 0.1%
    GUARANTEED RATE AFFINITY, LLC $560,000 $215,000 -61.6% 0.1%
    UNITED WHOLESALE MORTGAGE, LLC $600,000 $215,000 -64.2% 0.1%
    AMERICAN FINANCING CORPORATION $370,000 $210,000 -43.2% 0.1%
    Wood & Huston Bank $210,000 n/a 0.1%
    PLANET HOME LENDING, LLC $205,000 n/a 0.1%
    Legacy National Bank $195,000 n/a 0.1%
    Wyndham Capital Mortgage, Inc. $195,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $190,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $185,000 n/a 0.1%
    North American Savings Bank, F.S.B. $225,000 $185,000 -17.8% 0.1%
    FIRST WESTERN MORTGAGE, INC. $175,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $175,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $55,000 $175,000 218.2% 0.1%
    Colonial Savings, F.A. $125,000 $165,000 32.0% 0.1%
    Oakstar Bank $165,000 n/a 0.1%
    The First National Bank of Ottawa $165,000 n/a 0.1%
    First Financial Bank $155,000 n/a 0.1%
    IMPAC MORTGAGE CORP. $155,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $155,000 n/a 0.1%
    The Bank of Missouri $155,000 n/a 0.1%
    The Home Loan Expert LLC $155,000 n/a 0.1%
    Dieterich Bank $145,000 n/a 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $255,000 $145,000 -43.1% 0.0%
    TOGETHER CREDIT UNION $145,000 n/a 0.0%
    Equity Bank $250,000 $135,000 -46.0% 0.0%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,105,000 $135,000 -87.8% 0.0%
    Farm Credit Services of Western Arkansas, ACA $1,135,000 $135,000 -88.1% 0.0%
    Peoples Bank $135,000 n/a 0.0%
    TOWNE MORTGAGE COMPANY $135,000 n/a 0.0%
    Discover Bank $85,000 $130,000 52.9% 0.0%
    Southern Bank $35,000 $130,000 271.4% 0.0%
    AMERICAN ADVISORS GROUP $185,000 $125,000 -32.4% 0.0%
    BOKF $365,000 $125,000 -65.8% 0.0%
    Brighton Bank $125,000 n/a 0.0%
    CLEARPATH LENDING $175,000 $125,000 -28.6% 0.0%
    Cross County Bank $125,000 n/a 0.0%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $230,000 $125,000 -45.7% 0.0%
    BETTER MORTGAGE CORPORATION $610,000 $115,000 -81.1% 0.0%
    Community Bank of Mississippi $115,000 n/a 0.0%
    ENDEAVOR CAPITAL, LLC. $115,000 n/a 0.0%
    First Federal Bank $145,000 $115,000 -20.7% 0.0%
    RELIANCE FIRST CAPITAL, LLC $380,000 $115,000 -69.7% 0.0%
    CITIZENS EQUITY FIRST $55,000 $105,000 90.9% 0.0%
    SUN WEST MORTGAGE COMPANY, INC. $95,000 n/a 0.0%
    Signature Bank of Arkansas $615,000 $85,000 -86.2% 0.0%
    ATLANTA POSTAL $75,000 n/a 0.0%
    Equity Prime Mortgage LLC $75,000 n/a 0.0%
    NUMARK CREDIT UNION $75,000 n/a 0.0%
    Reliant Bank $75,000 n/a 0.0%
    Figure Lending LLC $65,000 n/a 0.0%
    THRIVENT Federal Credit Union $55,000 n/a 0.0%

    Mountain Home's top lender by overall market share is Plains Commerce Bank, with 18.1% market share. In second place, with 9.2%, is Arvest Bank, having originated $27,220,000 in loans. In third place, with 7.6%, is MID AMERICA MORTGAGE, INC., having originated $22,510,000 in loans. In fourth place, with 7.3%, is FREEDOM MORTGAGE CORPORATION, having originated $21,500,000 in loans. In fifth place, with 5.9%, is QUICKEN LOANS, LLC, having originated $17,430,000 in loans.

    Mountain Home Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Mountain Home (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 $159,900 (6.7%) $234,211 (10.6%) 0.00 331
    2018-02-01 $155,925 (4.0%) $232,536 (8.9%) 0.00 325
    2018-03-01 $169,125 (6.1%) $239,974 (11.8%) 0.00 332
    2018-04-01 $169,413 (2.4%) $233,165 (4.6%) 0.00 349
    2018-05-01 $170,925 (4.3%) $237,374 (6.6%) 0.00 349
    2018-06-01 $175,500 (9.8%) $248,244 (12.3%) 0.00 351
    2018-07-01 $179,500 (14.7%) $255,019 (17.9%) 0.00 361
    2018-08-01 $182,100 (14.2%) $258,674 (18.7%) 0.00 359
    2018-09-01 $186,250 (13.0%) $261,805 (19.7%) 0.00 358
    2018-10-01 $189,000 (14.6%) $262,421 (19.8%) 0.00 356
    2018-11-01 $189,500 (18.0%) $267,914 (20.1%) 0.00 350
    2018-12-01 $186,200 (14.3%) $263,580 (14.4%) 0.00 318
    2019-01-01 $184,700 (15.5%) $260,291 (11.1%) 0.00 311
    2019-02-01 $189,900 (21.8%) $264,405 (13.7%) 0.00 315
    2019-03-01 $196,371 (16.1%) $269,608 (12.4%) 0.00 309
    2019-04-01 $201,371 (18.9%) $275,500 (18.2%) 0.00 303
    2019-05-01 $194,625 (13.9%) $276,172 (16.3%) 0.00 303
    2019-06-01 $196,250 (11.8%) $280,850 (13.1%) 0.00 306
    2019-07-01 $195,425 (8.9%) $290,877 (14.1%) 0.00 308
    2019-08-01 $194,300 (6.7%) $291,698 (12.8%) 0.00 296
    2019-09-01 $191,825 (3.0%) $286,125 (9.3%) 0.00 296
    2019-10-01 $192,725 (2.0%) $285,358 (8.7%) 0.00 293
    2019-11-01 $194,000 (2.4%) $279,456 (4.3%) 0.00 269
    2019-12-01 $189,900 (2.0%) $281,690 (6.9%) 0.00 250
    2020-01-01 $195,725 (6.0%) $289,702 (11.3%) 0.00 245
    2020-02-01 $199,700 (5.2%) $294,469 (11.4%) 0.00 237
    2020-03-01 $219,199 (11.6%) $304,739 (13.0%) 0.00 231
    2020-04-01 $203,650 (1.1%) $300,682 (9.1%) 0.00 229
    2020-05-01 $227,450 (16.9%) $316,620 (14.7%) 0.00 202
    2020-06-01 $232,925 (18.7%) $320,093 (14.0%) 0.00 186
    2020-07-01 $236,425 (21.0%) $334,080 (14.9%) 0.00 177
    2020-08-01 $242,400 (24.8%) $331,376 (13.6%) 0.00 166
    2020-09-01 $242,450 (26.4%) $341,708 (19.4%) 0.00 157
    2020-10-01 $244,900 (27.1%) $343,318 (20.3%) 0.00 153
    2020-11-01 $236,225 (21.8%) $348,696 (24.8%) 0.00 147
    2020-12-01 $244,900 (29.0%) $354,906 (26.0%) 0.00 149
    2021-01-01 $269,450 (37.7%) $387,851 (33.9%) 0.00 122
    2021-02-01 $266,950 (33.7%) $387,861 (31.7%) 0.00 109
    2021-03-01 $259,900 (18.6%) $381,582 (25.2%) 0.00 96
    2021-04-01 $294,250 (44.5%) $424,823 (41.3%) 0.00 74
    2021-05-01 $239,900 (5.5%) $357,960 (13.1%) 0.00 72
    2021-06-01 $229,900 (-1.3%) $371,335 (16.0%) 0.00 78
    2021-07-01 $229,900 (-2.8%) $356,789 (6.8%) 0.00 96
    2021-08-01 $246,175 (1.6%) $365,606 (10.3%) 0.00 99
    2021-09-01 $259,449 (7.0%) $384,488 (12.5%) 0.00 123
    2021-10-01 $254,900 (4.1%) $393,090 (14.5%) 0.00 130
    2021-11-01 $244,000 (3.3%) $368,409 (5.7%) 0.00 129
    2021-12-01 $218,475 (-10.8%) $354,590 (-0.1%) 0.00 111
    2022-01-01 $212,450 (-21.2%) $371,760 (-4.2%) 0.00 107
    2022-02-01 $232,425 (-12.9%) $393,374 (1.4%) 0.00 107
    2022-03-01 $249,225 (-4.1%) $428,144 (12.2%) 0.00 97
    2022-04-01 $249,900 (-15.1%) $420,662 (-1.0%) 0.00 100
    2022-05-01 $255,925 (6.7%) $411,260 (14.9%) 0.00 113
    2022-06-01 $259,675 (13.0%) $415,997 (12.0%) 0.00 119
    2022-07-01 $262,450 (14.2%) $388,351 (8.9%) 0.00 130
    2022-08-01 $272,500 (10.7%) $388,351 (6.2%) 0.00 142
    2022-09-01 $254,950 (-1.7%) $386,335 (0.5%) 0.00 138
    2022-10-01 $250,000 (-1.9%) $372,971 (-5.1%) 0.00 151
    Mountain Home's median listing price for 2022-10-01 was $250,000, a difference of $-4,900 (-1.9%) versus the prior year and $-4,950 versus the prior month.

    Mountain Home's median listing price comes in at 0% of the national average.

    Mountain Home's average listing price for 2022-10-01 was $372,971, a difference of $-20,119 (-5.1%) versus the prior year and $-13,364 versus the prior month.

    For the 2022-10-01 period, Mountain Home had 151 MLS listings, a difference of 13 listings (9%) versus the prior month and 21 listings (16%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Mountain Home (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,740 sqft
    2018-02-01 0 days 1,740 sqft
    2018-03-01 0 days 1,766 sqft
    2018-04-01 0 days 1,738 sqft
    2018-05-01 0 days 1,755 sqft
    2018-06-01 0 days 1,800 sqft
    2018-07-01 0 days 1,802 sqft
    2018-08-01 0 days 1,856 sqft
    2018-09-01 0 days 1,880 sqft
    2018-10-01 0 days 1,864 sqft
    2018-11-01 0 days 1,865 sqft
    2018-12-01 0 days 1,860 sqft
    2019-01-01 0 days 1,857 sqft
    2019-02-01 0 days 1,871 sqft
    2019-03-01 0 days 1,882 sqft
    2019-04-01 0 days 1,902 sqft
    2019-05-01 0 days 1,900 sqft
    2019-06-01 0 days 1,900 sqft
    2019-07-01 0 days 1,900 sqft
    2019-08-01 0 days 1,873 sqft
    2019-09-01 0 days 1,833 sqft
    2019-10-01 0 days 1,835 sqft
    2019-11-01 0 days 1,810 sqft
    2019-12-01 0 days 1,801 sqft
    2020-01-01 0 days 1,810 sqft
    2020-02-01 0 days 1,900 sqft
    2020-03-01 0 days 1,900 sqft
    2020-04-01 0 days 1,900 sqft
    2020-05-01 0 days 1,900 sqft
    2020-06-01 0 days 2,005 sqft
    2020-07-01 0 days 2,180 sqft
    2020-08-01 0 days 2,250 sqft
    2020-09-01 0 days 2,250 sqft
    2020-10-01 0 days 2,250 sqft
    2020-11-01 0 days 2,250 sqft
    2020-12-01 0 days 2,250 sqft
    2021-01-01 0 days 2,060 sqft
    2021-02-01 0 days 2,060 sqft
    2021-03-01 0 days 2,064 sqft
    2021-04-01 0 days 2,100 sqft
    2021-05-01 0 days 2,060 sqft
    2021-06-01 0 days 1,948 sqft
    2021-07-01 0 days 1,971 sqft
    2021-08-01 0 days 1,839 sqft
    2021-09-01 0 days 1,989 sqft
    2021-10-01 0 days 1,855 sqft
    2021-11-01 0 days 1,822 sqft
    2021-12-01 0 days 1,773 sqft
    2022-01-01 0 days 1,742 sqft
    2022-02-01 0 days 1,937 sqft
    2022-03-01 0 days 1,986 sqft
    2022-04-01 0 days 1,895 sqft
    2022-05-01 0 days 1,957 sqft
    2022-06-01 0 days 1,810 sqft
    2022-07-01 0 days 1,783 sqft
    2022-08-01 0 days 1,907 sqft
    2022-09-01 0 days 1,856 sqft
    2022-10-01 0 days 1,848 sqft
    Mountain Home's median listing age (time on market) for 2022-10-01 was 0 days.

    Mountain Home's median square footage for active listings during the 2022-10-01 period was 1,848 sqft. One year prior, the average listing was 1,855 sqft.

    Mountain Home, AR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 852 $148,050,000 $173,768
    Refi 623 $96,575,000 $155,016
    Cash Out Refi 270 $42,260,000 $156,519
    Home Improvement 54 $5,050,000 $93,519
    Other 35 $3,445,000 $98,429

    Mountain Home's most frequently cited loan purpose was Home Purchase, with 852 originations. The 2nd most popular reason was Refi, with 623 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    2.5-3% 673 $115,285,000 $171,300
    3-4% 556 $84,760,000 $152,446
    <2.5% 292 $51,180,000 $175,274
    4-5% 126 $14,010,000 $111,190
    5-6% 36 $3,680,000 $102,222
    6-7% 6 $540,000 $90,000
    Over 8% 6 $270,000 $45,000
    7-8% 5 $815,000 $163,000

    During 2021, Mountain Home's most frequently originated rate bucket was 2.5-3%, with 673 originations.

    Loan Sizing (Mountain Home, AR MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 926 $130,990,000 $141,458
    $100,000 or less 491 $33,865,000 $68,971
    $200k-400k 353 $93,785,000 $265,680
    $400k-600k 52 $25,450,000 $489,423
    $600k-1000k 9 $6,805,000 $756,111
    $Over $1MM 3 $4,485,000 $1,495,000

    Mountain Home's loan sizing saw the bucket of loans from $100k-200k with 926 originations, totaling $130,990,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 698 $124,120,000 $177,822
    60-80% 559 $93,325,000 $166,950
    40-60% 195 $23,765,000 $121,872
    20-40% 87 $7,255,000 $83,391
    Under 20% 34 $1,250,000 $36,765
    Over 100% 18 $4,890,000 $271,667

    Mountain Home's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 698 originations, totaling $124,120,000 in origination value.