Mountain Home Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
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  • Market Share
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Mountain Home averaged 6.55% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.74% and one month ago for the week of 2024-11-07, the average rate was 6.54%.

    Mountain Home's average rate one year ago was 6.98%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.8%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Mountain Home 30 Year Fixed Rate 2024-12-12 6.55%
    Mountain Home 30 Year Fixed Rate Refi 2024-12-12 6.8%
    Mountain Home 15 Year Fixed Rate 2024-12-12 5.84%
    Mountain Home 15 Year Fixed Rate Refi 2024-12-12 6.44%
    Mountain Home 30 Year FHA 2024-12-12 6.48%
    Mountain Home 30 Year FHA Refi 2024-12-12 6.38%
    Mountain Home 30 Year USDA 2024-12-12 6.5%
    Mountain Home 30 Year USDA Refi 2024-12-12 6.5%
    Mountain Home 30 Year VA 2024-12-12 5.98%
    Mountain Home 30 Year VA Refi 2024-12-12 6.18%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Arvest Bank 37 6.69% $2,789
    First Community Bank 16 7.03% $3,556
    First Security Bank 14 6.51% $2,238
    QUICKEN LOANS, LLC 11 6.78% $4,897
    Plains Commerce Bank 10 6.63% $4,577
    DAS Acquisition Company, LLC 7 6.62% $6,442
    FLAT BRANCH MORTGAGE, INC. 5 6.75% $4,440
    FirstTrust Home Loans, Inc. 5 6.88% $2,543
    Baxter Credit Union 4 6.91% $2,613
    Centennial Bank 4 6.69% $2,997
    Mr. Cooper ( Nationstar Mortgage ) 3 6.50% $7,119
    NAVY FEDERAL CREDIT UNION 3 6.58% $3,269
    First Horizon Bank 3 6.54% $2,212
    JPMorgan Chase Bank 3 7.75% $5,729
    FREEDOM MORTGAGE CORPORATION 3 7.17% $7,078
    U.S. Bank 2 7.25% $8,008
    COMMUNITYAMERICA 2 6.63% $2,772
    LOANDEPOT.COM, LLC 2 6.13% $4,732
    MID AMERICA MORTGAGE, INC. 2 7.25% $5,276
    The Central Trust Bank 2 7.00% $3,762
    The Farmers & Merchants Bank 2 5.87% $1,724
    First National Bank of Waterloo 1 3.95% $1,901
    EVERETT FINANCIAL, INC. 1 7.63% $5,214
    ENCORE BANK 1 1.00% $4,008
    Flagstar Bank, FSB 1 6.50% $5,388
    CORNERSTONE HOME LENDING, INC. 1 7.13% $7,862
    Citizens Bank 1 7.00% $1,891
    GERSHMAN INVESTMENT CORP. 1 6.63% $2,108
    GUARANTEED RATE, INC. 1 6.33% $2,264
    CHURCHILL MORTGAGE CORPORATION 1 7.38% $3,778
    USAA Federal Savings Bank 1 5.88% $3,570
    AMERICAN FINANCIAL NETWORK, INC. 1 6.13% $7,965
    MISSOURI ELECTRIC COOPERATIVES EMPL 1 7.00% $1,629
    MORTGAGE INVESTORS GROUP, INC. 1 6.88% $6,932
    Mortgage Research Center, LLC 1 6.88% $8,055
    Century Mortgage Company DBA Century Lending Company 1 7.63% $3,285
    BROKER SOLUTIONS, INC. 1 7.50% $9,542
    Old National Bank 1 8.13% $4,523
    PENNYMAC LOAN SERVICES, LLC 1 6.00% $6,603
    Bank of England 1 6.13% $2,943
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.99% $1,612
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.88% $7,471
    BancorpSouth 1 5.53% $2,551
    Regions Bank 1 6.50% $2,963
    Simmons Bank 1 6.88% $2,591
    SIRVA MORTGAGE, INC. 1 7.50% $4,358
    Southern Bank 1 6.88% $2,108
    TELCOE FEDERAL CREDIT UNION 1 7.50% $4,700
    Financial Federal Bank 1 6.25% $1,498
    First Financial Bank 1 6.88% $4,496
    Farm Credit Services of Western Arkansas, ACA 1 7.45% $2,766
    First National Bank 1 8.95% $1,399

    Mountain Home Average Closing Costs & Other Stats

    Mountain Home, AR's 52 lenders originated 834 loans during 2023. The total origination value was $151,680,000, with an average loan value of $181,871.

    Mountain Home's average closing costs are $3,686.

    The top Mountain Home lender as defined by loan originations is Arvest Bank, with 37 loans originated. Their average total fees are $2,789, which is $767 lower than the next largest lender, First Community Bank.

    The lowest fee Mountain Home lenders (with over 10 loans originated) are First Security Bank ($2,238), Arvest Bank ($2,789), First Community Bank ($3,556), Plains Commerce Bank ($4,577) and QUICKEN LOANS, LLC ($4,897).

    The lowest rate Mountain Home lenders (with over 10 loans originated) are First Security Bank (6.51%), Plains Commerce Bank (6.63%), Arvest Bank (6.69%), QUICKEN LOANS, LLC (6.78%) and First Community Bank (7.03%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    MID AMERICA MORTGAGE, INC. $38,865,000 $37,895,000 -2.5% 25.0%
    Arvest Bank $23,660,000 $23,765,000 0.4% 15.7%
    Anstaff Bank $20,075,000 $11,500,000 -42.7% 7.6%
    The Farmers & Merchants Bank $5,140,000 $8,625,000 67.8% 5.7%
    First Security Bank $14,025,000 $6,915,000 -50.7% 4.6%
    First Community Bank $19,390,000 $5,640,000 -70.9% 3.7%
    QUICKEN LOANS, LLC $9,675,000 $4,815,000 -50.2% 3.2%
    FNBC Bank $4,995,000 $4,465,000 -10.6% 2.9%
    Plains Commerce Bank $13,280,000 $3,875,000 -70.8% 2.6%
    Southern Bank $290,000 $3,705,000 1,177.6% 2.4%
    DAS Acquisition Company, LLC $5,290,000 $3,030,000 -42.7% 2.0%
    U.S. Bank $3,220,000 $1,980,000 -38.5% 1.3%
    ENCORE BANK $760,000 $1,505,000 98.0% 1.0%
    Mortgage Research Center, LLC $4,460,000 $1,500,000 -66.4% 1.0%
    Mr. Cooper ( Nationstar Mortgage ) $835,000 $1,395,000 67.1% 0.9%
    BancorpSouth $1,180,000 $1,330,000 12.7% 0.9%
    Baxter Credit Union $1,625,000 $1,305,000 -19.7% 0.9%
    FREEDOM MORTGAGE CORPORATION $4,620,000 $1,305,000 -71.8% 0.9%
    FLAT BRANCH MORTGAGE, INC. $1,210,000 n/a 0.8%
    Centennial Bank $1,505,000 $1,195,000 -20.6% 0.8%
    NEW DAY FINANCIAL, LLC $1,295,000 $950,000 -26.6% 0.6%
    NAVY FEDERAL CREDIT UNION $1,535,000 $895,000 -41.7% 0.6%
    FirstTrust Home Loans, Inc. $2,425,000 $870,000 -64.1% 0.6%
    LOANDEPOT.COM, LLC $845,000 $850,000 0.6% 0.6%
    First National Bank of North Arkansas $635,000 $770,000 21.3% 0.5%
    BROKER SOLUTIONS, INC. $755,000 $755,000 0.0% 0.5%
    The Central Trust Bank $740,000 n/a 0.5%
    The First National Bank of Lawrence County at Walnut Ridge $630,000 n/a 0.4%
    First National Bank $2,305,000 $610,000 -73.5% 0.4%
    Bank OZK $630,000 $605,000 -4.0% 0.4%
    COMMUNITYAMERICA $580,000 n/a 0.4%
    JPMorgan Chase Bank $355,000 $575,000 62.0% 0.4%
    PENNYMAC LOAN SERVICES, LLC $1,360,000 $545,000 -59.9% 0.4%
    AMERISAVE MORTGAGE CORPORATION $2,095,000 $510,000 -75.7% 0.3%
    Focus Bank $720,000 $470,000 -34.7% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $310,000 $450,000 45.2% 0.3%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,595,000 $430,000 -73.0% 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $420,000 n/a 0.3%
    NETWORK CAPITAL FUNDING CORPORATION $415,000 n/a 0.3%
    First Horizon Bank $155,000 $375,000 141.9% 0.2%
    Bank of England $765,000 $340,000 -55.6% 0.2%
    GERSHMAN INVESTMENT CORP. $340,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $320,000 n/a 0.2%
    UNITED WHOLESALE MORTGAGE, LLC $2,155,000 $320,000 -85.2% 0.2%
    GUARANTEED RATE, INC. $175,000 $315,000 80.0% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $475,000 $300,000 -36.8% 0.2%
    FCS Financial FLCA $295,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $155,000 $285,000 83.9% 0.2%
    21ST MORTGAGE CORPORATION $595,000 $275,000 -53.8% 0.2%
    GUILD MORTGAGE COMPANY $405,000 $275,000 -32.1% 0.2%
    LONGBRIDGE FINANCIAL, LLC $275,000 n/a 0.2%
    MOVEMENT MORTGAGE, LLC $275,000 n/a 0.2%
    NEWREZ LLC $220,000 $270,000 22.7% 0.2%
    The Union State Bank of Everest $265,000 n/a 0.2%
    Century Mortgage Company DBA Century Lending Company $255,000 n/a 0.2%
    Financial Federal Bank $255,000 n/a 0.2%
    First Service Bank $280,000 $255,000 -8.9% 0.2%
    SIRVA MORTGAGE, INC. $255,000 n/a 0.2%
    Equity Prime Mortgage LLC $250,000 n/a 0.2%
    First National Bank of Waterloo $245,000 n/a 0.2%
    Citizens Bank $375,000 $240,000 -36.0% 0.2%
    CMG MORTGAGE, INC. $410,000 $235,000 -42.7% 0.2%
    First Financial Bank $235,000 n/a 0.2%
    RESIDENTIAL BANCORP $235,000 n/a 0.2%
    USAA Federal Savings Bank $700,000 $230,000 -67.1% 0.2%
    Coastal Community Bank $225,000 n/a 0.1%
    Flagstar Bank, FSB $240,000 $225,000 -6.3% 0.1%
    MORTGAGE INVESTORS GROUP, INC. $225,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $225,000 n/a 0.1%
    Simmons Bank $775,000 $225,000 -71.0% 0.1%
    TELCOE FEDERAL CREDIT UNION $205,000 $225,000 9.8% 0.1%
    EVERETT FINANCIAL, INC. $210,000 n/a 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $210,000 n/a 0.1%
    CORNERSTONE HOME LENDING, INC. $205,000 n/a 0.1%
    MISSOURI ELECTRIC COOPERATIVES EMPL $260,000 $205,000 -21.2% 0.1%
    CLEARPATH LENDING $145,000 $185,000 27.6% 0.1%
    ARKANSAS Federal Credit Union $380,000 $180,000 -52.6% 0.1%
    Discover Bank $55,000 $175,000 218.2% 0.1%
    CIS Financial Services, Inc. $170,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $160,000 n/a 0.1%
    Farm Credit Mid-America, ACA $155,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $145,000 n/a 0.1%
    Old National Bank $135,000 n/a 0.1%
    Fidelity Bank $125,000 n/a 0.1%
    Unico Bank $460,000 $125,000 -72.8% 0.1%
    FINANCE OF AMERICA REVERSE LLC $115,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $105,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,170,000 $105,000 -91.0% 0.1%
    Regions Bank $590,000 $95,000 -83.9% 0.1%
    OCMBC, INC. $85,000 n/a 0.1%
    Cornerstone Bank $75,000 n/a 0.0%
    ROYAL UNITED MORTGAGE LLC $65,000 n/a 0.0%
    TOP FLITE FINANCIAL, INC. $65,000 n/a 0.0%
    Figure Lending LLC $60,000 n/a 0.0%
    Farm Credit Services of Western Arkansas, ACA $55,000 n/a 0.0%
    RUOFF MORTGAGE COMPANY, INC. $45,000 n/a 0.0%
    Lakeview Community Capital, LLC $60,000 $35,000 -41.7% 0.0%
    SPRING EQ, LLC $35,000 n/a 0.0%
    Bank of America $125,000 $25,000 -80.0% 0.0%
    Southern Bancorp Bank $295,000 $25,000 -91.5% 0.0%

    Mountain Home's top lender by overall market share is MID AMERICA MORTGAGE, INC., with 25.0% market share. In second place, with 15.7%, is Arvest Bank, having originated $23,765,000 in loans. In third place, with 7.6%, is Anstaff Bank, having originated $11,500,000 in loans. In fourth place, with 5.7%, is The Farmers & Merchants Bank, having originated $8,625,000 in loans. In fifth place, with 4.6%, is First Security Bank, having originated $6,915,000 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%) $234,551 (10.6%) 0.00 330
    2018-02-01 $157,150 (4.8%) $232,881 (9.0%) 0.00 324
    2018-03-01 $169,900 (6.4%) $240,321 (11.8%) 0.00 331
    2018-04-01 $169,700 (2.4%) $233,483 (4.6%) 0.00 348
    2018-05-01 $170,925 (4.0%) $237,542 (6.6%) 0.00 348
    2018-06-01 $175,500 (9.8%) $248,244 (12.2%) 0.00 351
    2018-07-01 $179,500 (14.0%) $255,019 (17.8%) 0.00 361
    2018-08-01 $182,100 (14.1%) $258,674 (18.6%) 0.00 359
    2018-09-01 $186,250 (13.0%) $261,805 (19.6%) 0.00 358
    2018-10-01 $189,000 (14.6%) $262,421 (19.7%) 0.00 356
    2018-11-01 $189,600 (17.5%) $268,183 (20.1%) 0.00 350
    2018-12-01 $187,500 (14.8%) $264,151 (14.5%) 0.00 317
    2019-01-01 $184,800 (15.6%) $260,864 (11.2%) 0.00 310
    2019-02-01 $189,900 (20.8%) $264,999 (13.8%) 0.00 314
    2019-03-01 $196,371 (15.6%) $270,241 (12.5%) 0.00 308
    2019-04-01 $202,546 (19.4%) $276,177 (18.3%) 0.00 301
    2019-05-01 $195,750 (14.5%) $276,860 (16.6%) 0.00 301
    2019-06-01 $199,000 (13.4%) $282,039 (13.6%) 0.00 304
    2019-07-01 $195,950 (9.2%) $291,396 (14.3%) 0.00 307
    2019-08-01 $194,336 (6.7%) $292,228 (13.0%) 0.00 295
    2019-09-01 $191,841 (3.0%) $286,624 (9.5%) 0.00 295
    2019-10-01 $192,727 (2.0%) $285,862 (8.9%) 0.00 292
    2019-11-01 $195,000 (2.9%) $279,988 (4.4%) 0.00 268
    2019-12-01 $189,900 (1.3%) $282,251 (6.9%) 0.00 249
    2020-01-01 $196,975 (6.6%) $290,339 (11.3%) 0.00 244
    2020-02-01 $199,900 (5.3%) $295,141 (11.4%) 0.00 236
    2020-03-01 $220,950 (12.5%) $305,762 (13.1%) 0.00 230
    2020-04-01 $211,174 (4.3%) $302,045 (9.4%) 0.00 227
    2020-05-01 $229,948 (17.5%) $318,332 (15.0%) 0.00 200
    2020-06-01 $235,425 (18.3%) $321,883 (14.1%) 0.00 184
    2020-07-01 $237,650 (21.3%) $334,631 (14.8%) 0.00 175
    2020-08-01 $244,900 (26.0%) $331,898 (13.6%) 0.00 165
    2020-09-01 $242,450 (26.4%) $342,354 (19.4%) 0.00 156
    2020-10-01 $246,200 (27.8%) $343,982 (20.3%) 0.00 152
    2020-11-01 $238,675 (22.4%) $349,438 (24.8%) 0.00 146
    2020-12-01 $246,175 (29.6%) $355,998 (26.1%) 0.00 148
    2021-01-01 $269,900 (37.0%) $389,894 (34.3%) 0.00 121
    2021-02-01 $269,450 (34.8%) $389,921 (32.1%) 0.00 108
    2021-03-01 $259,900 (17.6%) $383,817 (25.5%) 0.00 95
    2021-04-01 $296,875 (40.6%) $428,307 (41.8%) 0.00 73
    2021-05-01 $243,700 (6.0%) $360,668 (13.3%) 0.00 71
    2021-06-01 $232,425 (-1.3%) $373,770 (16.1%) 0.00 77
    2021-07-01 $229,900 (-3.3%) $359,008 (7.3%) 0.00 95
    2021-08-01 $249,900 (2.0%) $367,651 (10.8%) 0.00 98
    2021-09-01 $261,475 (7.9%) $386,408 (12.9%) 0.00 122
    2021-10-01 $259,900 (5.6%) $394,806 (14.8%) 0.00 129
    2021-11-01 $245,875 (3.0%) $370,099 (5.9%) 0.00 128
    2021-12-01 $218,950 (-11.1%) $356,350 (0.1%) 0.00 110
    2022-01-01 $212,450 (-21.3%) $371,660 (-4.7%) 0.00 105
    2022-02-01 $232,450 (-13.7%) $395,690 (1.5%) 0.00 106
    2022-03-01 $249,450 (-4.0%) $430,767 (12.2%) 0.00 96
    2022-04-01 $249,900 (-15.8%) $423,226 (-1.2%) 0.00 99
    2022-05-01 $257,975 (5.9%) $413,500 (14.7%) 0.00 112
    2022-06-01 $261,950 (12.7%) $418,193 (11.9%) 0.00 118
    2022-07-01 $264,900 (15.2%) $391,825 (9.1%) 0.00 129
    2022-08-01 $272,525 (9.1%) $389,492 (5.9%) 0.00 140
    2022-09-01 $257,325 (-1.6%) $387,716 (0.3%) 0.00 137
    2022-10-01 $250,000 (-3.8%) $374,381 (-5.2%) 0.00 150
    2022-11-01 $255,000 (3.7%) $375,030 (1.3%) 0.00 157
    2022-12-01 $271,250 (23.9%) $388,534 (9.0%) 0.00 133
    2023-01-01 $282,325 (32.9%) $391,639 (5.4%) 0.00 135
    2023-02-01 $279,975 (20.5%) $393,357 (-0.6%) 0.00 123
    2023-03-01 $246,125 (-1.3%) $374,786 (-13.0%) 0.00 123
    2023-04-01 $249,000 (-0.4%) $349,742 (-17.4%) 0.00 114
    2023-05-01 $264,900 (2.7%) $378,714 (-8.4%) 0.00 116
    2023-06-01 $268,725 (2.6%) $375,259 (-10.3%) 0.00 121
    2023-07-01 $260,000 (-1.9%) $361,406 (-7.8%) 0.00 129
    2023-08-01 $272,425 (0.0%) $366,280 (-6.0%) 0.00 155
    2023-09-01 $299,900 (16.6%) $411,439 (6.1%) 0.00 164
    2023-10-01 $289,900 (16.0%) $398,255 (6.4%) 0.00 177
    2023-11-01 $277,400 (8.8%) $370,710 (-1.2%) 0.00 201
    2023-12-01 $274,900 (1.4%) $374,298 (-3.7%) 0.00 210
    2024-01-01 $279,900 (-0.9%) $389,489 (-0.6%) 0.00 202
    2024-02-01 $267,450 (-4.5%) $380,903 (-3.2%) 0.00 196
    2024-03-01 $272,900 (10.9%) $401,688 (7.2%) 0.00 185
    2024-04-01 $267,975 (7.6%) $398,972 (14.1%) 0.00 193
    2024-05-01 $271,850 (2.6%) $391,257 (3.3%) 0.00 192
    2024-06-01 $295,750 (10.1%) $393,401 (4.8%) 0.00 183
    2024-07-01 $289,900 (11.5%) $396,538 (9.7%) 0.00 179
    2024-08-01 $274,900 (0.9%) $386,973 (5.7%) 0.00 195
    2024-09-01 $274,900 (-8.3%) $386,508 (-6.1%) 0.00 216
    2024-10-01 $274,900 (-5.2%) $400,258 (0.5%) 0.00 219
    2024-11-01 $275,000 (-0.9%) $414,422 (11.8%) 0.00 226
    Mountain Home's median listing price for 2024-11-01 was $275,000, a difference of $-2,400 (-0.9%) versus the prior year and $100 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 2024-11-01 was $414,422, a difference of $43,712 (11.8%) versus the prior year and $14,164 versus the prior month.

    For the 2024-11-01 period, Mountain Home had 226 MLS listings, a difference of 7 listings (3%) versus the prior month and 25 listings (12%) 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 1,746 sqft
    2018-02-01 0 days 1,743 sqft
    2018-03-01 0 days 1,765 sqft
    2018-04-01 0 days 1,762 sqft
    2018-05-01 0 days 1,761 sqft
    2018-06-01 0 days 1,765 sqft
    2018-07-01 0 days 1,776 sqft
    2018-08-01 0 days 1,807 sqft
    2018-09-01 0 days 1,847 sqft
    2018-10-01 0 days 1,837 sqft
    2018-11-01 0 days 1,826 sqft
    2018-12-01 0 days 1,821 sqft
    2019-01-01 0 days 1,808 sqft
    2019-02-01 0 days 1,841 sqft
    2019-03-01 0 days 1,848 sqft
    2019-04-01 0 days 1,864 sqft
    2019-05-01 0 days 1,787 sqft
    2019-06-01 0 days 1,840 sqft
    2019-07-01 0 days 1,834 sqft
    2019-08-01 0 days 1,851 sqft
    2019-09-01 0 days 1,823 sqft
    2019-10-01 0 days 1,804 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 2,040 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 1,741 sqft
    2022-02-01 0 days 1,937 sqft
    2022-03-01 0 days 1,978 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 1,848 sqft
    2022-10-01 0 days 1,848 sqft
    2022-11-01 0 days 1,880 sqft
    2022-12-01 0 days 1,825 sqft
    2023-01-01 0 days 1,809 sqft
    2023-02-01 0 days 1,750 sqft
    2023-03-01 0 days 1,695 sqft
    2023-04-01 0 days 1,700 sqft
    2023-05-01 0 days 1,737 sqft
    2023-06-01 0 days 1,735 sqft
    2023-07-01 0 days 1,728 sqft
    2023-08-01 0 days 1,802 sqft
    2023-09-01 0 days 1,911 sqft
    2023-10-01 0 days 1,825 sqft
    2023-11-01 0 days 1,741 sqft
    2023-12-01 0 days 1,701 sqft
    2024-01-01 0 days 1,734 sqft
    2024-02-01 0 days 1,728 sqft
    2024-03-01 0 days 1,716 sqft
    2024-04-01 0 days 1,720 sqft
    2024-05-01 0 days 1,859 sqft
    2024-06-01 0 days 2,000 sqft
    2024-07-01 0 days 1,933 sqft
    2024-08-01 0 days 1,819 sqft
    2024-09-01 0 days 1,799 sqft
    2024-10-01 0 days 1,785 sqft
    2024-11-01 0 days 1,748 sqft
    Mountain Home's median listing age (time on market) for 2024-11-01 was 0 days.

    Mountain Home's median square footage for active listings during the 2024-11-01 period was 1,748 sqft. One year prior, the average listing was 1,741 sqft.

    Mountain Home, AR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 540 $116,210,000 $215,204
    Cash Out Refi 90 $13,290,000 $147,667
    Home Improvement 72 $5,380,000 $74,722
    Other 72 $5,180,000 $71,944
    Refi 60 $11,620,000 $193,667

    Mountain Home's most frequently cited loan purpose was Home Purchase, with 540 originations. The 2nd most popular reason was Cash Out Refi, with 90 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 299 $55,595,000 $185,936
    7-8% 174 $34,470,000 $198,103
    Over 8% 150 $16,390,000 $109,267
    5-6% 115 $23,305,000 $202,652
    4-5% 6 $1,480,000 $246,667
    <2.5% 1 $1,505,000 $1,505,000
    3-4% 1 $245,000 $245,000

    During 2023, Mountain Home's most frequently originated rate bucket was 6-7%, with 299 originations.

    Loan Sizing (Mountain Home, AR MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 326 $48,290,000 $148,129
    $100,000 or less 241 $14,035,000 $58,237
    $200k-400k 222 $58,440,000 $263,243
    $400k-600k 30 $13,780,000 $459,333
    $600k-1000k 10 $7,170,000 $717,000
    $Over $1MM 5 $9,965,000 $1,993,000

    Mountain Home's loan sizing saw the bucket of loans from $100k-200k with 326 originations, totaling $48,290,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 308 $69,830,000 $226,721
    60-80% 176 $38,140,000 $216,705
    20-40% 107 $8,825,000 $82,477
    40-60% 85 $11,735,000 $138,059
    Under 20% 60 $2,230,000 $37,167
    Over 100% 10 $2,230,000 $223,000

    Mountain Home's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 308 originations, totaling $69,830,000 in origination value.