Mountain Home Mortgage Rates & Closing Costs

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  • Trends
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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 5.93% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

    The average rate for the prior week (2023-05-18) was 5.85% and one month ago for the week of 2023-04-20, the average rate was 6.15%.

    Mountain Home's average rate one year ago was 4.81%.

    For refis of the same type during the week of 2023-05-25, the average rate was 6.87%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-05-25 6.57%
    Mountain Home 30 Year Fixed Rate 2023-05-25 5.93%
    Mountain Home 30 Year Fixed Rate Refi 2023-05-25 6.87%
    Mountain Home 15 Year Fixed Rate 2023-05-25 6.17%
    Mountain Home 15 Year Fixed Rate Refi 2023-05-25 6.47%
    Mountain Home 30 Year FHA 2023-05-25 6.71%
    Mountain Home 30 Year FHA Refi 2023-05-25 6.71%
    Mountain Home 30 Year USDA 2023-05-25 6.53%
    Mountain Home 30 Year USDA Refi 2023-05-25 6.83%
    Mountain Home 30 Year VA 2023-05-25 6.41%
    Mountain Home 30 Year VA Refi 2023-05-25 6.61%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Arvest Bank 65 4.65% $2,926
    Plains Commerce Bank 65 4.31% $3,914
    First Security Bank 36 4.92% $2,514
    QUICKEN LOANS, LLC 31 4.70% $5,471
    First Community Bank 20 4.85% $3,065
    DAS Acquisition Company, LLC 11 5.64% $4,987
    Wells Fargo Bank 10 5.08% $4,465
    U.S. Bank 9 5.14% $2,724
    FREEDOM MORTGAGE CORPORATION 7 4.70% $5,224
    UNITED WHOLESALE MORTGAGE, LLC 6 5.04% $5,026
    FirstTrust Home Loans, Inc. 6 5.29% $3,083
    AMERISAVE MORTGAGE CORPORATION 6 4.98% $5,256
    Baxter Credit Union 4 4.66% $2,266
    Bank of England 4 5.63% $4,258
    First National Bank 4 4.49% $1,306
    The Farmers & Merchants Bank 4 3.68% $2,027
    LOANDEPOT.COM, LLC 4 4.69% $4,592
    PENNYMAC LOAN SERVICES, LLC 4 4.41% $5,202
    ENCORE BANK 3 4.90% $2,608
    Mr. Cooper ( Nationstar Mortgage ) 3 4.87% $5,455
    BROKER SOLUTIONS, INC. 3 6.58% $5,365
    Simmons Bank 3 3.96% $2,945
    JPMorgan Chase Bank 3 4.33% $2,576
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 4.58% $6,367
    PENTAGON FEDERAL CREDIT UNION 2 4.31% $2,527
    Bank OZK 2 5.44% $1,511
    Northpointe Bank 2 4.50% $2,858
    CITIZENS EQUITY FIRST 2 3.69% $2,357
    Eagle Bank and Trust Company 2 5.31% $4,260
    Centennial Bank 2 5.81% $2,505
    Mortgage Research Center, LLC 2 5.31% $2,446
    BANK OF LITTLE ROCK MORTGAGE CORPORATION 2 3.56% $2,134
    Regions Bank 2 5.63% $2,599
    CALIBER HOME LOANS, INC. 2 4.18% $3,902
    PNC Bank 1 3.75% $2,211
    Southern Bank 1 5.25% $2,357
    STOCKTON MORTGAGE CORPORATION 1 4.13% $3,242
    The Home Loan Expert LLC 1 3.50% $2,091
    United Community Bank 1 7.49% $2,762
    USAA Federal Savings Bank 1 5.13% $2,910
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.75% $7,798
    Flagstar Bank, FSB 1 5.24% $3,710
    ADVANCIAL 1 6.50% $4,250
    AmeriHome Mortgage Company, LLC 1 4.00% $4,751
    Ameris Bank 1 6.38% $2,234
    ARKANSAS Federal Credit Union 1 4.00% $3,908
    BancorpSouth Bank 1 4.88% $7,529
    BAY EQUITY LLC 1 6.63% $5,042
    BETTER MORTGAGE CORPORATION 1 3.25% $895
    Central Bank Illinois 1 6.00% $1,814
    CHURCHILL MORTGAGE CORPORATION 1 4.88% $2,471
    Citizens Bank 1 6.88% $4,173
    CMG MORTGAGE, INC. 1 3.50% $3,721
    Commerce Bank 1 3.00% $3,517
    DEEPHAVEN MORTGAGE LLC 1 7.88% $4,199
    DELMAR FINANCIAL COMPANY 1 5.13% $2,205
    Evolve Bank & Trust 1 5.50% $2,833
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.13% $2,174
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 5.88% $4,470
    First State Community Bank 1 5.35% $1,449
    First Western Trust Bank 1 5.25% $4,443
    ACADEMY MORTGAGE CORPORATION 1 6.00% $6,145
    Gateway First Bank 1 5.63% $5,156
    Great Southern Bank 1 5.13% $2,492
    GUARANTEED RATE, INC. 1 6.13% $2,611
    KINECTA 1 4.88% $4,893
    LAKEVIEW LOAN SERVICING, LLC 1 3.99% $3,007
    LOANPEOPLE, LLC 1 6.38% $3,959
    MISSOURI ELECTRIC COOPERATIVES EMPL 1 4.00% $1,575
    MORIA DEVELOPMENT, INC. 1 5.25% $6,033
    M&T Bank 1 5.25% $3,739
    NAVY FEDERAL CREDIT UNION 1 3.50% $2,678
    NBKC BANK 1 5.88% $2,295
    NEWREZ LLC 1 7.13% $4,694
    Origin Bank 1 4.25% $2,572

    Mountain Home Average Closing Costs & Other Stats

    Mountain Home, AR's 75 lenders originated 1,264 loans during 2022. The total origination value was $221,830,000, with an average loan value of $175,498.

    Mountain Home's average closing costs are $3,568.

    The top Mountain Home lender as defined by loan originations is Arvest Bank, with 65 loans originated. Their average total fees are $2,926, which is $988 lower than the next largest lender, Plains Commerce Bank.

    The lowest fee Mountain Home lenders (with over 10 loans originated) are First Security Bank ($2,514), Arvest Bank ($2,926), First Community Bank ($3,065), Plains Commerce Bank ($3,914) and Wells Fargo Bank ($4,465).

    The lowest rate Mountain Home lenders (with over 10 loans originated) are Plains Commerce Bank (4.31%), Arvest Bank (4.65%), QUICKEN LOANS, LLC (4.70%), First Community Bank (4.85%) and First Security Bank (4.92%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    MID AMERICA MORTGAGE, INC. $22,510,000 $38,865,000 72.7% 17.5%
    Arvest Bank $27,220,000 $23,660,000 -13.1% 10.7%
    Anstaff Bank $13,970,000 $20,075,000 43.7% 9.0%
    First Community Bank $13,890,000 $19,390,000 39.6% 8.7%
    First Security Bank $16,760,000 $14,025,000 -16.3% 6.3%
    Plains Commerce Bank $53,420,000 $13,280,000 -75.1% 6.0%
    QUICKEN LOANS, LLC $17,430,000 $9,675,000 -44.5% 4.4%
    DAS Acquisition Company, LLC $3,200,000 $5,290,000 65.3% 2.4%
    The Farmers & Merchants Bank $9,990,000 $5,140,000 -48.5% 2.3%
    FNBC Bank $4,150,000 $4,995,000 20.4% 2.3%
    FREEDOM MORTGAGE CORPORATION $21,500,000 $4,620,000 -78.5% 2.1%
    Mortgage Research Center, LLC $4,880,000 $4,460,000 -8.6% 2.0%
    U.S. Bank $4,955,000 $3,220,000 -35.0% 1.5%
    Signature Bank of Arkansas $85,000 $2,565,000 2,917.6% 1.2%
    FirstTrust Home Loans, Inc. $4,640,000 $2,425,000 -47.7% 1.1%
    First National Bank $1,120,000 $2,305,000 105.8% 1.0%
    UNITED WHOLESALE MORTGAGE, LLC $215,000 $2,155,000 902.3% 1.0%
    AMERISAVE MORTGAGE CORPORATION $2,080,000 $2,095,000 0.7% 0.9%
    Wells Fargo Bank $3,275,000 $1,770,000 -46.0% 0.8%
    Baxter Credit Union $4,220,000 $1,625,000 -61.5% 0.7%
    PNC Bank $1,320,000 $1,620,000 22.7% 0.7%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $3,540,000 $1,595,000 -54.9% 0.7%
    NAVY FEDERAL CREDIT UNION $1,460,000 $1,535,000 5.1% 0.7%
    Centennial Bank $3,350,000 $1,505,000 -55.1% 0.7%
    PENNYMAC LOAN SERVICES, LLC $3,055,000 $1,360,000 -55.5% 0.6%
    NEW DAY FINANCIAL, LLC $2,165,000 $1,295,000 -40.2% 0.6%
    BancorpSouth Bank $350,000 $1,180,000 237.1% 0.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $455,000 $1,170,000 157.1% 0.5%
    CALIBER HOME LOANS, INC. $975,000 $1,130,000 15.9% 0.5%
    LOANDEPOT.COM, LLC $2,115,000 $845,000 -60.0% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $1,720,000 $835,000 -51.5% 0.4%
    Simmons Bank $2,690,000 $775,000 -71.2% 0.3%
    Bank of England $1,205,000 $765,000 -36.5% 0.3%
    ENCORE BANK $990,000 $760,000 -23.2% 0.3%
    BROKER SOLUTIONS, INC. $215,000 $755,000 251.2% 0.3%
    Focus Bank $940,000 $720,000 -23.4% 0.3%
    USAA Federal Savings Bank $880,000 $700,000 -20.5% 0.3%
    First National Bank of North Arkansas $1,020,000 $635,000 -37.7% 0.3%
    Bank OZK $1,350,000 $630,000 -53.3% 0.3%
    21ST MORTGAGE CORPORATION $580,000 $595,000 2.6% 0.3%
    North American Savings Bank, F.S.B. $185,000 $595,000 221.6% 0.3%
    Regions Bank $705,000 $590,000 -16.3% 0.3%
    Commerce Bank $585,000 n/a 0.3%
    Eagle Bank and Trust Company $535,000 n/a 0.2%
    Origin Bank $510,000 n/a 0.2%
    LAKEVIEW LOAN SERVICING, LLC $1,370,000 $475,000 -65.3% 0.2%
    Unico Bank $795,000 $460,000 -42.1% 0.2%
    Northpointe Bank $450,000 n/a 0.2%
    Gateway First Bank $1,005,000 $440,000 -56.2% 0.2%
    Buena Vista National Bank $425,000 n/a 0.2%
    GMFS LLC $415,000 n/a 0.2%
    CMG MORTGAGE, INC. $410,000 n/a 0.2%
    First State Community Bank $410,000 n/a 0.2%
    ACADEMY MORTGAGE CORPORATION $435,000 $405,000 -6.9% 0.2%
    GUILD MORTGAGE COMPANY $1,455,000 $405,000 -72.2% 0.2%
    Chambers Bank $395,000 n/a 0.2%
    ARKANSAS Federal Credit Union $395,000 $380,000 -3.8% 0.2%
    Citizens Bank $375,000 n/a 0.2%
    DELMAR FINANCIAL COMPANY $375,000 n/a 0.2%
    JPMorgan Chase Bank $1,320,000 $355,000 -73.1% 0.2%
    PENTAGON FEDERAL CREDIT UNION $175,000 $340,000 94.3% 0.2%
    MORIA DEVELOPMENT, INC. $320,000 n/a 0.1%
    TJC Mortgage, Inc. $620,000 $315,000 -49.2% 0.1%
    Ameris Bank $310,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $255,000 $310,000 21.6% 0.1%
    Southern Bancorp Bank $295,000 n/a 0.1%
    Southern Bank $130,000 $290,000 123.1% 0.1%
    First Service Bank $505,000 $280,000 -44.6% 0.1%
    POLARIS HOME FUNDING CORP. $280,000 n/a 0.1%
    SOVEREIGN LENDING GROUP INCORPORATED $275,000 n/a 0.1%
    MISSOURI ELECTRIC COOPERATIVES EMPL $260,000 n/a 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $270,000 $255,000 -5.6% 0.1%
    CITIZENS EQUITY FIRST $105,000 $250,000 138.1% 0.1%
    Flagstar Bank, FSB $510,000 $240,000 -52.9% 0.1%
    ENDEAVOR CAPITAL, LLC. $115,000 $235,000 104.3% 0.1%
    PLANET HOME LENDING, LLC $205,000 $235,000 14.6% 0.1%
    STOCKTON MORTGAGE CORPORATION $235,000 n/a 0.1%
    VANTAGE Credit Union $235,000 n/a 0.1%
    NEWREZ LLC $405,000 $220,000 -45.7% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $205,000 n/a 0.1%
    KINECTA $205,000 n/a 0.1%
    TELCOE FEDERAL CREDIT UNION $600,000 $205,000 -65.8% 0.1%
    The Nodaway Valley Bank $205,000 n/a 0.1%
    DEEPHAVEN MORTGAGE LLC $195,000 n/a 0.1%
    First Western Trust Bank $195,000 n/a 0.1%
    Great Southern Bank $175,000 n/a 0.1%
    GUARANTEED RATE, INC. $230,000 $175,000 -23.9% 0.1%
    AMERICAN FINANCING CORPORATION $210,000 $170,000 -19.0% 0.1%
    BANK OF LITTLE ROCK MORTGAGE CORPORATION $170,000 n/a 0.1%
    Bank of Bartlett $165,000 n/a 0.1%
    SWBC MORTGAGE CORPORATION $225,000 $165,000 -26.7% 0.1%
    CHURCHILL MORTGAGE CORPORATION $190,000 $155,000 -18.4% 0.1%
    First Horizon Bank $290,000 $155,000 -46.6% 0.1%
    NBKC BANK $155,000 n/a 0.1%
    CLEARPATH LENDING $125,000 $145,000 16.0% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $135,000 $145,000 7.4% 0.1%
    WILLOW BEND MORTGAGE COMPANY, LLC $145,000 n/a 0.1%
    ADVANCIAL $135,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $115,000 $135,000 17.4% 0.1%
    FIRST INTEGRITY MORTGAGE SERVICES, INC. $135,000 n/a 0.1%
    M&T Bank $135,000 n/a 0.1%
    NFM, INC. $135,000 n/a 0.1%
    Sierra Pacific Mortgage Company, Inc. $135,000 n/a 0.1%
    Bank of America $485,000 $125,000 -74.2% 0.1%
    The Home Loan Expert LLC $155,000 $120,000 -22.6% 0.1%
    AmeriHome Mortgage Company, LLC $115,000 n/a 0.1%
    BAY EQUITY LLC $105,000 n/a 0.0%
    LOANPEOPLE, LLC $105,000 n/a 0.0%
    Truist $105,000 n/a 0.0%
    Central Bank Illinois $85,000 n/a 0.0%
    United Community Bank $85,000 n/a 0.0%
    Evolve Bank & Trust $75,000 n/a 0.0%
    Equity Bank $135,000 $65,000 -51.9% 0.0%
    KeyBank $65,000 n/a 0.0%
    Orion Federal Credit Union $65,000 n/a 0.0%
    Lakeview Community Capital, LLC $60,000 n/a 0.0%
    Discover Bank $130,000 $55,000 -57.7% 0.0%
    ITHINK FINANCIAL Credit Union $45,000 n/a 0.0%
    SUCCESS Federal Credit Union $420,000 $45,000 -89.3% 0.0%

    Mountain Home's top lender by overall market share is MID AMERICA MORTGAGE, INC., with 17.5% market share. In second place, with 10.7%, is Arvest Bank, having originated $23,660,000 in loans. In third place, with 9.0%, is Anstaff Bank, having originated $20,075,000 in loans. In fourth place, with 8.7%, is First Community Bank, having originated $19,390,000 in loans. In fifth place, with 6.3%, is First Security Bank, having originated $14,025,000 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 $192,700 (13.9%) $260,991 (8.8%) 0.00 314
    2019-04-01 $199,700 (17.9%) $275,305 (18.1%) 0.00 304
    2019-05-01 $194,625 (13.9%) $276,172 (16.3%) 0.00 302
    2019-06-01 $199,000 (13.4%) $281,343 (13.3%) 0.00 305
    2019-07-01 $195,950 (9.2%) $291,396 (14.3%) 0.00 307
    2019-08-01 $199,900 (9.8%) $302,482 (16.9%) 0.00 288
    2019-09-01 $197,450 (6.0%) $301,035 (15.0%) 0.00 287
    2019-10-01 $192,450 (1.8%) $285,239 (8.7%) 0.00 292
    2019-11-01 $195,000 (2.9%) $279,988 (4.5%) 0.00 268
    2019-12-01 $189,900 (2.0%) $282,251 (7.1%) 0.00 249
    2020-01-01 $196,975 (6.7%) $290,339 (11.5%) 0.00 244
    2020-02-01 $199,900 (5.3%) $295,141 (11.6%) 0.00 236
    2020-03-01 $220,950 (14.7%) $305,459 (17.0%) 0.00 230
    2020-04-01 $207,400 (3.9%) $301,402 (9.5%) 0.00 228
    2020-05-01 $229,900 (18.1%) $317,519 (15.0%) 0.00 201
    2020-06-01 $233,450 (17.3%) $321,032 (14.1%) 0.00 185
    2020-07-01 $237,650 (21.3%) $335,122 (15.0%) 0.00 176
    2020-08-01 $244,900 (22.5%) $332,376 (9.9%) 0.00 165
    2020-09-01 $242,450 (22.8%) $342,892 (13.9%) 0.00 156
    2020-10-01 $246,200 (27.9%) $344,548 (20.8%) 0.00 152
    2020-11-01 $238,675 (22.4%) $350,044 (25.0%) 0.00 146
    2020-12-01 $246,175 (29.6%) $356,297 (26.2%) 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 (25.7%) 0.00 95
    2021-04-01 $296,875 (43.1%) $428,307 (42.1%) 0.00 73
    2021-05-01 $243,700 (6.0%) $360,668 (13.6%) 0.00 71
    2021-06-01 $232,425 (-0.4%) $373,770 (16.4%) 0.00 77
    2021-07-01 $229,900 (-3.3%) $359,008 (7.1%) 0.00 95
    2021-08-01 $249,900 (2.0%) $367,651 (10.6%) 0.00 98
    2021-09-01 $261,475 (7.9%) $386,408 (12.7%) 0.00 122
    2021-10-01 $259,900 (5.6%) $394,806 (14.6%) 0.00 129
    2021-11-01 $245,875 (3.0%) $370,099 (5.7%) 0.00 128
    2021-12-01 $218,950 (-11.1%) $356,350 (0.0%) 0.00 110
    2022-01-01 $212,450 (-21.3%) $371,660 (-4.7%) 0.00 106
    2022-02-01 $232,450 (-13.7%) $395,690 (1.5%) 0.00 106
    2022-03-01 $249,699 (-3.9%) $430,767 (12.2%) 0.00 96
    2022-04-01 $249,948 (-15.8%) $423,208 (-1.2%) 0.00 99
    2022-05-01 $259,250 (6.4%) $413,850 (14.8%) 0.00 112
    2022-06-01 $265,825 (14.4%) $418,664 (12.0%) 0.00 119
    2022-07-01 $266,950 (16.1%) $390,633 (8.8%) 0.00 130
    2022-08-01 $273,775 (9.6%) $390,009 (6.1%) 0.00 141
    2022-09-01 $257,325 (-1.6%) $387,970 (0.4%) 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 (-1.4%) $374,786 (-13.0%) 0.00 123
    2023-04-01 $249,450 (-0.2%) $349,742 (-17.4%) 0.00 114
    Mountain Home's median listing price for 2023-04-01 was $249,450, a difference of $-498 (-0.2%) versus the prior year and $3,325 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 2023-04-01 was $349,742, a difference of $-73,466 (-17.4%) versus the prior year and $-25,044 versus the prior month.

    For the 2023-04-01 period, Mountain Home had 114 MLS listings, a difference of -9 listings (-7%) versus the prior month and 15 listings (15%) 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 1,778 sqft
    2018-02-01 0 days 1,741 sqft
    2018-03-01 0 days 1,763 sqft
    2018-04-01 0 days 1,753 sqft
    2018-05-01 0 days 1,764 sqft
    2018-06-01 0 days 1,753 sqft
    2018-07-01 0 days 1,789 sqft
    2018-08-01 0 days 1,837 sqft
    2018-09-01 0 days 1,880 sqft
    2018-10-01 0 days 1,866 sqft
    2018-11-01 0 days 1,877 sqft
    2018-12-01 0 days 1,863 sqft
    2019-01-01 0 days 1,842 sqft
    2019-02-01 0 days 1,875 sqft
    2019-03-01 0 days 1,810 sqft
    2019-04-01 0 days 1,900 sqft
    2019-05-01 0 days 1,899 sqft
    2019-06-01 0 days 1,900 sqft
    2019-07-01 0 days 1,900 sqft
    2019-08-01 0 days 1,900 sqft
    2019-09-01 0 days 1,885 sqft
    2019-10-01 0 days 1,849 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 1,961 sqft
    2022-06-01 0 days 1,840 sqft
    2022-07-01 0 days 1,794 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
    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 1,695 sqft
    Mountain Home's median listing age (time on market) for 2023-04-01 was 0 days.

    Mountain Home's median square footage for active listings during the 2023-04-01 period was 1,695 sqft. One year prior, the average listing was 1,895 sqft.

    Mountain Home, AR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 746 $142,080,000 $190,456
    Cash Out Refi 196 $32,320,000 $164,898
    Refi 177 $34,585,000 $195,395
    Home Improvement 78 $6,740,000 $86,410
    Other 67 $6,105,000 $91,119

    Mountain Home's most frequently cited loan purpose was Home Purchase, with 746 originations. The 2nd most popular reason was Cash Out Refi, with 196 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    4-5% 311 $58,245,000 $187,283
    5-6% 282 $46,460,000 $164,752
    3-4% 267 $49,525,000 $185,487
    6-7% 122 $17,460,000 $143,115
    2.5-3% 61 $11,565,000 $189,590
    7-8% 49 $5,495,000 $112,143
    Over 8% 20 $1,420,000 $71,000
    <2.5% 15 $3,465,000 $231,000

    During 2022, Mountain Home's most frequently originated rate bucket was 4-5%, with 311 originations.

    Loan Sizing (Mountain Home, AR MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 598 $86,660,000 $144,916
    $100,000 or less 335 $20,565,000 $61,388
    $200k-400k 279 $73,635,000 $263,925
    $400k-600k 31 $14,895,000 $480,484
    $600k-1000k 12 $8,070,000 $672,500
    $Over $1MM 9 $18,005,000 $2,000,556

    Mountain Home's loan sizing saw the bucket of loans from $100k-200k with 598 originations, totaling $86,660,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 479 $94,165,000 $196,587
    60-80% 327 $65,185,000 $199,343
    40-60% 147 $20,155,000 $137,109
    20-40% 102 $8,210,000 $80,490
    Under 20% 56 $2,060,000 $36,786
    Over 100% 12 $3,330,000 $277,500

    Mountain Home's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 479 originations, totaling $94,165,000 in origination value.