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 6.56% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.58% and one month ago for the week of 2025-03-06, the average rate was 6.77%.

    Mountain Home's average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.62%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Mountain Home 30 Year Fixed Rate 2025-04-10 6.56%
    Mountain Home 30 Year Fixed Rate Refi 2025-04-10 6.62%
    Mountain Home 15 Year Fixed Rate 2025-04-10 5.72%
    Mountain Home 15 Year Fixed Rate Refi 2025-04-10 5.82%
    Mountain Home 30 Year FHA 2025-04-10 6.23%
    Mountain Home 30 Year FHA Refi 2025-04-10 6.43%
    Mountain Home 30 Year USDA 2025-04-10 6.35%
    Mountain Home 30 Year USDA Refi 2025-04-10 6.45%
    Mountain Home 30 Year VA 2025-04-10 6.49%
    Mountain Home 30 Year VA Refi 2025-04-10 6.29%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Arvest Bank 55 6.88% $3,425
    QUICKEN LOANS, LLC 25 6.78% $6,263
    First Security Bank 23 6.45% $2,661
    First Community Bank 8 6.91% $4,385
    DAS Acquisition Company, LLC 8 6.59% $3,488
    U.S. Bank 7 6.84% $3,031
    Plains Commerce Bank 6 6.63% $3,948
    NEWREZ LLC 4 7.09% $5,282
    LOANDEPOT.COM, LLC 3 6.58% $5,307
    Truist 3 6.48% $2,401
    Bank OZK 3 7.08% $2,297
    FLAT BRANCH MORTGAGE, INC. 2 6.31% $2,561
    ENDEAVOR CAPITAL, LLC. 2 6.88% $5,216
    Mr. Cooper ( Nationstar Mortgage ) 2 7.50% $6,262
    FREEDOM MORTGAGE CORPORATION 2 7.31% $6,072
    PENNYMAC LOAN SERVICES, LLC 2 6.81% $4,187
    Baxter Credit Union 2 6.50% $2,374
    GUARANTEED RATE, INC. 2 6.56% $3,598
    ROYAL UNITED MORTGAGE LLC 2 7.69% $4,955
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 7.00% $4,910
    Simmons Bank 2 8.38% $2,966
    Southern Bank 2 8.06% $1,866
    Centennial Bank 2 6.75% $2,602
    MORIA DEVELOPMENT, INC. 1 7.99% $4,744
    MORTGAGE INVESTORS GROUP, INC. 1 6.38% $2,829
    NAVY FEDERAL CREDIT UNION 1 6.75% $1,156
    Regions Bank 1 6.63% $3,004
    Renasant Bank 1 7.00% $8,130
    RESIDENTIAL BANCORP 1 7.13% $3,624
    Sierra Pacific Mortgage Company, Inc. 1 6.99% $3,273
    SUCCESS Federal Credit Union 1 7.62% $0
    The Farmers & Merchants Bank 1 6.75% $2,547
    TOGETHER CREDIT UNION 1 5.88% $2,621
    UNITED WHOLESALE MORTGAGE, LLC 1 6.62% $8,967
    USAA Federal Savings Bank 1 6.88% $2,881
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.50% $6,777
    Access Bank 1 7.13% $3,030
    ZILLOW HOME LOANS, LLC 1 8.13% $3,690
    Ally Bank 1 6.63% $692
    Amarillo National Bank 1 6.88% $4,246
    ARKANSAS Federal Credit Union 1 6.13% $3,798
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.50% $3,843
    ASSEMBLIES OF GOD Credit Union 1 6.99% $1,860
    BancorpSouth 1 5.63% $6,294
    Bank of England 1 7.13% $3,561
    BMO Harris Bank 1 7.50% $4,095
    CMG MORTGAGE, INC. 1 7.38% $3,907
    ENVOY MORTGAGE, LTD 1 7.38% $4,408
    Equity Prime Mortgage LLC 1 7.63% $5,470
    FCS Financial FLCA 1 7.10% $2,211
    First Financial Bank 1 7.00% $1,094
    First National Bank of America 1 10.38% $4,899
    FIRST STATE MORTGAGE SERVICES, LLC 1 7.13% $3,096
    Great Southern Bank 1 6.88% $2,508
    GUILD MORTGAGE COMPANY 1 6.50% $2,948
    HOMESIDE FINANCIAL, LLC 1 6.00% $5,920
    JPMorgan Chase Bank 1 6.63% $2,547
    JUSTICE Federal Credit Union 1 6.88% $1,772
    Mazuma Credit Union 1 7.50% $2,289
    Midwest BankCentre 1 5.99% $2,287

    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 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 $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 (-1.3%) $374,786 (-13.0%) 0.00 123
    2023-04-01 $249,000 (-0.4%) $349,742 (-17.4%) 0.00 114
    2023-05-01 $267,400 (3.1%) $380,219 (-8.1%) 0.00 117
    2023-06-01 $270,325 (1.7%) $376,706 (-10.0%) 0.00 122
    2023-07-01 $261,000 (-2.2%) $362,931 (-7.1%) 0.00 130
    2023-08-01 $272,400 (-0.5%) $365,853 (-6.2%) 0.00 155
    2023-09-01 $299,900 (16.6%) $412,282 (6.3%) 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 $281,950 (3.9%) $374,603 (-3.6%) 0.00 211
    2024-01-01 $281,175 (-0.4%) $389,722 (-0.5%) 0.00 203
    2024-02-01 $268,675 (-4.0%) $381,047 (-3.1%) 0.00 196
    2024-03-01 $274,900 (11.7%) $402,145 (7.3%) 0.00 186
    2024-04-01 $268,950 (8.0%) $399,259 (14.2%) 0.00 194
    2024-05-01 $264,350 (-1.1%) $386,363 (1.6%) 0.00 193
    2024-06-01 $284,900 (5.4%) $386,352 (2.6%) 0.00 183
    2024-07-01 $289,900 (11.1%) $396,538 (9.3%) 0.00 179
    2024-08-01 $274,900 (0.9%) $386,973 (5.8%) 0.00 195
    2024-09-01 $274,900 (-8.3%) $386,508 (-6.3%) 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
    2024-12-01 $280,350 (-0.6%) $419,561 (12.0%) 0.00 229
    2025-01-01 $275,000 (-2.2%) $413,990 (6.2%) 0.00 230
    2025-02-01 $275,000 (2.4%) $407,744 (7.0%) 0.00 225
    2025-03-01 $284,900 (3.6%) $406,739 (1.1%) 0.00 237
    Mountain Home's median listing price for 2025-03-01 was $284,900, a difference of $10,000 (3.6%) versus the prior year and $9,900 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 2025-03-01 was $406,739, a difference of $4,594 (1.1%) versus the prior year and $-1,005 versus the prior month.

    For the 2025-03-01 period, Mountain Home had 237 MLS listings, a difference of 12 listings (5%) versus the prior month and 51 listings (27%) 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 1,800 sqft
    2018-02-01 0 days 1,786 sqft
    2018-03-01 0 days 1,770 sqft
    2018-04-01 0 days 1,765 sqft
    2018-05-01 0 days 1,765 sqft
    2018-06-01 0 days 1,765 sqft
    2018-07-01 0 days 1,780 sqft
    2018-08-01 0 days 1,811 sqft
    2018-09-01 0 days 1,861 sqft
    2018-10-01 0 days 1,850 sqft
    2018-11-01 0 days 1,843 sqft
    2018-12-01 0 days 1,850 sqft
    2019-01-01 0 days 1,826 sqft
    2019-02-01 0 days 1,865 sqft
    2019-03-01 0 days 1,877 sqft
    2019-04-01 0 days 1,891 sqft
    2019-05-01 0 days 1,807 sqft
    2019-06-01 0 days 1,864 sqft
    2019-07-01 0 days 1,828 sqft
    2019-08-01 0 days 1,847 sqft
    2019-09-01 0 days 1,821 sqft
    2019-10-01 0 days 1,843 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 1,961 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 1,700 sqft
    2023-05-01 0 days 1,739 sqft
    2023-06-01 0 days 1,741 sqft
    2023-07-01 0 days 1,733 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 1,702 sqft
    2024-01-01 0 days 1,727 sqft
    2024-02-01 0 days 1,723 sqft
    2024-03-01 0 days 1,710 sqft
    2024-04-01 0 days 1,717 sqft
    2024-05-01 0 days 1,827 sqft
    2024-06-01 0 days 1,940 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
    2024-12-01 0 days 1,768 sqft
    2025-01-01 0 days 1,745 sqft
    2025-02-01 0 days 1,742 sqft
    2025-03-01 0 days 1,786 sqft
    Mountain Home's median listing age (time on market) for 2025-03-01 was 0 days.

    Mountain Home's median square footage for active listings during the 2025-03-01 period was 1,786 sqft. One year prior, the average listing was 1,710 sqft.

    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.