Mountain Home Mortgage Rates & Closing Costs

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.