Russellville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Russellville averaged
6.8%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.03% and
one month ago for the week of 2025-05-15, the
average rate was 6.9%.
Russellville's average rate one year ago was 7.24%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Russellville 30 Year Fixed Rate | 2025-06-18 | 6.8% |
| Russellville 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Russellville 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Russellville 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Russellville 30 Year FHA | 2025-06-18 | -0.1% |
| Russellville 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Russellville 30 Year USDA | 2025-06-18 | 0.2% |
| Russellville 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Russellville 30 Year VA | 2025-06-18 | 0.43% |
| Russellville 30 Year VA Refi | 2025-06-18 | 0.1% |
Russellville 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 Russellville, 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.).
Russellville Average Closing Costs & Other Stats
Russellville, AR's 70 lenders originated 1,437
loans during 2024. The total origination value was $229,775,000, with an average loan value of
$159,899.
Russellville's average closing costs are $4,068.
The top Russellville lender as defined by loan originations is Arvest Bank, with
112 loans originated. Their average total fees are
$3,589, which is $76
higher than the next largest lender,
Centennial Bank.
The lowest fee Russellville lenders (with over 10 loans originated) are
First Security Bank ($2,206), Simmons Bank ($2,483), PLANET HOME LENDING, LLC ($3,186), Centennial Bank ($3,513) and Arvest Bank ($3,589).
The lowest rate Russellville lenders (with over 10 loans originated) are
First Security Bank (6.41%), PLANET HOME LENDING, LLC (6.53%), Chambers Bank (6.56%), QUICKEN LOANS, LLC (6.67%) and Centennial Bank (6.83%).
Russellville, 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 |
|---|---|---|---|---|
| Arvest Bank | $43,260,000 | $42,385,000 | -2.0% | 18.4% |
| QUICKEN LOANS, LLC | $11,525,000 | $14,045,000 | 21.9% | 6.1% |
| Centennial Bank | $7,665,000 | $10,840,000 | 41.4% | 4.7% |
| Mortgage Research Center, LLC | $4,550,000 | $10,665,000 | 134.4% | 4.6% |
| Chambers Bank | $9,360,000 | $9,460,000 | 1.1% | 4.1% |
| First Security Bank | $7,370,000 | $8,485,000 | 15.1% | 3.7% |
| GMFS LLC | $8,210,000 | $6,150,000 | -25.1% | 2.7% |
| American Mortgage & Equity Consultants, Inc. | $5,735,000 | n/a | 2.5% | |
| Regions Bank | $4,885,000 | $5,395,000 | 10.4% | 2.3% |
| Simmons Bank | $6,210,000 | $5,180,000 | -16.6% | 2.3% |
| Bank OZK | $1,210,000 | $4,885,000 | 303.7% | 2.1% |
| Diamond Bank | $4,130,000 | $4,330,000 | 4.8% | 1.9% |
| PLANET HOME LENDING, LLC | $3,805,000 | $4,220,000 | 10.9% | 1.8% |
| UNION HOME MORTGAGE CORP. | $3,925,000 | $3,090,000 | -21.3% | 1.3% |
| U.S. Bank | $2,725,000 | $2,950,000 | 8.3% | 1.3% |
| CORNERSTONE HOME LENDING, INC. | $6,120,000 | $2,900,000 | -52.6% | 1.3% |
| 21ST MORTGAGE CORPORATION | $2,745,000 | $2,680,000 | -2.4% | 1.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,015,000 | $2,525,000 | 148.8% | 1.1% |
| USAA Federal Savings Bank | $1,355,000 | $2,420,000 | 78.6% | 1.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,275,000 | n/a | 1.0% | |
| Eagle Bank and Trust Company | $2,445,000 | $2,220,000 | -9.2% | 1.0% |
| INTERLINC MORTGAGE SERVICES, LLC | $1,340,000 | $2,205,000 | 64.6% | 1.0% |
| Farm Credit Services of Western Arkansas, ACA | $3,840,000 | $1,895,000 | -50.7% | 0.8% |
| ARKANSAS Federal Credit Union | $945,000 | $1,855,000 | 96.3% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $325,000 | $1,765,000 | 443.1% | 0.8% |
| First Community Bank | $290,000 | $1,665,000 | 474.1% | 0.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | $395,000 | $1,640,000 | 315.2% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $135,000 | $1,475,000 | 992.6% | 0.6% |
| The First National Bank of Fort Smith | $115,000 | $1,410,000 | 1,126.1% | 0.6% |
| FLAT BRANCH MORTGAGE, INC. | $330,000 | $1,360,000 | 312.1% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $1,080,000 | $1,355,000 | 25.5% | 0.6% |
| NEW DAY FINANCIAL, LLC | $65,000 | $1,340,000 | 1,961.5% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $860,000 | $1,295,000 | 50.6% | 0.6% |
| Bank of England | $2,775,000 | $1,250,000 | -55.0% | 0.5% |
| The Federal Savings Bank | $215,000 | $1,080,000 | 402.3% | 0.5% |
| Bank of America | $905,000 | $1,045,000 | 15.5% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $275,000 | $1,010,000 | 267.3% | 0.4% |
| Today's Bank | $925,000 | n/a | 0.4% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,240,000 | $925,000 | -25.4% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $1,280,000 | $920,000 | -28.1% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $865,000 | n/a | 0.4% | |
| TELCOE FEDERAL CREDIT UNION | $620,000 | $855,000 | 37.9% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $835,000 | n/a | 0.4% | |
| GUILD MORTGAGE COMPANY | $180,000 | $815,000 | 352.8% | 0.4% |
| BROKER SOLUTIONS, INC. | $610,000 | $800,000 | 31.1% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $135,000 | $755,000 | 459.3% | 0.3% |
| CALCON MUTUAL MORTGAGE LLC | $1,435,000 | $730,000 | -49.1% | 0.3% |
| ZILLOW HOME LOANS, LLC | $515,000 | $650,000 | 26.2% | 0.3% |
| Wells Fargo Bank | $1,110,000 | $625,000 | -43.7% | 0.3% |
| AgHeritage Farm Credit Services FLCA | $595,000 | n/a | 0.3% | |
| PNC Bank | $470,000 | $595,000 | 26.6% | 0.3% |
| First Financial Bank | $320,000 | $590,000 | 84.4% | 0.3% |
| JPMorgan Chase Bank | $305,000 | $585,000 | 91.8% | 0.3% |
| BancorpSouth | $355,000 | $575,000 | 62.0% | 0.3% |
| LOANDEPOT.COM, LLC | $1,115,000 | $575,000 | -48.4% | 0.3% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $445,000 | $535,000 | 20.2% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $250,000 | $505,000 | 102.0% | 0.2% |
| LIMA ONE CAPITAL, LLC | $505,000 | n/a | 0.2% | |
| LOANPAL, LLC | $460,000 | $485,000 | 5.4% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $55,000 | $475,000 | 763.6% | 0.2% |
| CMG MORTGAGE, INC. | $465,000 | n/a | 0.2% | |
| GERSHMAN INVESTMENT CORP. | $250,000 | $455,000 | 82.0% | 0.2% |
| Carrington Mortgage Services, LLC | $335,000 | $450,000 | 34.3% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $155,000 | $435,000 | 180.6% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $435,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $870,000 | $430,000 | -50.6% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $85,000 | $430,000 | 405.9% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $205,000 | $425,000 | 107.3% | 0.2% |
| STOCKTON MORTGAGE CORPORATION | $320,000 | $425,000 | 32.8% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $400,000 | n/a | 0.2% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $390,000 | n/a | 0.2% | |
| PENTAGON FEDERAL CREDIT UNION | $385,000 | n/a | 0.2% | |
| NEWREZ LLC | $380,000 | n/a | 0.2% | |
| COMMUNITY MORTGAGE CORPORATION | $595,000 | $375,000 | -37.0% | 0.2% |
| First Service Bank | $55,000 | $375,000 | 581.8% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $135,000 | $370,000 | 174.1% | 0.2% |
| BAY EQUITY LLC | $325,000 | $365,000 | 12.3% | 0.2% |
| UNITED BUILT HOMES, L.L.C. | $365,000 | n/a | 0.2% | |
| Discover Bank | $435,000 | $360,000 | -17.2% | 0.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $910,000 | $355,000 | -61.0% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $125,000 | $330,000 | 164.0% | 0.1% |
| ENCORE BANK | $275,000 | $325,000 | 18.2% | 0.1% |
| SeaTrust Mortgage Company | $325,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $95,000 | $320,000 | 236.8% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $305,000 | n/a | 0.1% | |
| Paramount Bank | $305,000 | n/a | 0.1% | |
| Cross County Bank | $295,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $290,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $265,000 | n/a | 0.1% | |
| CORTRUST MORTGAGE, INC. | $245,000 | $255,000 | 4.1% | 0.1% |
| DELMAR FINANCIAL COMPANY | $245,000 | n/a | 0.1% | |
| First Financial Bank | $320,000 | $245,000 | -23.4% | 0.1% |
| FIRST WESTERN MORTGAGE, INC. | $185,000 | $245,000 | 32.4% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $135,000 | $245,000 | 81.5% | 0.1% |
| UNITED | $55,000 | $245,000 | 345.5% | 0.1% |
| V.I.P. MORTGAGE, INC. | $245,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $240,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $240,000 | $225,000 | -6.3% | 0.1% |
| Coastal Community Bank | $450,000 | $215,000 | -52.2% | 0.1% |
| Extraco Banks | $215,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $195,000 | $215,000 | 10.3% | 0.1% |
| Central Bank | $115,000 | $205,000 | 78.3% | 0.1% |
| CLEARPATH LENDING | $205,000 | n/a | 0.1% | |
| First Horizon Bank | $205,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $190,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $185,000 | n/a | 0.1% | |
| EVERENCE FEDERAL CREDIT UNION | $185,000 | n/a | 0.1% | |
| Nations Lending Corporation | $185,000 | n/a | 0.1% | |
| SWBC MORTGAGE CORPORATION | $125,000 | $185,000 | 48.0% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $155,000 | $175,000 | 12.9% | 0.1% |
| CSL Financial, LLC | $55,000 | $170,000 | 209.1% | 0.1% |
| Anstaff Bank | $105,000 | $165,000 | 57.1% | 0.1% |
| Gateway Bank | $165,000 | n/a | 0.1% | |
| Old Missouri Bank | $165,000 | n/a | 0.1% | |
| SFMC, LP | $165,000 | n/a | 0.1% | |
| Figure Lending LLC | $235,000 | $150,000 | -36.2% | 0.1% |
| Gateway First Bank | $540,000 | $145,000 | -73.1% | 0.1% |
| Southern Bank | $305,000 | $145,000 | -52.5% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $585,000 | $135,000 | -76.9% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $815,000 | $135,000 | -83.4% | 0.1% |
| Capitol Federal Savings Bank | $125,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $115,000 | n/a | 0.1% | |
| BARKSDALE | $110,000 | n/a | 0.0% | |
| CIS Financial Services, Inc. | $195,000 | $105,000 | -46.2% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $105,000 | n/a | 0.0% | |
| Intrust Bank | $105,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $25,000 | $85,000 | 240.0% | 0.0% |
| Fifth Third Bank | $125,000 | $85,000 | -32.0% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $55,000 | $85,000 | 54.5% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $220,000 | $85,000 | -61.4% | 0.0% |
| ATLANTA POSTAL | $65,000 | n/a | 0.0% | |
| KEYPOINT | $65,000 | n/a | 0.0% | |
| Farm Credit Services of Western Arkansas, PCA | $35,000 | n/a | 0.0% | |
| Truity Federal Credit Union | $25,000 | $35,000 | 40.0% | 0.0% |
| Citizens Bank | $220,000 | $15,000 | -93.2% | 0.0% |
| FOUR POINTS | $195,000 | $15,000 | -92.3% | 0.0% |
Russellville's top lender by overall market share is Arvest Bank, with 18.4% market share. In second place, with 6.1%, is QUICKEN LOANS, LLC, having originated $14,045,000 in loans. In third place, with 4.7%, is Centennial Bank, having originated $10,840,000 in loans. In fourth place, with 4.6%, is Mortgage Research Center, LLC, having originated $10,665,000 in loans. In fifth place, with 4.1%, is Chambers Bank, having originated $9,460,000 in loans.
Russellville, AR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 868 | $162,440,000 | $187,143 |
| Refi | 163 | $27,525,000 | $168,865 |
| Cash Out Refi | 141 | $22,485,000 | $159,468 |
| Home Improvement | 135 | $9,095,000 | $67,370 |
| Other | 130 | $8,230,000 | $63,308 |
Russellville's most frequently cited loan purpose was Home Purchase, with 868 originations. The 2nd most popular reason was Refi, with 163 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 599 | $108,895,000 | $181,795 |
| Over 8% | 320 | $26,450,000 | $82,656 |
| 7-8% | 197 | $34,845,000 | $176,878 |
| 5-6% | 185 | $33,205,000 | $179,486 |
| 4-5% | 7 | $895,000 | $127,857 |
| <2.5% | 1 | $5,000 | $5,000 |
| 3-4% | 1 | $255,000 | $255,000 |
During 2024, Russellville's most frequently originated rate bucket was 6-7%, with 599 originations.
Loan Sizing (Russellville, AR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 533 | $78,595,000 | $147,458 |
| $100,000 or less | 499 | $26,205,000 | $52,515 |
| $200k-400k | 354 | $94,400,000 | $266,667 |
| $400k-600k | 40 | $18,660,000 | $466,500 |
| $600k-1000k | 6 | $4,430,000 | $738,333 |
| $Over $1MM | 5 | $7,485,000 | $1,497,000 |
Russellville's loan sizing saw the bucket of loans from $100k-200k with 533 originations, totaling $78,595,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 616 | $126,920,000 | $206,039 |
| 60-80% | 242 | $42,750,000 | $176,653 |
| Under 20% | 166 | $4,720,000 | $28,434 |
| 20-40% | 148 | $10,840,000 | $73,243 |
| 40-60% | 114 | $15,040,000 | $131,930 |
| Over 100% | 6 | $1,510,000 | $251,667 |
Russellville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 616 originations, totaling $126,920,000 in origination value.