Ruston 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 Ruston averaged 6.98% for the week of 2025-05-15, compared to the national average of 6.81% for the same period.

    The average rate for the prior week (2025-05-08) was 7.03% and one month ago for the week of 2025-04-10, the average rate was 6.79%.

    Ruston's average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-05-15, the average rate was 6.81%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-15 6.81%
    Ruston 30 Year Fixed Rate 2025-05-15 6.98%
    Ruston 30 Year Fixed Rate Refi 2025-05-15 6.81%
    Ruston 15 Year Fixed Rate 2025-05-15 5.92%
    Ruston 15 Year Fixed Rate Refi 2025-05-15 6.02%
    Ruston 30 Year FHA 2025-05-15 6.72%
    Ruston 30 Year FHA Refi 2025-05-15 6.74%
    Ruston 30 Year USDA 2025-05-15 6.58%
    Ruston 30 Year USDA Refi 2025-05-15 6.28%
    Ruston 30 Year VA 2025-05-15 6.31%
    Ruston 30 Year VA Refi 2025-05-15 6.61%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Ruston, LA.

    Ruston 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 Ruston, LA 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
    Origin Bank 66 6.74% $4,575
    Century Next Bank 28 6.79% $5,829
    QUICKEN LOANS, LLC 11 6.67% $7,889
    MOVEMENT MORTGAGE, LLC 10 6.70% $4,906
    CENTRIC 6 7.66% $4,395
    Assurance Financial Group, L.L.C. 5 6.92% $8,484
    JPMorgan Chase Bank 5 6.83% $4,798
    BancorpSouth 3 6.21% $9,205
    UNITED WHOLESALE MORTGAGE, LLC 3 7.25% $6,870
    Home Federal Bank 3 7.08% $3,285
    First Horizon Bank 3 7.00% $4,642
    Wells Fargo Bank 2 7.00% $3,949
    Ally Bank 2 6.69% $4,111
    Eagle Bank and Trust Company 2 6.50% $5,995
    EUSTIS AND AMERICAN MORTGAGE COMPANY 2 6.87% $4,288
    FIRST COLONY MORTGAGE CORPORATION 2 6.94% $6,143
    GMFS LLC 2 5.81% $7,086
    Hancock Whitney Bank 2 7.06% $4,907
    LOANDEPOT.COM, LLC 2 6.37% $6,654
    Merchants Bank of Indiana 2 6.75% $4,436
    Regions Bank 2 7.06% $4,445
    UNION HOME MORTGAGE CORP. 2 6.63% $4,589
    GUILD MORTGAGE COMPANY 1 6.99% $5,223
    21ST MORTGAGE CORPORATION 1 8.95% $5,488
    Campus Federal Credit Union 1 6.25% $3,911
    BROKER SOLUTIONS, INC. 1 6.99% $8,842
    La Capitol Federal Credit Union 1 5.63% $5,231
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.25% $2,037
    U.S. Bank 1 6.13% $4,785
    MORTGAGE ACCESS CORP. 1 6.49% $3,863
    BETTER MORTGAGE CORPORATION 1 7.00% $3,149
    Mr. Cooper ( Nationstar Mortgage ) 1 6.63% $6,970
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.50% $5,684
    NBKC BANK 1 7.13% $4,073
    NEWREZ LLC 1 7.13% $4,720
    BARKSDALE 1 7.25% $5,150
    PLANET HOME LENDING, LLC 1 6.38% $4,802
    PNC Bank 1 7.00% $4,012
    PREMIA MORTGAGE, LLC 1 5.63% $0
    CMG MORTGAGE, INC. 1 7.50% $8,803
    Bank of America 1 4.88% $8,015
    Waterstone Mortgage Corporation 1 7.13% $6,733
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.38% $7,742
    STANDARD MORTGAGE CORPORATION 1 6.63% $4,988
    Carrington Mortgage Services, LLC 1 6.38% $4,898
    Flagstar Bank, FSB 1 8.13% $6,680
    Gateway First Bank 1 6.63% $5,881
    The Huntington National Bank 1 7.25% $5,562

    Ruston Average Closing Costs & Other Stats

    Ruston, LA's 48 lenders originated 625 loans during 2024. The total origination value was $130,875,000, with an average loan value of $209,400.

    Ruston's average closing costs are $5,160.

    The top Ruston lender as defined by loan originations is Origin Bank, with 66 loans originated. Their average total fees are $4,575, which is $1,255 lower than the next largest lender, Century Next Bank.

    The lowest fee Ruston lenders (with over 10 loans originated) are Origin Bank ($4,575), MOVEMENT MORTGAGE, LLC ($4,906), Century Next Bank ($5,829), QUICKEN LOANS, LLC ($7,889) and .

    The lowest rate Ruston lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.67%), MOVEMENT MORTGAGE, LLC (6.70%), Origin Bank (6.74%), Century Next Bank (6.79%) and .

    Ruston, LA 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
    Origin Bank $25,075,000 $31,930,000 27.3% 24.4%
    Century Next Bank $10,750,000 $17,260,000 60.6% 13.2%
    QUICKEN LOANS, LLC $4,280,000 $7,215,000 68.6% 5.5%
    Gibsland Bank & Trust Company $6,800,000 $5,830,000 -14.3% 4.5%
    MOVEMENT MORTGAGE, LLC $4,870,000 $4,640,000 -4.7% 3.5%
    UNITED WHOLESALE MORTGAGE, LLC $1,180,000 $3,585,000 203.8% 2.7%
    First National Bank $10,250,000 $3,410,000 -66.7% 2.6%
    Progressive Bank $215,000 $3,035,000 1,311.6% 2.3%
    b1BANK $9,810,000 $2,550,000 -74.0% 1.9%
    21ST MORTGAGE CORPORATION $2,510,000 $2,470,000 -1.6% 1.9%
    BancorpSouth $1,675,000 $2,130,000 27.2% 1.6%
    GMFS LLC $3,375,000 $2,035,000 -39.7% 1.6%
    Assurance Financial Group, L.L.C. $1,705,000 $1,815,000 6.5% 1.4%
    CENTRIC $1,680,000 $1,770,000 5.4% 1.4%
    TRIAD FINANCIAL SERVICES, INC. $480,000 $1,755,000 265.6% 1.3%
    First Guaranty Bank $225,000 $1,500,000 566.7% 1.1%
    PLANET HOME LENDING, LLC $165,000 $1,450,000 778.8% 1.1%
    NEWREZ LLC $1,515,000 $1,410,000 -6.9% 1.1%
    Mortgage Research Center, LLC $1,345,000 $1,345,000 0.0% 1.0%
    Home Federal Bank $450,000 $1,330,000 195.6% 1.0%
    JPMorgan Chase Bank $880,000 $1,320,000 50.0% 1.0%
    Eagle Bank and Trust Company $1,460,000 $1,235,000 -15.4% 0.9%
    DSLD MORTGAGE, LLC $980,000 n/a 0.7%
    Merchants Bank of Indiana $875,000 n/a 0.7%
    CMG MORTGAGE, INC. $825,000 n/a 0.6%
    AMERICAN FINANCIAL RESOURCES, INC. $820,000 n/a 0.6%
    First Horizon Bank $1,530,000 $820,000 -46.4% 0.6%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $1,825,000 $785,000 -57.0% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $535,000 $780,000 45.8% 0.6%
    PREMIA MORTGAGE, LLC $765,000 n/a 0.6%
    La Capitol Federal Credit Union $25,000 $720,000 2,780.0% 0.6%
    U.S. Bank $295,000 $715,000 142.4% 0.5%
    Hancock Whitney Bank $605,000 $705,000 16.5% 0.5%
    Wells Fargo Bank $735,000 $655,000 -10.9% 0.5%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $305,000 $650,000 113.1% 0.5%
    LOANDEPOT.COM, LLC $565,000 $575,000 1.8% 0.4%
    UNION HOME MORTGAGE CORP. $540,000 $560,000 3.7% 0.4%
    FIRST COMMUNITY MORTGAGE, INC. $550,000 n/a 0.4%
    BankPlus $545,000 n/a 0.4%
    Equity Prime Mortgage LLC $525,000 n/a 0.4%
    Regions Bank $770,000 $490,000 -36.4% 0.4%
    FIRST COLONY MORTGAGE CORPORATION $480,000 n/a 0.4%
    The Huntington National Bank $445,000 n/a 0.3%
    Ally Bank $420,000 n/a 0.3%
    BETTER MORTGAGE CORPORATION $395,000 n/a 0.3%
    Cross Keys Bank $385,000 n/a 0.3%
    Gateway First Bank $385,000 n/a 0.3%
    ZILLOW HOME LOANS, LLC $385,000 n/a 0.3%
    USAA Federal Savings Bank $1,585,000 $380,000 -76.0% 0.3%
    DAS Acquisition Company, LLC $355,000 n/a 0.3%
    Carrington Mortgage Services, LLC $90,000 $350,000 288.9% 0.3%
    GUARANTEED RATE AFFINITY, LLC $345,000 n/a 0.3%
    AMERISAVE MORTGAGE CORPORATION $105,000 $315,000 200.0% 0.2%
    HOMELAND BANCSHARES $1,475,000 $305,000 -79.3% 0.2%
    Guaranty Bank & Trust Company of Delhi, Louisiana $575,000 $295,000 -48.7% 0.2%
    STANDARD MORTGAGE CORPORATION $290,000 n/a 0.2%
    HOMESIDE FINANCIAL, LLC $280,000 $285,000 1.8% 0.2%
    BROKER SOLUTIONS, INC. $285,000 $280,000 -1.8% 0.2%
    NBKC BANK $275,000 n/a 0.2%
    PNC Bank $275,000 n/a 0.2%
    Towne Bank $800,000 $275,000 -65.6% 0.2%
    BOM Bank $255,000 $270,000 5.9% 0.2%
    Citizens Bank & Trust Company of Vivian, Louisiana $265,000 n/a 0.2%
    Bank of America $505,000 $255,000 -49.5% 0.2%
    GUARANTEED RATE, INC. $885,000 $255,000 -71.2% 0.2%
    Gulf Coast Bank and Trust Company $255,000 n/a 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $245,000 n/a 0.2%
    Citizens National Bank, N.A. $4,025,000 $225,000 -94.4% 0.2%
    Paramount Residential Mortgage Group, Inc. $225,000 n/a 0.2%
    Guaranty Bank and Trust Company $215,000 n/a 0.2%
    PENNYMAC LOAN SERVICES, LLC $215,000 n/a 0.2%
    BARKSDALE $895,000 $205,000 -77.1% 0.2%
    GUILD MORTGAGE COMPANY $85,000 $205,000 141.2% 0.2%
    MORTGAGE ACCESS CORP. $205,000 n/a 0.2%
    First American Bank and Trust $175,000 $195,000 11.4% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $65,000 $185,000 184.6% 0.1%
    EFCU FINANCIAL $175,000 n/a 0.1%
    Guaranty Bank & Trust, N.A. $175,000 n/a 0.1%
    CATAHOULA LASALLE BANK $170,000 n/a 0.1%
    Waterstone Mortgage Corporation $165,000 n/a 0.1%
    Coastal Community Bank $95,000 $150,000 57.9% 0.1%
    Campus Federal Credit Union $145,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $610,000 $140,000 -77.0% 0.1%
    Arvest Bank $265,000 $125,000 -52.8% 0.1%
    RED RIVER EMPLOYEES $125,000 n/a 0.1%
    Flagstar Bank, FSB $175,000 $105,000 -40.0% 0.1%
    Plains Commerce Bank $105,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $490,000 $95,000 -80.6% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $275,000 $85,000 -69.1% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $85,000 n/a 0.1%
    LENDINGONE, LLC $85,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $75,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $65,000 n/a 0.0%
    Discover Bank $55,000 $55,000 0.0% 0.0%
    LAND HOME FINANCIAL SERVICES, INC. $55,000 n/a 0.0%
    Ouachita Valley Federal Credit Union $50,000 n/a 0.0%
    Southern Heritage Bank $45,000 n/a 0.0%
    Pelican State Credit Union $25,000 n/a 0.0%

    Ruston's top lender by overall market share is Origin Bank, with 24.4% market share. In second place, with 13.2%, is Century Next Bank, having originated $17,260,000 in loans. In third place, with 5.5%, is QUICKEN LOANS, LLC, having originated $7,215,000 in loans. In fourth place, with 4.5%, is Gibsland Bank & Trust Company, having originated $5,830,000 in loans. In fifth place, with 3.5%, is MOVEMENT MORTGAGE, LLC, having originated $4,640,000 in loans.

    Ruston Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Ruston (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 $256,500 (-6.1%) $271,762 (-6.6%) 0.00 122
    2018-02-01 $257,325 (-4.8%) $266,307 (-7.4%) 0.00 128
    2018-03-01 $255,000 (-5.5%) $266,994 (-6.3%) 0.00 150
    2018-04-01 $253,500 (-6.1%) $261,098 (-8.6%) 0.00 173
    2018-05-01 $260,000 (0.1%) $273,832 (-2.1%) 0.00 162
    2018-06-01 $270,000 (8.2%) $281,775 (4.6%) 0.00 150
    2018-07-01 $269,900 (6.3%) $286,823 (0.5%) 0.00 153
    2018-08-01 $264,875 (0.3%) $280,480 (-3.9%) 0.00 151
    2018-09-01 $260,000 (2.0%) $282,136 (-1.5%) 0.00 151
    2018-10-01 $270,250 (6.2%) $285,012 (0.2%) 0.00 162
    2018-11-01 $267,338 (1.9%) $283,881 (-0.7%) 0.00 158
    2018-12-01 $270,000 (5.9%) $293,815 (6.4%) 0.00 154
    2019-01-01 $269,125 (4.9%) $291,696 (7.3%) 0.00 145
    2019-02-01 $276,225 (7.3%) $302,730 (13.7%) 0.00 150
    2019-03-01 $275,000 (7.8%) $300,794 (12.7%) 0.00 165
    2019-04-01 $274,875 (8.4%) $301,121 (15.3%) 0.00 178
    2019-05-01 $270,950 (4.2%) $300,421 (9.7%) 0.00 192
    2019-06-01 $267,850 (-0.8%) $296,064 (5.1%) 0.00 202
    2019-07-01 $260,000 (-3.7%) $290,180 (1.2%) 0.00 195
    2019-08-01 $252,582 (-4.6%) $288,174 (2.7%) 0.00 189
    2019-09-01 $241,455 (-7.1%) $286,058 (1.4%) 0.00 187
    2019-10-01 $233,175 (-13.7%) $283,193 (-0.6%) 0.00 180
    2019-11-01 $230,000 (-14.0%) $282,540 (-0.5%) 0.00 168
    2019-12-01 $223,950 (-17.1%) $271,656 (-7.5%) 0.00 180
    2020-01-01 $229,500 (-14.7%) $278,132 (-4.7%) 0.00 151
    2020-02-01 $233,900 (-15.3%) $280,227 (-7.4%) 0.00 148
    2020-03-01 $245,000 (-10.9%) $284,543 (-5.4%) 0.00 160
    2020-04-01 $231,250 (-15.9%) $279,895 (-7.1%) 0.00 160
    2020-05-01 $240,000 (-11.4%) $273,845 (-8.9%) 0.00 144
    2020-06-01 $230,000 (-14.1%) $276,226 (-6.7%) 0.00 133
    2020-07-01 $251,125 (-3.4%) $282,113 (-2.8%) 0.00 120
    2020-08-01 $241,950 (-4.2%) $276,538 (-4.0%) 0.00 101
    2020-09-01 $225,000 (-6.8%) $271,495 (-5.1%) 0.00 94
    2020-10-01 $189,900 (-18.6%) $251,418 (-11.2%) 0.00 79
    2020-11-01 $188,975 (-17.8%) $244,999 (-13.3%) 0.00 74
    2020-12-01 $189,450 (-15.4%) $219,045 (-19.4%) 0.00 72
    2021-01-01 $192,000 (-16.3%) $224,749 (-19.2%) 0.00 71
    2021-02-01 $200,000 (-14.5%) $228,839 (-18.3%) 0.00 65
    2021-03-01 $242,750 (-0.9%) $252,181 (-11.4%) 0.00 61
    2021-04-01 $241,975 (4.6%) $255,028 (-8.9%) 0.00 51
    2021-05-01 $257,250 (7.2%) $298,975 (9.2%) 0.00 43
    2021-06-01 $306,000 (33.0%) $332,053 (20.2%) 0.00 35
    2021-07-01 $299,000 (19.1%) $344,873 (22.3%) 0.00 41
    2021-08-01 $285,000 (17.8%) $314,951 (13.9%) 0.00 40
    2021-09-01 $264,250 (17.4%) $276,327 (1.8%) 0.00 37
    2021-10-01 $289,000 (52.2%) $300,213 (19.4%) 0.00 31
    2021-11-01 $290,750 (53.9%) $311,427 (27.1%) 0.00 36
    2021-12-01 $295,500 (56.0%) $309,040 (41.1%) 0.00 40
    2022-01-01 $293,750 (53.0%) $293,865 (30.8%) 0.00 34
    2022-02-01 $274,625 (37.3%) $285,983 (25.0%) 0.00 26
    2022-03-01 $288,750 (19.0%) $306,920 (21.7%) 0.00 25
    2022-04-01 $300,000 (24.0%) $328,204 (28.7%) 0.00 27
    2022-05-01 $316,225 (22.9%) $422,054 (41.2%) 0.00 28
    2022-06-01 $305,000 (-0.3%) $413,828 (24.6%) 0.00 30
    2022-07-01 $309,000 (3.3%) $410,319 (19.0%) 0.00 31
    2022-08-01 $282,500 (-0.9%) $397,241 (26.1%) 0.00 43
    2022-09-01 $310,500 (17.5%) $431,933 (56.3%) 0.00 45
    2022-10-01 $317,500 (9.9%) $431,410 (43.7%) 0.00 51
    2022-11-01 $311,000 (7.0%) $433,181 (39.1%) 0.00 60
    2022-12-01 $309,000 (4.6%) $429,854 (39.1%) 0.00 60
    2023-01-01 $308,500 (5.0%) $418,223 (42.3%) 0.00 58
    2023-02-01 $293,750 (7.0%) $398,458 (39.3%) 0.00 54
    2023-03-01 $311,625 (7.9%) $400,868 (30.6%) 0.00 56
    2023-04-01 $314,250 (4.8%) $392,242 (19.5%) 0.00 57
    2023-05-01 $328,250 (3.8%) $415,637 (-1.5%) 0.00 60
    2023-06-01 $324,375 (6.4%) $381,826 (-7.7%) 0.00 69
    2023-07-01 $314,500 (1.8%) $375,829 (-8.4%) 0.00 75
    2023-08-01 $302,500 (7.1%) $367,484 (-7.5%) 0.00 74
    2023-09-01 $288,250 (-7.2%) $344,869 (-20.2%) 0.00 73
    2023-10-01 $278,750 (-12.2%) $335,080 (-22.3%) 0.00 78
    2023-11-01 $280,000 (-10.0%) $343,057 (-20.8%) 0.00 71
    2023-12-01 $272,500 (-11.8%) $341,458 (-20.6%) 0.00 85
    2024-01-01 $284,000 (-7.9%) $354,065 (-15.3%) 0.00 81
    2024-02-01 $268,750 (-8.5%) $346,867 (-13.0%) 0.00 80
    2024-03-01 $268,750 (-13.8%) $348,365 (-13.1%) 0.00 75
    2024-04-01 $258,000 (-17.9%) $336,755 (-14.2%) 0.00 86
    2024-05-01 $258,250 (-21.3%) $329,730 (-20.7%) 0.00 85
    2024-06-01 $257,500 (-20.6%) $290,870 (-23.8%) 0.00 92
    2024-07-01 $257,500 (-18.1%) $315,181 (-16.1%) 0.00 97
    2024-08-01 $257,500 (-14.9%) $324,921 (-11.6%) 0.00 99
    2024-09-01 $274,750 (-4.7%) $344,822 (0.0%) 0.00 95
    2024-10-01 $255,200 (-8.5%) $332,414 (-0.8%) 0.00 97
    2024-11-01 $269,000 (-3.9%) $365,117 (6.4%) 0.00 94
    2024-12-01 $269,000 (-1.3%) $358,506 (5.0%) 0.00 94
    2025-01-01 $263,725 (-7.1%) $346,741 (-2.1%) 0.00 91
    2025-02-01 $255,900 (-4.8%) $350,296 (1.0%) 0.00 80
    2025-03-01 $270,000 (0.5%) $378,268 (8.6%) 0.00 79
    2025-04-01 $272,500 (5.6%) $371,557 (10.3%) 0.00 89
    Ruston's median listing price for 2025-04-01 was $272,500, a difference of $14,500 (5.6%) versus the prior year and $2,500 versus the prior month.

    Ruston's median listing price comes in at 0% of the national average.

    Ruston's average listing price for 2025-04-01 was $371,557, a difference of $34,802 (10.3%) versus the prior year and $-6,711 versus the prior month.

    For the 2025-04-01 period, Ruston had 89 MLS listings, a difference of 10 listings (13%) versus the prior month and 3 listings (3%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ruston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,030 sqft
    2018-02-01 0 days 2,026 sqft
    2018-03-01 0 days 2,060 sqft
    2018-04-01 0 days 2,056 sqft
    2018-05-01 0 days 2,078 sqft
    2018-06-01 0 days 2,094 sqft
    2018-07-01 0 days 2,112 sqft
    2018-08-01 0 days 2,073 sqft
    2018-09-01 0 days 2,082 sqft
    2018-10-01 0 days 2,067 sqft
    2018-11-01 0 days 2,067 sqft
    2018-12-01 0 days 2,063 sqft
    2019-01-01 0 days 2,046 sqft
    2019-02-01 0 days 2,168 sqft
    2019-03-01 0 days 2,196 sqft
    2019-04-01 0 days 2,199 sqft
    2019-05-01 0 days 2,151 sqft
    2019-06-01 0 days 2,067 sqft
    2019-07-01 0 days 2,044 sqft
    2019-08-01 0 days 2,018 sqft
    2019-09-01 0 days 1,981 sqft
    2019-10-01 0 days 1,930 sqft
    2019-11-01 0 days 1,896 sqft
    2019-12-01 0 days 1,775 sqft
    2020-01-01 0 days 1,812 sqft
    2020-02-01 0 days 1,852 sqft
    2020-03-01 0 days 1,931 sqft
    2020-04-01 0 days 1,932 sqft
    2020-05-01 0 days 1,930 sqft
    2020-06-01 0 days 1,927 sqft
    2020-07-01 0 days 1,952 sqft
    2020-08-01 0 days 2,011 sqft
    2020-09-01 0 days 1,952 sqft
    2020-10-01 0 days 1,752 sqft
    2020-11-01 0 days 1,722 sqft
    2020-12-01 0 days 1,715 sqft
    2021-01-01 0 days 1,704 sqft
    2021-02-01 0 days 1,807 sqft
    2021-03-01 0 days 1,982 sqft
    2021-04-01 0 days 1,863 sqft
    2021-05-01 0 days 1,919 sqft
    2021-06-01 0 days 2,113 sqft
    2021-07-01 0 days 2,314 sqft
    2021-08-01 0 days 2,277 sqft
    2021-09-01 0 days 1,831 sqft
    2021-10-01 0 days 2,025 sqft
    2021-11-01 0 days 2,176 sqft
    2021-12-01 0 days 2,054 sqft
    2022-01-01 0 days 1,900 sqft
    2022-02-01 0 days 1,780 sqft
    2022-03-01 0 days 1,780 sqft
    2022-04-01 0 days 1,868 sqft
    2022-05-01 0 days 2,175 sqft
    2022-06-01 0 days 1,994 sqft
    2022-07-01 0 days 2,092 sqft
    2022-08-01 0 days 2,009 sqft
    2022-09-01 0 days 2,010 sqft
    2022-10-01 0 days 1,974 sqft
    2022-11-01 0 days 1,879 sqft
    2022-12-01 0 days 1,862 sqft
    2023-01-01 0 days 1,928 sqft
    2023-02-01 0 days 1,916 sqft
    2023-03-01 0 days 1,944 sqft
    2023-04-01 0 days 1,939 sqft
    2023-05-01 0 days 2,023 sqft
    2023-06-01 0 days 1,931 sqft
    2023-07-01 0 days 1,931 sqft
    2023-08-01 0 days 1,928 sqft
    2023-09-01 0 days 1,945 sqft
    2023-10-01 0 days 1,942 sqft
    2023-11-01 0 days 1,956 sqft
    2023-12-01 0 days 1,900 sqft
    2024-01-01 0 days 1,931 sqft
    2024-02-01 0 days 1,878 sqft
    2024-03-01 0 days 1,941 sqft
    2024-04-01 0 days 1,931 sqft
    2024-05-01 0 days 1,866 sqft
    2024-06-01 0 days 1,828 sqft
    2024-07-01 0 days 1,812 sqft
    2024-08-01 0 days 1,848 sqft
    2024-09-01 0 days 1,855 sqft
    2024-10-01 0 days 1,843 sqft
    2024-11-01 0 days 1,866 sqft
    2024-12-01 0 days 1,866 sqft
    2025-01-01 0 days 1,813 sqft
    2025-02-01 0 days 1,744 sqft
    2025-03-01 0 days 1,863 sqft
    2025-04-01 0 days 1,922 sqft
    Ruston's median listing age (time on market) for 2025-04-01 was 0 days.

    Ruston's median square footage for active listings during the 2025-04-01 period was 1,922 sqft. One year prior, the average listing was 1,931 sqft.

    Ruston, LA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 367 $85,255,000 $232,302
    Refi 138 $30,170,000 $218,623
    Cash Out Refi 57 $9,545,000 $167,456
    Home Improvement 34 $3,570,000 $105,000
    Other 29 $2,335,000 $80,517

    Ruston's most frequently cited loan purpose was Home Purchase, with 367 originations. The 2nd most popular reason was Refi, with 138 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 218 $53,060,000 $243,394
    Over 8% 159 $18,585,000 $116,887
    7-8% 92 $23,180,000 $251,957
    5-6% 60 $14,610,000 $243,500
    4-5% 6 $1,400,000 $233,333
    3-4% 1 $225,000 $225,000

    During 2024, Ruston's most frequently originated rate bucket was 6-7%, with 218 originations.

    Loan Sizing (Ruston, LA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 201 $30,345,000 $150,970
    $200k-400k 190 $52,210,000 $274,789
    $100,000 or less 186 $11,140,000 $59,892
    $400k-600k 25 $12,025,000 $481,000
    $600k-1000k 15 $10,455,000 $697,000
    $Over $1MM 8 $14,700,000 $1,837,500

    Ruston's loan sizing saw the bucket of loans from $100k-200k with 201 originations, totaling $30,345,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 232 $53,370,000 $230,043
    60-80% 130 $34,120,000 $262,462
    40-60% 60 $10,170,000 $169,500
    20-40% 56 $6,160,000 $110,000
    Under 20% 46 $2,640,000 $57,391
    Over 100% 10 $4,590,000 $459,000

    Ruston's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 232 originations, totaling $53,370,000 in origination value.