Searcy 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 Searcy averaged 6.7% 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 6.82% and one month ago for the week of 2025-03-06, the average rate was 6.81%.

    Searcy's average rate one year ago was 7%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.02%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Searcy 30 Year Fixed Rate 2025-04-10 6.7%
    Searcy 30 Year Fixed Rate Refi 2025-04-10 7.02%
    Searcy 15 Year Fixed Rate 2025-04-10 5.92%
    Searcy 15 Year Fixed Rate Refi 2025-04-10 6.32%
    Searcy 30 Year FHA 2025-04-10 6.33%
    Searcy 30 Year FHA Refi 2025-04-10 6.23%
    Searcy 30 Year USDA 2025-04-10 6.39%
    Searcy 30 Year USDA Refi 2025-04-10 6.45%
    Searcy 30 Year VA 2025-04-10 6.46%
    Searcy 30 Year VA Refi 2025-04-10 6.39%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Searcy, AR.

    Searcy 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 Searcy, 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
    First Community Bank 60 6.60% $4,919
    First Security Bank 47 6.31% $3,778
    Simmons Bank 46 7.04% $3,551
    Regions Bank 23 7.07% $3,869
    QUICKEN LOANS, LLC 22 6.63% $5,598
    MORTGAGE FINANCIAL SERVICES, LLC 19 7.00% $6,597
    FLAT BRANCH MORTGAGE, INC. 15 7.09% $3,826
    Centennial Bank 13 6.79% $5,384
    ARKANSAS Federal Credit Union 11 6.48% $4,451
    Arvest Bank 8 6.63% $4,827
    Southern Bank 7 7.88% $1,561
    Eagle Bank and Trust Company 6 6.73% $3,168
    21ST MORTGAGE CORPORATION 5 8.81% $6,185
    SENTE MORTGAGE, INC. 5 7.03% $6,283
    FIRST COMMUNITY MORTGAGE, INC. 4 6.46% $4,988
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 8.16% $6,980
    UNITED WHOLESALE MORTGAGE, LLC 3 7.08% $7,489
    COMMUNITY MORTGAGE CORPORATION 3 6.54% $4,035
    U.S. Bank 3 7.12% $2,727
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.75% $4,572
    Bank of England 3 7.33% $8,395
    Bank of America 2 6.00% $4,579
    AgHeritage Farm Credit Services FLCA 2 6.78% $7,630
    BancorpSouth 2 6.75% $3,226
    First Horizon Bank 2 6.31% $5,169
    GUILD MORTGAGE COMPANY 2 6.69% $2,696
    JPMorgan Chase Bank 2 6.93% $3,926
    Mr. Cooper ( Nationstar Mortgage ) 2 7.50% $5,250
    NEWREZ LLC 2 6.56% $3,061
    STOCKTON MORTGAGE CORPORATION 2 6.31% $3,081
    Wells Fargo Bank 2 6.69% $3,557
    DAS Acquisition Company, LLC 1 6.88% $3,503
    UNION HOME MORTGAGE CORP. 1 6.50% $2,891
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.00% $4,292
    Independent Bank 1 7.13% $4,179
    ASSOCIATED MORTGAGE CORPORATION 1 6.88% $4,249
    LOANDEPOT.COM, LLC 1 6.99% $5,223
    Magnolia Bank 1 6.49% $3,090
    CMG MORTGAGE, INC. 1 7.00% $3,978
    MORTGAGE INVESTORS GROUP, INC. 1 6.49% $4,201
    AMERISAVE MORTGAGE CORPORATION 1 8.13% $4,143
    Nations Lending Corporation 1 7.38% $2,982
    NAVY FEDERAL CREDIT UNION 1 6.38% $11,642
    Ally Bank 1 7.38% $2,372
    PHH Mortgage Corporation 1 6.99% $4,851
    Plains Commerce Bank 1 5.88% $6,403
    PREMIA MORTGAGE, LLC 1 7.10% $0
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.38% $3,360
    Chambers Bank 1 6.38% $6,630
    Century Mortgage Company DBA Century Lending Company 1 6.13% $8,301
    ROYAL UNITED MORTGAGE LLC 1 6.63% $6,181
    BROKER SOLUTIONS, INC. 1 6.63% $6,974
    Sierra Pacific Mortgage Company, Inc. 1 7.13% $3,823
    BOKF 1 6.13% $4,590
    BANK OF LITTLE ROCK MORTGAGE CORPORATION 1 6.25% $2,676
    ZILLOW HOME LOANS, LLC 1 6.63% $5,980
    SUCCESS Federal Credit Union 1 6.37% $4,849
    The Loan Store, Inc. 1 7.13% $7,697
    Evolve Bank & Trust 1 7.50% $5,257
    THRIVENT Federal Credit Union 1 7.25% $3,693
    First National Bank 1 9.75% $1,410
    First National Bank of America 1 11.88% $8,313
    Deere Employees Credit Union 1 5.99% $3,005
    FirstTrust Home Loans, Inc. 1 6.99% $13,995
    Flagstar Bank, FSB 1 7.50% $3,599

    Searcy Average Closing Costs & Other Stats

    Searcy, AR's 65 lenders originated 1,470 loans during 2024. The total origination value was $248,230,000, with an average loan value of $168,864.

    Searcy's average closing costs are $4,413.

    The top Searcy lender as defined by loan originations is First Community Bank, with 60 loans originated. Their average total fees are $4,919, which is $1,141 higher than the next largest lender, First Security Bank.

    The lowest fee Searcy lenders (with over 10 loans originated) are Simmons Bank ($3,551), First Security Bank ($3,778), FLAT BRANCH MORTGAGE, INC. ($3,826), Regions Bank ($3,869) and ARKANSAS Federal Credit Union ($4,451).

    The lowest rate Searcy lenders (with over 10 loans originated) are First Security Bank (6.31%), ARKANSAS Federal Credit Union (6.48%), First Community Bank (6.60%), QUICKEN LOANS, LLC (6.63%) and Centennial Bank (6.79%).

    Searcy, 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
    First Community Bank $26,380,000 $32,330,000 22.6% 13.0%
    First Security Bank $19,485,000 $27,950,000 43.4% 11.3%
    Simmons Bank $14,920,000 $16,485,000 10.5% 6.6%
    QUICKEN LOANS, LLC $9,240,000 $13,200,000 42.9% 5.3%
    WALKER & DUNLOP, LLC $8,265,000 n/a 3.3%
    FLAT BRANCH MORTGAGE, INC. $3,355,000 $7,790,000 132.2% 3.1%
    Centennial Bank $5,545,000 $7,440,000 34.2% 3.0%
    Regions Bank $7,795,000 $7,275,000 -6.7% 2.9%
    ARKANSAS Federal Credit Union $6,985,000 $6,725,000 -3.7% 2.7%
    Mortgage Research Center, LLC $7,140,000 $6,320,000 -11.5% 2.5%
    MORTGAGE FINANCIAL SERVICES, LLC $8,600,000 $5,820,000 -32.3% 2.3%
    21ST MORTGAGE CORPORATION $4,015,000 $4,935,000 22.9% 2.0%
    SENTE MORTGAGE, INC. $2,950,000 $4,630,000 56.9% 1.9%
    Arvest Bank $2,500,000 $4,605,000 84.2% 1.9%
    Southern Bank $2,035,000 $4,385,000 115.5% 1.8%
    UNITED WHOLESALE MORTGAGE, LLC $2,775,000 $3,735,000 34.6% 1.5%
    Bank of England $5,175,000 $3,365,000 -35.0% 1.4%
    NEWREZ LLC $2,320,000 $3,110,000 34.1% 1.3%
    Eagle Bank and Trust Company $4,665,000 $3,020,000 -35.3% 1.2%
    AgHeritage Farm Credit Services FLCA $2,080,000 $2,695,000 29.6% 1.1%
    FREEDOM MORTGAGE CORPORATION $880,000 $2,645,000 200.6% 1.1%
    PENNYMAC LOAN SERVICES, LLC $1,580,000 $2,230,000 41.1% 0.9%
    NAVY FEDERAL CREDIT UNION $1,075,000 $2,225,000 107.0% 0.9%
    FIRST COMMUNITY MORTGAGE, INC. $525,000 $2,100,000 300.0% 0.8%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $490,000 $1,790,000 265.3% 0.7%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,660,000 $1,770,000 6.6% 0.7%
    NEW DAY FINANCIAL, LLC $680,000 $1,560,000 129.4% 0.6%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $585,000 $1,460,000 149.6% 0.6%
    Chambers Bank $325,000 $1,305,000 301.5% 0.5%
    BROKER SOLUTIONS, INC. $460,000 $1,285,000 179.3% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $185,000 $1,280,000 591.9% 0.5%
    VILLAGE CAPITAL MORTGAGE $1,235,000 n/a 0.5%
    BancorpSouth $550,000 $1,105,000 100.9% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $1,695,000 $1,105,000 -34.8% 0.4%
    AMERISAVE MORTGAGE CORPORATION $205,000 $1,065,000 419.5% 0.4%
    GUARANTEED RATE, INC. $1,135,000 $1,045,000 -7.9% 0.4%
    GERSHMAN INVESTMENT CORP. $225,000 $1,035,000 360.0% 0.4%
    LOANDEPOT.COM, LLC $1,320,000 $995,000 -24.6% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $1,225,000 $920,000 -24.9% 0.4%
    AMERICAN FINANCIAL RESOURCES, INC. $535,000 $905,000 69.2% 0.4%
    BANK OF LITTLE ROCK MORTGAGE CORPORATION $1,015,000 $900,000 -11.3% 0.4%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,590,000 $900,000 -43.4% 0.4%
    FirstTrust Home Loans, Inc. $11,125,000 $850,000 -92.4% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $1,195,000 $775,000 -35.1% 0.3%
    Evolve Bank & Trust $240,000 $765,000 218.8% 0.3%
    Sierra Pacific Mortgage Company, Inc. $715,000 $760,000 6.3% 0.3%
    STOCKTON MORTGAGE CORPORATION $235,000 $750,000 219.1% 0.3%
    Century Mortgage Company DBA Century Lending Company $745,000 n/a 0.3%
    Equity Prime Mortgage LLC $745,000 n/a 0.3%
    First Service Bank $230,000 $730,000 217.4% 0.3%
    Carrington Mortgage Services, LLC $330,000 $715,000 116.7% 0.3%
    COMMUNITY MORTGAGE CORPORATION $1,085,000 $705,000 -35.0% 0.3%
    GUILD MORTGAGE COMPANY $85,000 $670,000 688.2% 0.3%
    U.S. Bank $1,935,000 $670,000 -65.4% 0.3%
    First Arkansas Bank and Trust $1,440,000 $660,000 -54.2% 0.3%
    First Horizon Bank $1,130,000 $640,000 -43.4% 0.3%
    MORTGAGE INVESTORS GROUP, INC. $600,000 n/a 0.2%
    Wells Fargo Bank $1,080,000 $575,000 -46.8% 0.2%
    Flagstar Bank, FSB $425,000 $535,000 25.9% 0.2%
    JPMorgan Chase Bank $340,000 $520,000 52.9% 0.2%
    First State Bank $195,000 $510,000 161.5% 0.2%
    Farmers Bank & Trust $495,000 n/a 0.2%
    Bank of America $55,000 $475,000 763.6% 0.2%
    Gateway Bank $45,000 $465,000 933.3% 0.2%
    SWBC MORTGAGE CORPORATION $455,000 n/a 0.2%
    Barrington Bank & Trust Company, N.A. $155,000 $450,000 190.3% 0.2%
    Independent Bank $435,000 n/a 0.2%
    The Bank of Fayette County $435,000 n/a 0.2%
    LENDINGHOME FUNDING CORPORATION $175,000 $430,000 145.7% 0.2%
    Deere Employees Credit Union $420,000 n/a 0.2%
    Elements Financial Federal Credit Union $405,000 n/a 0.2%
    UNITED BUILT HOMES, L.L.C. $730,000 $395,000 -45.9% 0.2%
    Nations Lending Corporation $55,000 $385,000 600.0% 0.2%
    CMG MORTGAGE, INC. $455,000 $370,000 -18.7% 0.1%
    Gateway First Bank $25,000 $370,000 1,380.0% 0.1%
    First Federal Bank $365,000 n/a 0.1%
    CORNERSTONE HOME LENDING, INC. $1,565,000 $360,000 -77.0% 0.1%
    CARDINAL FINANCIAL $155,000 $350,000 125.8% 0.1%
    Magnolia Bank $155,000 $345,000 122.6% 0.1%
    DAS Acquisition Company, LLC $660,000 $340,000 -48.5% 0.1%
    Ally Bank $85,000 $335,000 294.1% 0.1%
    ASSOCIATED MORTGAGE CORPORATION $335,000 n/a 0.1%
    Plains Commerce Bank $325,000 n/a 0.1%
    PLANET HOME LENDING, LLC $125,000 $325,000 160.0% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $295,000 n/a 0.1%
    First National Bank $290,000 n/a 0.1%
    Focus Bank $935,000 $285,000 -69.5% 0.1%
    AmeriHome Mortgage Company, LLC $275,000 n/a 0.1%
    Pilgrim Bank $275,000 n/a 0.1%
    SUCCESS Federal Credit Union $275,000 n/a 0.1%
    Discover Bank $365,000 $265,000 -27.4% 0.1%
    TJC Mortgage, Inc. $265,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $115,000 $255,000 121.7% 0.1%
    AMERICAN FINANCING CORPORATION $245,000 n/a 0.1%
    CIS Financial Services, Inc. $685,000 $245,000 -64.2% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $245,000 n/a 0.1%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $825,000 $235,000 -71.5% 0.1%
    PREMIA MORTGAGE, LLC $235,000 n/a 0.1%
    The Loan Store, Inc. $235,000 n/a 0.1%
    MY MOVE MORTGAGE, LLC $230,000 n/a 0.1%
    BOKF $25,000 $225,000 800.0% 0.1%
    ROYAL UNITED MORTGAGE LLC $225,000 n/a 0.1%
    Figure Lending LLC $120,000 $220,000 83.3% 0.1%
    T2 FINANCIAL LLC $215,000 n/a 0.1%
    PHH Mortgage Corporation $205,000 n/a 0.1%
    TELCOE FEDERAL CREDIT UNION $295,000 $205,000 -30.5% 0.1%
    CLEARPATH LENDING $185,000 $185,000 0.0% 0.1%
    Western Sun FCU $185,000 n/a 0.1%
    Coastal Community Bank $320,000 $180,000 -43.8% 0.1%
    FINANCE OF AMERICA REVERSE LLC $170,000 $180,000 5.9% 0.1%
    American Mortgage & Equity Consultants, Inc. $175,000 n/a 0.1%
    Citadel Servicing Corporation $175,000 n/a 0.1%
    SFMC, LP $170,000 n/a 0.1%
    First National Bank of America $165,000 n/a 0.1%
    Mid-Continent Funding, Inc. $155,000 $165,000 6.5% 0.1%
    UNION HOME MORTGAGE CORP. $165,000 n/a 0.1%
    The Citizens Bank $160,000 n/a 0.1%
    AMERICAN INTERNET MORTGAGE, INC. $155,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $135,000 n/a 0.1%
    Gulf Coast Bank and Trust Company $135,000 n/a 0.1%
    USAA Federal Savings Bank $1,150,000 $135,000 -88.3% 0.1%
    ZILLOW HOME LOANS, LLC $125,000 n/a 0.1%
    The Farmers & Merchants Bank $105,000 $115,000 9.5% 0.0%
    LENDINGONE, LLC $105,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $575,000 $105,000 -81.7% 0.0%
    SOUTHWEST STAGE FUNDING, LLC $350,000 $105,000 -70.0% 0.0%
    THRIVENT Federal Credit Union $85,000 n/a 0.0%
    BTC BANK $75,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.0%
    LONGBRIDGE FINANCIAL, LLC $75,000 n/a 0.0%
    Central Bank $910,000 $65,000 -92.9% 0.0%
    BARKSDALE $55,000 n/a 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $300,000 $55,000 -81.7% 0.0%
    Bethpage Federal Credit Union $35,000 n/a 0.0%
    SPRING EQ, LLC $35,000 n/a 0.0%
    FOUR POINTS $25,000 n/a 0.0%
    UNITED $25,000 n/a 0.0%

    Searcy's top lender by overall market share is First Community Bank, with 13.0% market share. In second place, with 11.3%, is First Security Bank, having originated $27,950,000 in loans. In third place, with 6.6%, is Simmons Bank, having originated $16,485,000 in loans. In fourth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $13,200,000 in loans. In fifth place, with 3.3%, is WALKER & DUNLOP, LLC, having originated $8,265,000 in loans.

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

    Realtor.com - Searcy (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 $132,675 (-1.1%) $174,511 (-0.8%) 0.00 311
    2018-02-01 $134,675 (0.6%) $176,178 (1.7%) 0.00 301
    2018-03-01 $139,900 (0.5%) $178,677 (0.5%) 0.00 311
    2018-04-01 $148,975 (8.0%) $185,669 (3.8%) 0.00 323
    2018-05-01 $148,500 (5.3%) $182,895 (-2.9%) 0.00 328
    2018-06-01 $144,500 (-0.8%) $182,982 (-4.6%) 0.00 373
    2018-07-01 $146,750 (-1.8%) $186,260 (-2.5%) 0.00 376
    2018-08-01 $147,950 (-0.5%) $183,759 (-2.0%) 0.00 370
    2018-09-01 $149,000 (-0.6%) $187,253 (-1.2%) 0.00 364
    2018-10-01 $146,000 (-2.7%) $218,496 (16.5%) 0.00 362
    2018-11-01 $139,950 (-5.3%) $211,828 (13.1%) 0.00 355
    2018-12-01 $137,500 (-0.5%) $215,468 (19.8%) 0.00 321
    2019-01-01 $135,925 (2.5%) $213,349 (22.3%) 0.00 285
    2019-02-01 $139,200 (3.4%) $225,599 (28.1%) 0.00 280
    2019-03-01 $146,329 (4.6%) $229,596 (28.5%) 0.00 294
    2019-04-01 $154,900 (4.0%) $229,992 (23.9%) 0.00 306
    2019-05-01 $159,375 (7.3%) $231,273 (26.5%) 0.00 316
    2019-06-01 $154,900 (7.2%) $221,514 (21.1%) 0.00 333
    2019-07-01 $159,200 (8.5%) $223,068 (19.8%) 0.00 336
    2019-08-01 $157,200 (6.3%) $216,689 (17.9%) 0.00 320
    2019-09-01 $153,150 (2.8%) $200,269 (7.0%) 0.00 308
    2019-10-01 $151,700 (3.9%) $191,076 (-12.6%) 0.00 295
    2019-11-01 $149,000 (6.5%) $192,288 (-9.2%) 0.00 296
    2019-12-01 $137,850 (0.3%) $190,803 (-11.5%) 0.00 270
    2020-01-01 $134,950 (-0.7%) $186,562 (-12.6%) 0.00 248
    2020-02-01 $142,000 (2.0%) $194,254 (-13.9%) 0.00 244
    2020-03-01 $149,500 (2.2%) $198,757 (-13.4%) 0.00 230
    2020-04-01 $153,375 (-1.0%) $200,210 (-13.0%) 0.00 233
    2020-05-01 $155,000 (-2.8%) $206,031 (-10.9%) 0.00 186
    2020-06-01 $159,450 (2.9%) $214,994 (-2.9%) 0.00 168
    2020-07-01 $164,750 (3.5%) $223,101 (0.0%) 0.00 146
    2020-08-01 $165,000 (5.0%) $225,797 (4.2%) 0.00 134
    2020-09-01 $163,000 (6.4%) $220,887 (10.3%) 0.00 149
    2020-10-01 $151,675 (0.0%) $221,347 (15.8%) 0.00 133
    2020-11-01 $163,500 (9.7%) $231,331 (20.3%) 0.00 130
    2020-12-01 $165,000 (19.7%) $240,103 (25.8%) 0.00 119
    2021-01-01 $159,200 (18.0%) $240,761 (29.1%) 0.00 94
    2021-02-01 $166,100 (17.0%) $232,709 (19.8%) 0.00 79
    2021-03-01 $166,950 (11.7%) $242,301 (21.9%) 0.00 72
    2021-04-01 $189,900 (23.8%) $264,224 (32.0%) 0.00 63
    2021-05-01 $172,500 (11.3%) $250,551 (21.6%) 0.00 68
    2021-06-01 $172,950 (8.5%) $244,519 (13.7%) 0.00 87
    2021-07-01 $189,900 (15.3%) $255,288 (14.4%) 0.00 106
    2021-08-01 $177,950 (7.9%) $245,719 (8.8%) 0.00 106
    2021-09-01 $174,404 (7.0%) $241,338 (9.3%) 0.00 109
    2021-10-01 $178,288 (17.6%) $246,377 (11.3%) 0.00 113
    2021-11-01 $175,250 (7.2%) $249,853 (8.0%) 0.00 99
    2021-12-01 $182,625 (10.7%) $252,558 (5.2%) 0.00 92
    2022-01-01 $185,000 (16.2%) $280,077 (16.3%) 0.00 72
    2022-02-01 $159,000 (-4.3%) $274,942 (18.2%) 0.00 73
    2022-03-01 $162,725 (-2.5%) $286,126 (18.1%) 0.00 72
    2022-04-01 $230,000 (21.1%) $304,493 (15.2%) 0.00 72
    2022-05-01 $206,639 (19.8%) $296,731 (18.4%) 0.00 87
    2022-06-01 $213,721 (23.6%) $301,758 (23.4%) 0.00 90
    2022-07-01 $219,900 (15.8%) $281,979 (10.5%) 0.00 118
    2022-08-01 $224,999 (26.4%) $285,237 (16.1%) 0.00 122
    2022-09-01 $209,950 (20.4%) $279,215 (15.7%) 0.00 120
    2022-10-01 $215,000 (20.6%) $282,030 (14.5%) 0.00 114
    2022-11-01 $210,950 (20.4%) $269,780 (8.0%) 0.00 129
    2022-12-01 $228,900 (25.3%) $297,028 (17.6%) 0.00 128
    2023-01-01 $244,450 (32.1%) $297,529 (6.2%) 0.00 96
    2023-02-01 $245,500 (54.4%) $328,358 (19.4%) 0.00 92
    2023-03-01 $249,950 (53.6%) $332,067 (16.1%) 0.00 97
    2023-04-01 $265,000 (15.2%) $362,042 (18.9%) 0.00 100
    2023-05-01 $275,000 (33.1%) $369,493 (24.5%) 0.00 110
    2023-06-01 $249,450 (16.7%) $351,580 (16.5%) 0.00 113
    2023-07-01 $250,000 (13.7%) $339,976 (20.6%) 0.00 121
    2023-08-01 $236,150 (5.0%) $335,722 (17.7%) 0.00 133
    2023-09-01 $241,250 (14.9%) $331,374 (18.7%) 0.00 148
    2023-10-01 $224,836 (4.6%) $318,701 (13.0%) 0.00 145
    2023-11-01 $225,000 (6.7%) $314,342 (16.5%) 0.00 153
    2023-12-01 $229,900 (0.4%) $313,979 (5.7%) 0.00 156
    2024-01-01 $229,950 (-5.9%) $312,996 (5.2%) 0.00 145
    2024-02-01 $232,766 (-5.2%) $325,579 (-0.9%) 0.00 140
    2024-03-01 $232,250 (-7.1%) $325,092 (-2.1%) 0.00 151
    2024-04-01 $232,900 (-12.1%) $326,998 (-9.7%) 0.00 163
    2024-05-01 $233,475 (-15.1%) $320,472 (-13.3%) 0.00 169
    2024-06-01 $237,200 (-4.9%) $326,236 (-7.2%) 0.00 166
    2024-07-01 $249,500 (-0.2%) $334,401 (-1.6%) 0.00 186
    2024-08-01 $249,000 (5.4%) $325,626 (-3.0%) 0.00 192
    2024-09-01 $222,400 (-7.8%) $309,092 (-6.7%) 0.00 200
    2024-10-01 $227,400 (1.1%) $294,056 (-7.7%) 0.00 208
    2024-11-01 $223,250 (-0.8%) $290,057 (-7.7%) 0.00 225
    2024-12-01 $214,950 (-6.5%) $287,974 (-8.3%) 0.00 224
    2025-01-01 $215,000 (-6.5%) $283,032 (-9.6%) 0.00 216
    2025-02-01 $219,925 (-5.5%) $292,856 (-10.1%) 0.00 222
    2025-03-01 $219,950 (-5.3%) $296,947 (-8.7%) 0.00 218
    Searcy's median listing price for 2025-03-01 was $219,950, a difference of $-12,300 (-5.3%) versus the prior year and $25 versus the prior month.

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

    Searcy's average listing price for 2025-03-01 was $296,947, a difference of $-28,145 (-8.7%) versus the prior year and $4,091 versus the prior month.

    For the 2025-03-01 period, Searcy had 218 MLS listings, a difference of -4 listings (-2%) versus the prior month and 67 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Searcy (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,625 sqft
    2018-02-01 0 days 1,637 sqft
    2018-03-01 0 days 1,730 sqft
    2018-04-01 0 days 1,788 sqft
    2018-05-01 0 days 1,786 sqft
    2018-06-01 0 days 1,764 sqft
    2018-07-01 0 days 1,765 sqft
    2018-08-01 0 days 1,736 sqft
    2018-09-01 0 days 1,750 sqft
    2018-10-01 0 days 1,706 sqft
    2018-11-01 0 days 1,690 sqft
    2018-12-01 0 days 1,653 sqft
    2019-01-01 0 days 1,659 sqft
    2019-02-01 0 days 1,730 sqft
    2019-03-01 0 days 1,802 sqft
    2019-04-01 0 days 1,840 sqft
    2019-05-01 0 days 1,874 sqft
    2019-06-01 0 days 1,816 sqft
    2019-07-01 0 days 1,832 sqft
    2019-08-01 0 days 1,835 sqft
    2019-09-01 0 days 1,830 sqft
    2019-10-01 0 days 1,829 sqft
    2019-11-01 0 days 1,804 sqft
    2019-12-01 0 days 1,804 sqft
    2020-01-01 0 days 1,801 sqft
    2020-02-01 0 days 1,801 sqft
    2020-03-01 0 days 1,781 sqft
    2020-04-01 0 days 1,804 sqft
    2020-05-01 0 days 1,815 sqft
    2020-06-01 0 days 1,821 sqft
    2020-07-01 0 days 1,906 sqft
    2020-08-01 0 days 1,934 sqft
    2020-09-01 0 days 1,877 sqft
    2020-10-01 0 days 1,848 sqft
    2020-11-01 0 days 1,941 sqft
    2020-12-01 0 days 1,944 sqft
    2021-01-01 0 days 1,814 sqft
    2021-02-01 0 days 1,826 sqft
    2021-03-01 0 days 1,839 sqft
    2021-04-01 0 days 1,827 sqft
    2021-05-01 0 days 1,710 sqft
    2021-06-01 0 days 1,840 sqft
    2021-07-01 0 days 1,914 sqft
    2021-08-01 0 days 1,862 sqft
    2021-09-01 0 days 1,867 sqft
    2021-10-01 0 days 1,866 sqft
    2021-11-01 0 days 1,857 sqft
    2021-12-01 0 days 1,878 sqft
    2022-01-01 0 days 1,900 sqft
    2022-02-01 0 days 1,761 sqft
    2022-03-01 0 days 1,754 sqft
    2022-04-01 0 days 1,892 sqft
    2022-05-01 0 days 1,778 sqft
    2022-06-01 0 days 1,818 sqft
    2022-07-01 0 days 1,752 sqft
    2022-08-01 0 days 1,773 sqft
    2022-09-01 0 days 1,772 sqft
    2022-10-01 0 days 1,779 sqft
    2022-11-01 0 days 1,787 sqft
    2022-12-01 0 days 1,800 sqft
    2023-01-01 0 days 1,898 sqft
    2023-02-01 0 days 1,999 sqft
    2023-03-01 0 days 2,028 sqft
    2023-04-01 0 days 1,925 sqft
    2023-05-01 0 days 1,910 sqft
    2023-06-01 0 days 1,885 sqft
    2023-07-01 0 days 1,903 sqft
    2023-08-01 0 days 1,873 sqft
    2023-09-01 0 days 1,905 sqft
    2023-10-01 0 days 1,850 sqft
    2023-11-01 0 days 1,820 sqft
    2023-12-01 0 days 1,818 sqft
    2024-01-01 0 days 1,776 sqft
    2024-02-01 0 days 1,829 sqft
    2024-03-01 0 days 1,800 sqft
    2024-04-01 0 days 1,736 sqft
    2024-05-01 0 days 1,789 sqft
    2024-06-01 0 days 1,830 sqft
    2024-07-01 0 days 1,815 sqft
    2024-08-01 0 days 1,800 sqft
    2024-09-01 0 days 1,754 sqft
    2024-10-01 0 days 1,731 sqft
    2024-11-01 0 days 1,710 sqft
    2024-12-01 0 days 1,644 sqft
    2025-01-01 0 days 1,650 sqft
    2025-02-01 0 days 1,703 sqft
    2025-03-01 0 days 1,686 sqft
    Searcy's median listing age (time on market) for 2025-03-01 was 0 days.

    Searcy's median square footage for active listings during the 2025-03-01 period was 1,686 sqft. One year prior, the average listing was 1,800 sqft.

    Searcy, AR Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 912 $174,360,000 $191,184
    Refi 173 $34,625,000 $200,145
    Cash Out Refi 140 $23,530,000 $168,071
    Other 137 $8,455,000 $61,715
    Home Improvement 108 $7,260,000 $67,222

    Searcy's most frequently cited loan purpose was Home Purchase, with 912 originations. The 2nd most popular reason was Refi, with 173 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 535 $102,885,000 $192,308
    Over 8% 438 $42,520,000 $97,078
    5-6% 233 $55,915,000 $239,979
    7-8% 231 $41,735,000 $180,671
    4-5% 9 $1,775,000 $197,222
    3-4% 3 $345,000 $115,000
    <2.5% 2 $220,000 $110,000
    2.5-3% 1 $165,000 $165,000

    During 2024, Searcy's most frequently originated rate bucket was 6-7%, with 535 originations.

    Loan Sizing (Searcy, AR MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 556 $81,840,000 $147,194
    $100,000 or less 477 $26,295,000 $55,126
    $200k-400k 372 $98,150,000 $263,844
    $400k-600k 52 $24,340,000 $468,077
    $600k-1000k 11 $8,035,000 $730,455
    $Over $1MM 2 $9,570,000 $4,785,000

    Searcy's loan sizing saw the bucket of loans from $100k-200k with 556 originations, totaling $81,840,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 675 $134,695,000 $199,548
    60-80% 287 $60,275,000 $210,017
    20-40% 153 $12,805,000 $83,693
    Under 20% 153 $5,525,000 $36,111
    40-60% 121 $17,905,000 $147,975
    Over 100% 36 $8,570,000 $238,056

    Searcy's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 675 originations, totaling $134,695,000 in origination value.