Sulphur Springs Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Sulphur Springs averaged 7.37% for the week of 2023-11-30, compared to the national average of 7.22% for the same period.

The average rate for the prior week (2023-11-22) was 7.24% and one month ago for the week of 2023-10-26, the average rate was 7.94%.

Sulphur Springs's average rate one year ago was 6.63%.

For refis of the same type during the week of 2023-11-30, the average rate was 7.72%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-30 7.22%
Sulphur Springs 30 Year Fixed Rate 2023-11-30 7.37%
Sulphur Springs 30 Year Fixed Rate Refi 2023-11-30 7.72%
Sulphur Springs 15 Year Fixed Rate 2023-11-30 6.46%
Sulphur Springs 15 Year Fixed Rate Refi 2023-11-30 7.06%
Sulphur Springs 30 Year FHA 2023-11-30 6.72%
Sulphur Springs 30 Year FHA Refi 2023-11-30 6.75%
Sulphur Springs 30 Year USDA 2023-11-30 6.8%
Sulphur Springs 30 Year USDA Refi 2023-11-30 7%
Sulphur Springs 30 Year VA 2023-11-30 6.87%
Sulphur Springs 30 Year VA Refi 2023-11-30 6.67%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sulphur Springs, TX.

Sulphur Springs 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 Sulphur Springs, TX 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
The City National Bank of Sulphur Springs 76 5.23% $3,618
QUICKEN LOANS, LLC 15 5.04% $5,723
Nations Lending Corporation 12 5.59% $7,946
EVERETT FINANCIAL, INC. 12 6.11% $3,060
Guaranty Bank & Trust, N.A. 12 5.57% $5,172
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 5.21% $8,543
LOANDEPOT.COM, LLC 5 4.35% $6,233
JPMorgan Chase Bank 5 4.55% $4,743
SFMC, LP 4 5.00% $8,669
Mr. Cooper ( Nationstar Mortgage ) 4 5.15% $5,971
RED RIVER EMPLOYEES 4 5.44% $5,989
U.S. Bank 3 5.33% $5,654
VANDERBILT MORTGAGE AND FINANCE, INC. 3 7.58% $6,816
GUILD MORTGAGE COMPANY 3 5.12% $7,618
BROKER SOLUTIONS, INC. 3 5.79% $7,430
UNITED WHOLESALE MORTGAGE, LLC 3 5.57% $4,507
ROYAL UNITED MORTGAGE LLC 3 5.42% $8,950
AMCAP MORTGAGE, LTD. 2 5.31% $8,174
ANGEL OAK HOME LOANS LLC 2 5.69% $7,317
ASPIRE FINANCIAL, INC. 2 5.63% $5,983
CARDINAL FINANCIAL 2 5.38% $16,446
Farm Credit Mid-America, ACA 2 5.28% $14,912
FINANCE OF AMERICA MORTGAGE LLC 2 4.87% $4,135
GUARANTEED RATE, INC. 2 5.19% $6,063
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 3.56% $5,753
HOME POINT FINANCIAL CORPORATION 2 4.38% $8,741
MORTGAGE FINANCIAL SERVICES, LLC 2 4.75% $5,630
The American National Bank of Texas 2 3.81% $3,491
THRIVE MORTGAGE, LLC 2 6.06% $6,212
Watermark Capital, Inc. 2 4.25% $4,974
Wells Fargo Bank 2 4.94% $6,901
AMERISAVE MORTGAGE CORPORATION 1 6.38% $4,247
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 5.00% $4,557
Flagstar Bank, FSB 1 5.63% $7,250
First Bank 1 4.50% $4,831
NAVY FEDERAL CREDIT UNION 1 6.50% $8,649
Network Funding, L.P. 1 7.13% $12,051
Paramount Residential Mortgage Group, Inc. 1 6.13% $22,173
PENNYMAC LOAN SERVICES, LLC 1 6.00% $11,731
PENTAGON FEDERAL CREDIT UNION 1 5.88% $4,660
PHH Mortgage Corporation 1 5.00% $7,849
Prosperity Home Mortgage, LLC 1 3.38% $7,055
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.25% $8,623
RED DIAMOND HOME LOANS, LLC 1 5.88% $4,722
DAS Acquisition Company, LLC 1 4.88% $11,602
CERTAINTY HOME LOANS, LLC 1 5.99% $4,698
CANOPY MORTGAGE, LLC 1 5.63% $6,448
SOUTHWEST FUNDING, LP 1 3.88% $7,383
SUMMIT FUNDING, INC. 1 3.38% $14,449
Sunflower Bank 1 5.63% $8,798
Texas Bank and Trust Company 1 5.00% $4,311
TEXAS TRUST 1 5.75% $1,936
AMERICAN FINANCING CORPORATION 1 5.38% $7,054
CALIBER HOME LOANS, INC. 1 3.75% $3,167
Wyndham Capital Mortgage, Inc. 1 5.75% $6,662
Town Square Mortgage & Investments, Inc. 1 6.13% $5,268
TRIAD FINANCIAL SERVICES, INC. 1 5.75% $12,136
Trinity Oaks Mortgage, LLC 1 5.25% $5,480
UNION HOME MORTGAGE CORP. 1 7.00% $4,500
UNITED MORTGAGE CORP 1 5.63% $6,827
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $7,999
Hometown Lenders, Inc. 1 4.38% $4,348
GREAT WESTERN FINANCIAL SERVICES, INC. 1 3.63% $5,753
Gateway First Bank 1 3.88% $7,877
LONE STAR 1 5.00% $785
MID AMERICA MORTGAGE, INC. 1 4.38% $5,841

Sulphur Springs Average Closing Costs & Other Stats

Sulphur Springs, TX's 66 lenders originated 713 loans during 2022. The total origination value was $157,165,000, with an average loan value of $220,428.

Sulphur Springs's average closing costs are $5,333.

The top Sulphur Springs lender as defined by loan originations is The City National Bank of Sulphur Springs, with 76 loans originated. Their average total fees are $3,618, which is $2,105 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Sulphur Springs lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($3,060), The City National Bank of Sulphur Springs ($3,618), Guaranty Bank & Trust, N.A. ($5,172), QUICKEN LOANS, LLC ($5,723) and Nations Lending Corporation ($7,946).

The lowest rate Sulphur Springs lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (5.04%), The City National Bank of Sulphur Springs (5.23%), Guaranty Bank & Trust, N.A. (5.57%), Nations Lending Corporation (5.59%) and EVERETT FINANCIAL, INC. (6.11%).

Sulphur Springs, TX 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
The City National Bank of Sulphur Springs $39,210,000 $31,175,000 -20.5% 19.8%
Alliance Bank $25,395,000 $16,445,000 -35.2% 10.5%
Guaranty Bank & Trust, N.A. $8,695,000 $9,305,000 7.0% 5.9%
Nations Lending Corporation $11,030,000 $8,045,000 -27.1% 5.1%
QUICKEN LOANS, LLC $13,870,000 $6,150,000 -55.7% 3.9%
EVERETT FINANCIAL, INC. $1,910,000 $5,700,000 198.4% 3.6%
21ST MORTGAGE CORPORATION $1,965,000 $3,355,000 70.7% 2.1%
TRIAD FINANCIAL SERVICES, INC. $495,000 $3,310,000 568.7% 2.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,855,000 $3,200,000 12.1% 2.0%
Mortgage Research Center, LLC $3,440,000 $2,450,000 -28.8% 1.6%
AMPLIFY $255,000 $2,295,000 800.0% 1.5%
First National Bank of East Texas $1,765,000 $2,265,000 28.3% 1.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,105,000 $1,870,000 69.2% 1.2%
LOANDEPOT.COM, LLC $1,305,000 $1,840,000 41.0% 1.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $645,000 $1,725,000 167.4% 1.1%
GUILD MORTGAGE COMPANY $2,855,000 $1,720,000 -39.8% 1.1%
UNITED WHOLESALE MORTGAGE, LLC $1,645,000 $1,710,000 4.0% 1.1%
RED RIVER EMPLOYEES $705,000 $1,665,000 136.2% 1.1%
SFMC, LP $1,450,000 $1,635,000 12.8% 1.0%
RF Renovo Management Company, LLC $995,000 $1,435,000 44.2% 0.9%
Prosperity Home Mortgage, LLC $1,405,000 n/a 0.9%
Mr. Cooper ( Nationstar Mortgage ) $1,290,000 $1,395,000 8.1% 0.9%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $915,000 $1,350,000 47.5% 0.9%
SOUTHWEST STAGE FUNDING, LLC $1,640,000 $1,330,000 -18.9% 0.8%
MID AMERICA MORTGAGE, INC. $585,000 $1,290,000 120.5% 0.8%
Sunflower Bank $1,290,000 n/a 0.8%
U.S. Bank $200,000 $1,280,000 540.0% 0.8%
RANDOLPH-BROOKS $1,275,000 n/a 0.8%
THRIVE MORTGAGE, LLC $370,000 $1,275,000 244.6% 0.8%
ASPIRE FINANCIAL, INC. $750,000 $1,170,000 56.0% 0.7%
HOME POINT FINANCIAL CORPORATION $690,000 $1,160,000 68.1% 0.7%
AMCAP MORTGAGE, LTD. $690,000 $1,055,000 52.9% 0.7%
JPMorgan Chase Bank $105,000 $950,000 804.8% 0.6%
Town Square Mortgage & Investments, Inc. $920,000 n/a 0.6%
Cypress Bank, SSB $100,000 $900,000 800.0% 0.6%
Farm Credit Mid-America, ACA $2,935,000 $870,000 -70.4% 0.6%
BROKER SOLUTIONS, INC. $590,000 $855,000 44.9% 0.5%
PENNYMAC LOAN SERVICES, LLC $1,520,000 $820,000 -46.1% 0.5%
ANGEL OAK HOME LOANS LLC $690,000 $790,000 14.5% 0.5%
NAVY FEDERAL CREDIT UNION $1,070,000 $785,000 -26.6% 0.5%
First Bank $770,000 n/a 0.5%
MORTGAGE FINANCIAL SERVICES, LLC $1,025,000 $770,000 -24.9% 0.5%
Gateway First Bank $1,710,000 $745,000 -56.4% 0.5%
GUARANTEED RATE, INC. $525,000 $740,000 41.0% 0.5%
The American National Bank of Texas $1,630,000 $720,000 -55.8% 0.5%
Pilgrim Bank $710,000 n/a 0.5%
Citizens Bank $390,000 $645,000 65.4% 0.4%
Wells Fargo Bank $1,530,000 $630,000 -58.8% 0.4%
Paramount Residential Mortgage Group, Inc. $245,000 $595,000 142.9% 0.4%
USAA Federal Savings Bank $680,000 $580,000 -14.7% 0.4%
Plains Commerce Bank $570,000 n/a 0.4%
CROSSCOUNTRY MORTGAGE, LLC $185,000 $565,000 205.4% 0.4%
GREAT WESTERN FINANCIAL SERVICES, INC. $175,000 $550,000 214.3% 0.3%
SOUTHWEST FUNDING, LP $225,000 $540,000 140.0% 0.3%
Flagstar Bank, FSB $420,000 $505,000 20.2% 0.3%
ROYAL UNITED MORTGAGE LLC $95,000 $490,000 415.8% 0.3%
DRAPER AND KRAMER MORTGAGE CORP. $630,000 $455,000 -27.8% 0.3%
UNION HOME MORTGAGE CORP. $95,000 $440,000 363.2% 0.3%
MOVEMENT MORTGAGE, LLC $970,000 $400,000 -58.8% 0.3%
VeraBank $335,000 $390,000 16.4% 0.2%
Austin Bank, Texas $225,000 $385,000 71.1% 0.2%
FREEDOM MORTGAGE CORPORATION $2,700,000 $385,000 -85.7% 0.2%
NEWREZ LLC $1,255,000 $380,000 -69.7% 0.2%
CALIBER HOME LOANS, INC. $930,000 $370,000 -60.2% 0.2%
CIVIC FINANCIAL SERVICES, LLC $995,000 $370,000 -62.8% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $365,000 n/a 0.2%
Commerce Home Mortgage, Inc. $335,000 $350,000 4.5% 0.2%
DAS Acquisition Company, LLC $345,000 n/a 0.2%
Network Funding, L.P. $325,000 $345,000 6.2% 0.2%
Frost Bank $105,000 $340,000 223.8% 0.2%
Wyndham Capital Mortgage, Inc. $340,000 n/a 0.2%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $325,000 n/a 0.2%
First Savings Bank $325,000 n/a 0.2%
BECKAM FUNDING CORP. $305,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $860,000 $305,000 -64.5% 0.2%
Texas Bank and Trust Company $205,000 $305,000 48.8% 0.2%
AMERISAVE MORTGAGE CORPORATION $290,000 $300,000 3.4% 0.2%
INTERLINC MORTGAGE SERVICES, LLC $360,000 $300,000 -16.7% 0.2%
Watermark Capital, Inc. $300,000 n/a 0.2%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $730,000 $295,000 -59.6% 0.2%
Lend Smart Mortgage, LLC $295,000 n/a 0.2%
RELIANCE FIRST CAPITAL, LLC $285,000 n/a 0.2%
TEXAS TRUST $270,000 n/a 0.2%
CERTAINTY HOME LOANS, LLC $265,000 n/a 0.2%
Credit Union of Texas $265,000 n/a 0.2%
Hometown Lenders, Inc. $265,000 n/a 0.2%
PENTAGON FEDERAL CREDIT UNION $260,000 $265,000 1.9% 0.2%
SUMMIT FUNDING, INC. $265,000 n/a 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $470,000 $255,000 -45.7% 0.2%
Cooperative Teachers Credit Union $255,000 n/a 0.2%
OPEN MORTGAGE, LLC $960,000 $255,000 -73.4% 0.2%
Amerifirst Financial, Inc. $245,000 n/a 0.2%
CANOPY MORTGAGE, LLC $235,000 n/a 0.1%
PHH Mortgage Corporation $155,000 $225,000 45.2% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $700,000 $225,000 -67.9% 0.1%
RED DIAMOND HOME LOANS, LLC $225,000 n/a 0.1%
Trinity Oaks Mortgage, LLC $225,000 n/a 0.1%
Lamar National Bank $620,000 $215,000 -65.3% 0.1%
PLAZA HOME MORTGAGE, INC. $215,000 n/a 0.1%
ASSOCIATED MORTGAGE CORPORATION $205,000 n/a 0.1%
Strong Home Mortgage, LLC $205,000 n/a 0.1%
S1L, Inc. $730,000 $200,000 -72.6% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $145,000 $190,000 31.0% 0.1%
LONE STAR $175,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $325,000 $175,000 -46.2% 0.1%
UNITED MORTGAGE CORP. $175,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $245,000 $165,000 -32.7% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $300,000 $165,000 -45.0% 0.1%
CHURCHILL MORTGAGE CORPORATION $470,000 $145,000 -69.1% 0.1%
Encompass Lending Group, LP $145,000 n/a 0.1%
Texas National Bank of Jacksonville $145,000 n/a 0.1%
AMERICAN ADVISORS GROUP $470,000 $140,000 -70.2% 0.1%
AMERICAN FINANCING CORPORATION $545,000 $135,000 -75.2% 0.1%
Legend Bank, N.A. $125,000 n/a 0.1%
Commercial Bank of Texas $1,480,000 $115,000 -92.2% 0.1%
Inwood National Bank $115,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $115,000 n/a 0.1%
Truist $270,000 $110,000 -59.3% 0.1%
LOANPAL, LLC $235,000 $85,000 -63.8% 0.1%
PARSONS Federal Credit Union $85,000 n/a 0.1%
FirstBank $75,000 n/a 0.0%
American Airlines Federal Credit Union $65,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $65,000 n/a 0.0%

Sulphur Springs's top lender by overall market share is The City National Bank of Sulphur Springs, with 19.8% market share. In second place, with 10.5%, is Alliance Bank, having originated $16,445,000 in loans. In third place, with 5.9%, is Guaranty Bank & Trust, N.A., having originated $9,305,000 in loans. In fourth place, with 5.1%, is Nations Lending Corporation, having originated $8,045,000 in loans. In fifth place, with 3.9%, is QUICKEN LOANS, LLC, having originated $6,150,000 in loans.


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

Realtor.com - Sulphur Springs (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 $158,675 (-11.1%) $241,601 (-7.5%) 0.00 94
2018-02-01 $161,950 (-10.0%) $248,852 (-6.9%) 0.00 84
2018-03-01 $165,000 (-13.4%) $251,683 (-2.4%) 0.00 75
2018-04-01 $162,125 (-15.8%) $240,964 (-11.6%) 0.00 77
2018-05-01 $169,950 (-8.6%) $254,278 (-7.6%) 0.00 81
2018-06-01 $175,000 (-10.1%) $249,767 (-12.5%) 0.00 98
2018-07-01 $189,950 (-7.3%) $266,735 (-13.7%) 0.00 98
2018-08-01 $172,475 (-5.2%) $263,230 (-7.2%) 0.00 89
2018-09-01 $182,450 (5.8%) $272,889 (1.5%) 0.00 85
2018-10-01 $179,900 (14.3%) $269,102 (17.0%) 0.00 93
2018-11-01 $189,450 (26.4%) $313,253 (36.4%) 0.00 86
2018-12-01 $179,900 (12.5%) $300,817 (20.8%) 0.00 91
2019-01-01 $177,400 (11.8%) $282,087 (16.8%) 0.00 84
2019-02-01 $194,225 (19.9%) $298,635 (20.0%) 0.00 65
2019-03-01 $197,100 (19.5%) $320,124 (27.2%) 0.00 69
2019-04-01 $209,450 (29.2%) $344,145 (42.8%) 0.00 73
2019-05-01 $219,950 (29.4%) $384,641 (51.3%) 0.00 66
2019-06-01 $219,000 (25.1%) $326,305 (30.6%) 0.00 72
2019-07-01 $175,000 (-7.9%) $270,261 (1.3%) 0.00 71
2019-08-01 $183,473 (6.4%) $274,834 (4.4%) 0.00 71
2019-09-01 $184,332 (1.0%) $280,310 (2.7%) 0.00 70
2019-10-01 $187,375 (4.2%) $286,979 (6.6%) 0.00 69
2019-11-01 $199,900 (5.5%) $308,648 (-1.5%) 0.00 70
2019-12-01 $195,501 (8.7%) $313,766 (4.3%) 0.00 67
2020-01-01 $226,125 (27.5%) $323,739 (14.8%) 0.00 63
2020-02-01 $179,900 (-7.4%) $294,121 (-1.5%) 0.00 60
2020-03-01 $169,900 (-13.8%) $290,572 (-9.2%) 0.00 71
2020-04-01 $194,900 (-7.0%) $314,216 (-8.7%) 0.00 66
2020-05-01 $219,250 (-0.3%) $314,033 (-18.4%) 0.00 61
2020-06-01 $191,575 (-12.5%) $303,593 (-7.0%) 0.00 62
2020-07-01 $193,575 (10.6%) $307,538 (13.8%) 0.00 53
2020-08-01 $234,450 (27.8%) $332,484 (21.0%) 0.00 48
2020-09-01 $242,075 (31.3%) $339,047 (21.0%) 0.00 50
2020-10-01 $259,000 (38.2%) $368,408 (28.4%) 0.00 54
2020-11-01 $243,225 (21.7%) $365,101 (18.3%) 0.00 46
2020-12-01 $208,425 (6.6%) $374,197 (19.3%) 0.00 43
2021-01-01 $205,900 (-8.9%) $374,418 (15.7%) 0.00 41
2021-02-01 $219,500 (22.0%) $412,614 (40.3%) 0.00 29
2021-03-01 $219,000 (28.9%) $383,968 (32.1%) 0.00 30
2021-04-01 $216,950 (11.3%) $391,808 (24.7%) 0.00 29
2021-05-01 $255,000 (16.3%) $494,191 (57.4%) 0.00 23
2021-06-01 $264,950 (38.3%) $498,740 (64.3%) 0.00 32
2021-07-01 $254,500 (31.5%) $440,527 (43.2%) 0.00 39
2021-08-01 $227,500 (-3.0%) $382,614 (15.1%) 0.00 45
2021-09-01 $238,675 (-1.4%) $422,951 (24.8%) 0.00 41
2021-10-01 $219,000 (-15.4%) $400,900 (8.8%) 0.00 48
2021-11-01 $261,850 (7.7%) $398,097 (9.0%) 0.00 43
2021-12-01 $294,250 (41.2%) $426,740 (14.0%) 0.00 26
2022-01-01 $247,445 (20.2%) $433,068 (15.7%) 0.00 24
2022-02-01 $267,245 (21.8%) $482,315 (16.9%) 0.00 28
2022-03-01 $274,750 (25.5%) $440,410 (14.7%) 0.00 30
2022-04-01 $329,000 (51.7%) $472,978 (20.7%) 0.00 34
2022-05-01 $358,725 (40.7%) $477,035 (-3.5%) 0.00 42
2022-06-01 $318,725 (20.3%) $476,817 (-4.4%) 0.00 57
2022-07-01 $336,250 (32.1%) $479,984 (9.0%) 0.00 73
2022-08-01 $325,725 (43.2%) $457,676 (19.6%) 0.00 81
2022-09-01 $318,472 (33.4%) $441,119 (4.3%) 0.00 81
2022-10-01 $321,500 (46.8%) $453,250 (13.1%) 0.00 85
2022-11-01 $299,000 (14.2%) $432,593 (8.7%) 0.00 101
2022-12-01 $299,000 (1.6%) $449,999 (5.5%) 0.00 90
2023-01-01 $309,749 (25.2%) $464,639 (7.3%) 0.00 88
2023-02-01 $313,500 (17.3%) $463,513 (-3.9%) 0.00 83
2023-03-01 $301,194 (9.6%) $438,607 (-0.4%) 0.00 88
2023-04-01 $272,888 (-17.1%) $384,113 (-18.8%) 0.00 86
2023-05-01 $279,725 (-22.0%) $359,408 (-24.7%) 0.00 85
2023-06-01 $277,500 (-12.9%) $391,373 (-17.9%) 0.00 97
2023-07-01 $287,000 (-14.7%) $382,802 (-20.3%) 0.00 107
2023-08-01 $294,313 (-9.6%) $398,354 (-13.0%) 0.00 115
2023-09-01 $325,000 (2.1%) $423,372 (-4.0%) 0.00 108
2023-10-01 $313,416 (-2.5%) $413,890 (-8.7%) 0.00 103
2023-11-01 $300,944 (0.7%) $403,602 (-6.7%) 0.00 110
Sulphur Springs's median listing price for 2023-11-01 was $300,944, a difference of $1,944 (0.7%) versus the prior year and $-12,472 versus the prior month.

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

Sulphur Springs's average listing price for 2023-11-01 was $403,602, a difference of $-28,991 (-6.7%) versus the prior year and $-10,288 versus the prior month.

For the 2023-11-01 period, Sulphur Springs had 110 MLS listings, a difference of 7 listings (7%) versus the prior month and 9 listings (9%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Sulphur Springs (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,947 sqft
2018-02-01 0 days 1,948 sqft
2018-03-01 0 days 1,952 sqft
2018-04-01 0 days 1,984 sqft
2018-05-01 0 days 1,974 sqft
2018-06-01 0 days 1,938 sqft
2018-07-01 0 days 1,927 sqft
2018-08-01 0 days 1,871 sqft
2018-09-01 0 days 1,880 sqft
2018-10-01 0 days 1,923 sqft
2018-11-01 0 days 2,000 sqft
2018-12-01 0 days 1,933 sqft
2019-01-01 0 days 1,923 sqft
2019-02-01 0 days 1,923 sqft
2019-03-01 0 days 1,906 sqft
2019-04-01 0 days 1,951 sqft
2019-05-01 0 days 1,928 sqft
2019-06-01 0 days 1,834 sqft
2019-07-01 0 days 1,783 sqft
2019-08-01 0 days 1,808 sqft
2019-09-01 0 days 1,834 sqft
2019-10-01 0 days 1,882 sqft
2019-11-01 0 days 1,933 sqft
2019-12-01 0 days 1,953 sqft
2020-01-01 0 days 1,983 sqft
2020-02-01 0 days 1,846 sqft
2020-03-01 0 days 1,802 sqft
2020-04-01 0 days 1,955 sqft
2020-05-01 0 days 2,017 sqft
2020-06-01 0 days 1,859 sqft
2020-07-01 0 days 1,943 sqft
2020-08-01 0 days 1,920 sqft
2020-09-01 0 days 1,971 sqft
2020-10-01 0 days 1,999 sqft
2020-11-01 0 days 1,977 sqft
2020-12-01 0 days 1,906 sqft
2021-01-01 0 days 1,810 sqft
2021-02-01 0 days 1,907 sqft
2021-03-01 0 days 1,875 sqft
2021-04-01 0 days 1,850 sqft
2021-05-01 0 days 1,960 sqft
2021-06-01 0 days 1,939 sqft
2021-07-01 0 days 1,947 sqft
2021-08-01 0 days 1,899 sqft
2021-09-01 0 days 1,924 sqft
2021-10-01 0 days 1,800 sqft
2021-11-01 0 days 1,803 sqft
2021-12-01 0 days 1,931 sqft
2022-01-01 0 days 1,690 sqft
2022-02-01 0 days 1,904 sqft
2022-03-01 0 days 1,780 sqft
2022-04-01 0 days 1,766 sqft
2022-05-01 0 days 1,999 sqft
2022-06-01 0 days 1,950 sqft
2022-07-01 0 days 1,947 sqft
2022-08-01 0 days 1,913 sqft
2022-09-01 0 days 1,872 sqft
2022-10-01 0 days 1,843 sqft
2022-11-01 0 days 1,756 sqft
2022-12-01 0 days 1,763 sqft
2023-01-01 0 days 1,890 sqft
2023-02-01 0 days 1,801 sqft
2023-03-01 0 days 1,815 sqft
2023-04-01 0 days 1,771 sqft
2023-05-01 0 days 1,714 sqft
2023-06-01 0 days 1,753 sqft
2023-07-01 0 days 1,754 sqft
2023-08-01 0 days 1,794 sqft
2023-09-01 0 days 1,894 sqft
2023-10-01 0 days 1,863 sqft
2023-11-01 0 days 1,850 sqft
Sulphur Springs's median listing age (time on market) for 2023-11-01 was 0 days.

Sulphur Springs's median square footage for active listings during the 2023-11-01 period was 1,850 sqft. One year prior, the average listing was 1,756 sqft.

Sulphur Springs, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 477 $115,845,000 $242,862
Cash Out Refi 121 $20,835,000 $172,190
Refi 64 $13,570,000 $212,031
Other 27 $4,265,000 $157,963
Home Improvement 24 $2,650,000 $110,417

Sulphur Springs's most frequently cited loan purpose was Home Purchase, with 477 originations. The 2nd most popular reason was Cash Out Refi, with 121 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 185 $43,595,000 $235,649
4-5% 137 $31,435,000 $229,453
6-7% 115 $24,385,000 $212,043
3-4% 90 $22,290,000 $247,667
7-8% 33 $5,135,000 $155,606
Over 8% 29 $3,705,000 $127,759
2.5-3% 20 $4,100,000 $205,000
<2.5% 10 $1,460,000 $146,000

During 2022, Sulphur Springs's most frequently originated rate bucket was 5-6%, with 185 originations.

Loan Sizing (Sulphur Springs, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 263 $72,355,000 $275,114
$100k-200k 262 $39,980,000 $152,595
$100,000 or less 127 $8,825,000 $69,488
$400k-600k 40 $18,810,000 $470,250
$600k-1000k 18 $12,270,000 $681,667
$Over $1MM 3 $4,925,000 $1,641,667

Sulphur Springs's loan sizing saw the bucket of loans from $200k-400k with 263 originations, totaling $72,355,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 256 $58,210,000 $227,383
60-80% 184 $47,210,000 $256,576
40-60% 102 $21,210,000 $207,941
20-40% 42 $5,050,000 $120,238
Under 20% 21 $1,025,000 $48,810
Over 100% 13 $3,295,000 $253,462

Sulphur Springs's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 256 originations, totaling $58,210,000 in origination value.