Sulphur Springs Mortgage Rates & Closing Costs
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% |
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.).
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. LouisDate | 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 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. LouisDate | 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 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.