Sulphur Springs Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sulphur Springs averaged
7.21%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
7.14% and
one month ago for the week of 2023-02-09, the
average rate was 6.73%.
Sulphur Springs's average rate one year ago was 4.06%.
For refis of the same type during the week of 2023-03-16, the average rate
was 6.63%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
| Sulphur Springs 30 Year Fixed Rate | 2023-03-16 | 7.21% |
| Sulphur Springs 30 Year Fixed Rate Refi | 2023-03-16 | 6.63% |
| Sulphur Springs 15 Year Fixed Rate | 2023-03-16 | 7.38% |
| Sulphur Springs 15 Year Fixed Rate Refi | 2023-03-16 | 6% |
| Sulphur Springs 30 Year FHA | 2023-03-16 | 6.55% |
| Sulphur Springs 30 Year FHA Refi | 2023-03-16 | 6.91% |
| Sulphur Springs 30 Year USDA | 2023-03-16 | 6.94% |
| Sulphur Springs 30 Year USDA Refi | 2023-03-16 | 6.79% |
| Sulphur Springs 30 Year VA | 2023-03-16 | 6.49% |
| Sulphur Springs 30 Year VA Refi | 2023-03-16 | 6.11% |
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 81 lenders originated 931
loans during 2021. The total origination value was $197,405,000, with an average loan value of
$212,035.
Sulphur Springs's average closing costs are $4,905.
The top Sulphur Springs lender as defined by loan originations is The City National Bank of Sulphur Springs, with
94 loans originated. Their average total fees are
$2,943, which is $1,785
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Sulphur Springs lenders (with over 10 loans originated) are
The City National Bank of Sulphur Springs ($2,943), Guaranty Bank & Trust, N.A. ($4,398), Nations Lending Corporation ($4,564), QUICKEN LOANS, LLC ($4,728) and .
The lowest rate Sulphur Springs lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (3.17%), Guaranty Bank & Trust, N.A. (3.19%), Nations Lending Corporation (3.25%), The City National Bank of Sulphur Springs (3.79%) and .
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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| The City National Bank of Sulphur Springs | $38,740,000 | $39,210,000 | 1.2% | 19.9% |
| Alliance Bank | $27,205,000 | $25,395,000 | -6.7% | 12.9% |
| QUICKEN LOANS, LLC | $8,940,000 | $13,870,000 | 55.1% | 7.0% |
| Dieterich Bank | $12,790,000 | n/a | 6.5% | |
| Nations Lending Corporation | $9,820,000 | $11,030,000 | 12.3% | 5.6% |
| Guaranty Bank & Trust, N.A. | $12,615,000 | $8,695,000 | -31.1% | 4.4% |
| Mortgage Research Center, LLC | $1,980,000 | $3,440,000 | 73.7% | 1.7% |
| Farm Credit Mid-America, ACA | $2,935,000 | n/a | 1.5% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,420,000 | $2,855,000 | 101.1% | 1.4% |
| GUILD MORTGAGE COMPANY | $3,020,000 | $2,855,000 | -5.5% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $2,010,000 | $2,700,000 | 34.3% | 1.4% |
| 21ST MORTGAGE CORPORATION | $490,000 | $1,965,000 | 301.0% | 1.0% |
| EVERETT FINANCIAL, INC. | $8,035,000 | $1,910,000 | -76.2% | 1.0% |
| First National Bank of East Texas | $660,000 | $1,765,000 | 167.4% | 0.9% |
| Gateway First Bank | $1,075,000 | $1,710,000 | 59.1% | 0.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $520,000 | $1,645,000 | 216.3% | 0.8% |
| SOUTHWEST STAGE FUNDING, LLC | $270,000 | $1,640,000 | 507.4% | 0.8% |
| The American National Bank of Texas | $4,290,000 | $1,630,000 | -62.0% | 0.8% |
| Wells Fargo Bank | $490,000 | $1,530,000 | 212.2% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $245,000 | $1,520,000 | 520.4% | 0.8% |
| Commercial Bank of Texas | $155,000 | $1,480,000 | 854.8% | 0.7% |
| SFMC, LP | $2,590,000 | $1,450,000 | -44.0% | 0.7% |
| LOANDEPOT.COM, LLC | $85,000 | $1,305,000 | 1,435.3% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $905,000 | $1,290,000 | 42.5% | 0.7% |
| NEWREZ LLC | $725,000 | $1,255,000 | 73.1% | 0.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $255,000 | $1,105,000 | 333.3% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $670,000 | $1,070,000 | 59.7% | 0.5% |
| MORTGAGE FINANCIAL SERVICES, LLC | $225,000 | $1,025,000 | 355.6% | 0.5% |
| CIVIC FINANCIAL SERVICES, LLC | $995,000 | n/a | 0.5% | |
| RF Renovo Management Company, LLC | $995,000 | n/a | 0.5% | |
| MOVEMENT MORTGAGE, LLC | $325,000 | $970,000 | 198.5% | 0.5% |
| OPEN MORTGAGE, LLC | $260,000 | $960,000 | 269.2% | 0.5% |
| CALIBER HOME LOANS, INC. | $485,000 | $930,000 | 91.8% | 0.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $900,000 | $915,000 | 1.7% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $330,000 | $890,000 | 169.7% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $645,000 | $860,000 | 33.3% | 0.4% |
| ASPIRE FINANCIAL, INC. | $375,000 | $750,000 | 100.0% | 0.4% |
| ACADEMY MORTGAGE CORPORATION | $780,000 | $740,000 | -5.1% | 0.4% |
| Raymond James Bank | $735,000 | n/a | 0.4% | |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $660,000 | $730,000 | 10.6% | 0.4% |
| S1L, Inc. | $165,000 | $730,000 | 342.4% | 0.4% |
| TIB The Independent Bankersbank | $710,000 | $730,000 | 2.8% | 0.4% |
| BOKF | $720,000 | n/a | 0.4% | |
| Loan Simple, Inc. | $95,000 | $705,000 | 642.1% | 0.4% |
| RED RIVER EMPLOYEES | $570,000 | $705,000 | 23.7% | 0.4% |
| CLEARPATH LENDING | $700,000 | n/a | 0.4% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $310,000 | $700,000 | 125.8% | 0.4% |
| AMCAP MORTGAGE, LTD. | $725,000 | $690,000 | -4.8% | 0.3% |
| ANGEL OAK HOME LOANS LLC | $690,000 | n/a | 0.3% | |
| HOME POINT FINANCIAL CORPORATION | $555,000 | $690,000 | 24.3% | 0.3% |
| USAA Federal Savings Bank | $1,345,000 | $680,000 | -49.4% | 0.3% |
| BETTER MORTGAGE CORPORATION | $690,000 | $675,000 | -2.2% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $405,000 | $645,000 | 59.3% | 0.3% |
| DRAPER AND KRAMER MORTGAGE CORP. | $630,000 | n/a | 0.3% | |
| Lamar National Bank | $620,000 | n/a | 0.3% | |
| UNITED BUILT HOMES, L.L.C. | $605,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $590,000 | n/a | 0.3% | |
| MID AMERICA MORTGAGE, INC. | $850,000 | $585,000 | -31.2% | 0.3% |
| First United Bank | $565,000 | n/a | 0.3% | |
| HOMESIDE FINANCIAL, LLC | $560,000 | n/a | 0.3% | |
| AMERICAN FINANCING CORPORATION | $545,000 | n/a | 0.3% | |
| GUARANTEED RATE, INC. | $555,000 | $525,000 | -5.4% | 0.3% |
| TRIAD FINANCIAL SERVICES, INC. | $760,000 | $495,000 | -34.9% | 0.3% |
| NATIONS RELIABLE LENDING, LLC | $525,000 | $475,000 | -9.5% | 0.2% |
| AMERICAN ADVISORS GROUP | $65,000 | $470,000 | 623.1% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $470,000 | $470,000 | 0.0% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $65,000 | $470,000 | 623.1% | 0.2% |
| CMG MORTGAGE, INC. | $765,000 | $455,000 | -40.5% | 0.2% |
| First Guaranty Mortgage Corporation | $85,000 | $455,000 | 435.3% | 0.2% |
| NEW DAY FINANCIAL, LLC | $260,000 | $435,000 | 67.3% | 0.2% |
| Flagstar Bank, FSB | $560,000 | $420,000 | -25.0% | 0.2% |
| Prosperity Bank | $65,000 | $400,000 | 515.4% | 0.2% |
| Citizens Bank | $390,000 | n/a | 0.2% | |
| RESIDENTIAL BANCORP. | $380,000 | n/a | 0.2% | |
| Bank of America | $175,000 | $375,000 | 114.3% | 0.2% |
| THRIVE MORTGAGE, LLC | $570,000 | $370,000 | -35.1% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $365,000 | n/a | 0.2% | |
| INTERLINC MORTGAGE SERVICES, LLC | $360,000 | n/a | 0.2% | |
| BAY EQUITY LLC | $355,000 | n/a | 0.2% | |
| Commerce Home Mortgage, Inc. | $335,000 | n/a | 0.2% | |
| VeraBank | $335,000 | n/a | 0.2% | |
| Network Funding, L.P. | $325,000 | n/a | 0.2% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $325,000 | $325,000 | 0.0% | 0.2% |
| LRS FINANCIAL NETWORK, INC. | $305,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $300,000 | n/a | 0.2% | |
| Ally Bank | $295,000 | n/a | 0.1% | |
| IMPAC MORTGAGE CORP. | $295,000 | n/a | 0.1% | |
| North East Texas Credit Union | $295,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $430,000 | $290,000 | -32.6% | 0.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | $720,000 | $290,000 | -59.7% | 0.1% |
| Cambria Financial Group, LLC | $285,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $275,000 | n/a | 0.1% | |
| CHERRY CREEK MORTGAGE, LLC | $275,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $275,000 | n/a | 0.1% | |
| HOMETRUST MORTGAGE COMPANY | $275,000 | n/a | 0.1% | |
| Truist Bank | $1,065,000 | $270,000 | -74.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $330,000 | $265,000 | -19.7% | 0.1% |
| Waterstone Mortgage Corporation | $265,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $255,000 | $260,000 | 2.0% | 0.1% |
| AMPLIFY | $195,000 | $255,000 | 30.8% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| Atlantic Home Loans, Inc. | $245,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $245,000 | n/a | 0.1% | |
| Goldwater Bank, N.A. | $1,035,000 | $245,000 | -76.3% | 0.1% |
| INTELLILOAN, INC. | $245,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $245,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $245,000 | n/a | 0.1% | |
| Southside Bank | $245,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $235,000 | n/a | 0.1% | |
| LOANPAL, LLC | $235,000 | n/a | 0.1% | |
| Austin Bank, Texas | $225,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $330,000 | $225,000 | -31.8% | 0.1% |
| Independent Bank | $485,000 | $225,000 | -53.6% | 0.1% |
| PILGRIM MORTGAGE LLC | $225,000 | n/a | 0.1% | |
| SOUTHWEST FUNDING, LP | $330,000 | $225,000 | -31.8% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $440,000 | $215,000 | -51.1% | 0.1% |
| First Financial Bank | $205,000 | n/a | 0.1% | |
| Texas Bank and Trust Company | $215,000 | $205,000 | -4.7% | 0.1% |
| U.S. Bank | $305,000 | $200,000 | -34.4% | 0.1% |
| J. VIRGIL, INC. | $195,000 | n/a | 0.1% | |
| SENTE MORTGAGE, INC. | $195,000 | n/a | 0.1% | |
| CROSSCOUNTRY MORTGAGE, LLC | $185,000 | n/a | 0.1% | |
| American National Bank & Trust | $175,000 | n/a | 0.1% | |
| Extraco Banks | $175,000 | n/a | 0.1% | |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $165,000 | $175,000 | 6.1% | 0.1% |
| LIBERTY HOME MORTGAGE CORPORATION | $165,000 | n/a | 0.1% | |
| Low VA Rates, LLC | $340,000 | $165,000 | -51.5% | 0.1% |
| COMPEER FINANCIAL, FLCA | $155,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $155,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $85,000 | $155,000 | 82.4% | 0.1% |
| Discover Bank | $145,000 | n/a | 0.1% | |
| FINANCE OF AMERICA MORTGAGE LLC | $145,000 | n/a | 0.1% | |
| INLAND BANK & TRUST | $145,000 | n/a | 0.1% | |
| Zions Bancorporation, N.A. | $140,000 | n/a | 0.1% | |
| Baxter Credit Union | $135,000 | n/a | 0.1% | |
| Texas Bank | $135,000 | n/a | 0.1% | |
| COUNTRYPLACE MORTGAGE, LTD. | $250,000 | $125,000 | -50.0% | 0.1% |
| GREATER TEXAS FEDERAL CREDIT UNION | $115,000 | n/a | 0.1% | |
| First Option Mortgage, LLC | $105,000 | n/a | 0.1% | |
| Frost Bank | $105,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $715,000 | $105,000 | -85.3% | 0.1% |
| Southwest Airlines Federal Credit Union | $105,000 | n/a | 0.1% | |
| UIF CORPORATION | $105,000 | n/a | 0.1% | |
| Cypress Bank, SSB | $25,000 | $100,000 | 300.0% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $400,000 | $95,000 | -76.3% | 0.0% |
| UNION HOME MORTGAGE CORP. | $95,000 | n/a | 0.0% | |
| First National Bank Texas | $145,000 | $85,000 | -41.4% | 0.0% |
| BTH Bank | $145,000 | $45,000 | -69.0% | 0.0% |
| First United Bank and Trust Company | $555,000 | $45,000 | -91.9% | 0.0% |
Sulphur Springs's top lender by overall market share is The City National Bank of Sulphur Springs, with 19.9% market share. In second place, with 12.9%, is Alliance Bank, having originated $25,395,000 in loans. In third place, with 7.0%, is QUICKEN LOANS, LLC, having originated $13,870,000 in loans. In fourth place, with 6.5%, is Dieterich Bank, having originated $12,790,000 in loans. In fifth place, with 5.6%, is Nations Lending Corporation, having originated $11,030,000 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 | 74 |
| 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 |
Sulphur Springs's median listing price comes in at 0% of the national average.
Sulphur Springs's average listing price for 2023-02-01 was $463,513, a difference of $-18,802 (-3.9%) versus the prior year and $-1,126 versus the prior month.
For the 2023-02-01 period, Sulphur Springs had 83 MLS listings, a difference of -5 listings (-6%) versus the prior month and 55 listings (196%) 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 |
Sulphur Springs's median square footage for active listings during the 2023-02-01 period was 1,801 sqft. One year prior, the average listing was 1,904 sqft.
Sulphur Springs, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 469 | $109,785,000 | $234,083 |
| Refi | 238 | $45,450,000 | $190,966 |
| Cash Out Refi | 181 | $38,225,000 | $211,188 |
| Home Improvement | 35 | $2,925,000 | $83,571 |
| Other | 8 | $1,020,000 | $127,500 |
Sulphur Springs's most frequently cited loan purpose was Home Purchase, with 469 originations. The 2nd most popular reason was Refi, with 238 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 255 | $54,525,000 | $213,824 |
| 2.5-3% | 219 | $48,095,000 | $219,612 |
| 4-5% | 114 | $22,420,000 | $196,667 |
| <2.5% | 109 | $22,685,000 | $208,119 |
| 6-7% | 24 | $2,420,000 | $100,833 |
| 5-6% | 22 | $2,630,000 | $119,545 |
| Over 8% | 17 | $2,095,000 | $123,235 |
| 7-8% | 16 | $1,570,000 | $98,125 |
During 2021, Sulphur Springs's most frequently originated rate bucket was 3-4%, with 255 originations.
Loan Sizing (Sulphur Springs, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 421 | $63,385,000 | $150,558 |
| $200k-400k | 287 | $77,145,000 | $268,798 |
| $100,000 or less | 164 | $10,750,000 | $65,549 |
| $400k-600k | 46 | $21,750,000 | $472,826 |
| $600k-1000k | 9 | $6,435,000 | $715,000 |
| $Over $1MM | 4 | $17,940,000 | $4,485,000 |
Sulphur Springs's loan sizing saw the bucket of loans from $100k-200k with 421 originations, totaling $63,385,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 322 | $70,660,000 | $219,441 |
| 60-80% | 253 | $57,355,000 | $226,700 |
| 40-60% | 112 | $17,460,000 | $155,893 |
| 20-40% | 37 | $3,725,000 | $100,676 |
| Under 20% | 23 | $905,000 | $39,348 |
| Over 100% | 13 | $2,615,000 | $201,154 |
Sulphur Springs's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 322 originations, totaling $70,660,000 in origination value.