Sulphur Springs Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Sulphur Springs averaged 7.41% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 7.42% and one month ago for the week of 2024-10-10, the average rate was 6.65%.

    Sulphur Springs's average rate one year ago was 8.13%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.98%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Sulphur Springs 30 Year Fixed Rate 2024-11-14 7.41%
    Sulphur Springs 30 Year Fixed Rate Refi 2024-11-14 6.98%
    Sulphur Springs 15 Year Fixed Rate 2024-11-14 5.99%
    Sulphur Springs 15 Year Fixed Rate Refi 2024-11-14 6.49%
    Sulphur Springs 30 Year FHA 2024-11-14 0.2%
    Sulphur Springs 30 Year FHA Refi 2024-11-14 -0.2%
    Sulphur Springs 30 Year USDA 2024-11-14 -0.1%
    Sulphur Springs 30 Year USDA Refi 2024-11-14 0%
    Sulphur Springs 30 Year VA 2024-11-14 0%
    Sulphur Springs 30 Year VA Refi 2024-11-14 0.2%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    The City National Bank of Sulphur Springs 59 7.51% $3,140
    Nations Lending Corporation 17 6.81% $7,538
    QUICKEN LOANS, LLC 15 6.98% $7,076
    EVERETT FINANCIAL, INC. 6 7.12% $7,539
    UNITED WHOLESALE MORTGAGE, LLC 6 6.73% $9,422
    Farm Credit Mid-America, ACA 4 8.16% $11,712
    Guaranty Bank & Trust, N.A. 4 6.81% $5,041
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 8.33% $7,822
    The American National Bank of Texas 3 7.63% $6,947
    USAA Federal Savings Bank 2 5.88% $10,668
    U.S. Bank 2 7.13% $6,231
    NEWREZ LLC 2 6.75% $9,612
    21ST MORTGAGE CORPORATION 2 7.97% $6,490
    GUILD MORTGAGE COMPANY 2 6.38% $7,917
    Commercial Bank of Texas 2 7.12% $4,338
    INTEGRITY MORTGAGE CORPORATION OF TEXAS 2 6.50% $12,743
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.43% $13,798
    Flagstar Bank, FSB 2 7.06% $8,354
    CARDINAL FINANCIAL 2 7.69% $7,445
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.81% $12,573
    Mr. Cooper ( Nationstar Mortgage ) 2 7.00% $8,231
    NFM, INC. 1 6.99% $6,955
    PENNYMAC LOAN SERVICES, LLC 1 5.75% $5,372
    PENTAGON FEDERAL CREDIT UNION 1 7.13% $5,313
    PHH Mortgage Corporation 1 5.88% $3,865
    RED DIAMOND HOME LOANS, LLC 1 7.38% $6,628
    RED RIVER EMPLOYEES 1 6.88% $5,344
    ROYAL UNITED MORTGAGE LLC 1 7.63% $9,283
    SFMC, LP 1 6.62% $5,826
    T2 FINANCIAL LLC 1 7.63% $9,724
    Texas Mortgage Lending, LLC 1 6.99% $4,502
    THRIVE MORTGAGE, LLC 1 7.00% $5,489
    Wells Fargo Bank 1 7.88% $6,154
    A&D Mortgage LLC 1 10.13% $17,032
    AMERITRUST MORTGAGE CORPORATION 1 9.50% $19,229
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 9.00% $7,453
    ATLANTA POSTAL 1 6.25% $16,013
    Austin Bank, Texas 1 6.50% $5,352
    Bank of Colorado 1 6.63% $12,346
    CMG MORTGAGE, INC. 1 4.75% $15,874
    Discover Bank 1 6.24% $0
    DRAPER AND KRAMER MORTGAGE CORP. 1 6.00% $7,908
    First Bank 1 7.88% $7,478
    Frost Bank 1 3.99% $0
    GUARANTEED RATE, INC. 1 6.88% $8,124
    GUARANTY HOME MORTGAGE CORPORATION 1 6.63% $11,440
    HALLMARK HOME MORTGAGE, LLC 1 7.88% $5,157
    Independent Bank 1 5.75% $3,474
    Inwood National Bank 1 6.38% $4,735
    JPMorgan Chase Bank 1 7.13% $6,924
    LOANDEPOT.COM, LLC 1 7.13% $5,578
    MID AMERICA MORTGAGE, INC. 1 7.25% $4,208
    MOBILITY Credit Union 1 7.63% $16,326

    Sulphur Springs Average Closing Costs & Other Stats

    Sulphur Springs, TX's 53 lenders originated 545 loans during 2023. The total origination value was $134,675,000, with an average loan value of $247,110.

    Sulphur Springs's average closing costs are $5,679.

    The top Sulphur Springs lender as defined by loan originations is The City National Bank of Sulphur Springs, with 59 loans originated. Their average total fees are $3,140, which is $4,398 lower than the next largest lender, Nations Lending Corporation.

    The lowest fee Sulphur Springs lenders (with over 10 loans originated) are The City National Bank of Sulphur Springs ($3,140), QUICKEN LOANS, LLC ($7,076), Nations Lending Corporation ($7,538), .

    The lowest rate Sulphur Springs lenders (with over 10 loans originated) are Nations Lending Corporation (6.81%), QUICKEN LOANS, LLC (6.98%), The City National Bank of Sulphur Springs (7.51%), .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    The City National Bank of Sulphur Springs $31,175,000 $23,390,000 -25.0% 17.4%
    Alliance Bank $16,445,000 $10,615,000 -35.5% 7.9%
    Nations Lending Corporation $8,045,000 $8,855,000 10.1% 6.6%
    Guaranty Bank & Trust, N.A. $9,305,000 $8,130,000 -12.6% 6.0%
    City Bank $7,780,000 n/a 5.8%
    QUICKEN LOANS, LLC $6,150,000 $5,455,000 -11.3% 4.1%
    UNITED WHOLESALE MORTGAGE, LLC $1,710,000 $3,450,000 101.8% 2.6%
    First National Bank of East Texas $2,265,000 $3,410,000 50.6% 2.5%
    BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $3,275,000 n/a 2.4%
    EVERETT FINANCIAL, INC. $5,700,000 $3,205,000 -43.8% 2.4%
    TRIAD FINANCIAL SERVICES, INC. $3,310,000 $2,275,000 -31.3% 1.7%
    GUILD MORTGAGE COMPANY $1,720,000 $2,175,000 26.5% 1.6%
    USAA Federal Savings Bank $580,000 $1,975,000 240.5% 1.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,725,000 $1,875,000 8.7% 1.4%
    Mortgage Research Center, LLC $2,450,000 $1,860,000 -24.1% 1.4%
    Farm Credit Mid-America, ACA $870,000 $1,780,000 104.6% 1.3%
    21ST MORTGAGE CORPORATION $3,355,000 $1,625,000 -51.6% 1.2%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $255,000 $1,515,000 494.1% 1.1%
    The American National Bank of Texas $720,000 $1,505,000 109.0% 1.1%
    CMG MORTGAGE, INC. $1,260,000 n/a 0.9%
    CARDINAL FINANCIAL $1,870,000 $1,245,000 -33.4% 0.9%
    INTEGRITY MORTGAGE CORPORATION OF TEXAS $295,000 $995,000 237.3% 0.7%
    GUARANTEED RATE, INC. $740,000 $920,000 24.3% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $1,395,000 $810,000 -41.9% 0.6%
    UNITED BUILT HOMES, L.L.C. $790,000 n/a 0.6%
    Commercial Bank of Texas $115,000 $770,000 569.6% 0.6%
    SOUTHWEST STAGE FUNDING, LLC $1,330,000 $765,000 -42.5% 0.6%
    THRIVE MORTGAGE, LLC $1,275,000 $755,000 -40.8% 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,200,000 $750,000 -76.6% 0.6%
    Texas Heritage National Bank $730,000 n/a 0.5%
    Bank of Colorado $725,000 n/a 0.5%
    PENTAGON FEDERAL CREDIT UNION $265,000 $715,000 169.8% 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $225,000 $710,000 215.6% 0.5%
    BNY Mellon $685,000 n/a 0.5%
    Network Funding, L.P. $345,000 $680,000 97.1% 0.5%
    Credit Union of Texas $265,000 $665,000 150.9% 0.5%
    Discover Bank $655,000 n/a 0.5%
    Strong Home Mortgage, LLC $205,000 $655,000 219.5% 0.5%
    T2 FINANCIAL LLC $630,000 n/a 0.5%
    NEWREZ LLC $380,000 $620,000 63.2% 0.5%
    DRAPER AND KRAMER MORTGAGE CORP. $455,000 $605,000 33.0% 0.4%
    LOANDEPOT.COM, LLC $1,840,000 $580,000 -68.5% 0.4%
    MOBILITY Credit Union $535,000 n/a 0.4%
    HALLMARK HOME MORTGAGE, LLC $530,000 n/a 0.4%
    U.S. Bank $1,280,000 $520,000 -59.4% 0.4%
    Austin Bank, Texas $385,000 $510,000 32.5% 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $505,000 n/a 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $565,000 $500,000 -11.5% 0.4%
    LEADERONE FINANCIAL CORPORATION $485,000 n/a 0.4%
    SUCCESS MORTGAGE PARTNERS, INC. $485,000 n/a 0.4%
    OPEN MORTGAGE, LLC $255,000 $465,000 82.4% 0.3%
    Origin Bank $465,000 n/a 0.3%
    Valliance Bank $445,000 n/a 0.3%
    Barrington Bank & Trust Company, N.A. $440,000 n/a 0.3%
    NAVY FEDERAL CREDIT UNION $785,000 $430,000 -45.2% 0.3%
    Pilgrim Bank $710,000 $430,000 -39.4% 0.3%
    PNC Bank $430,000 n/a 0.3%
    Gilmer National Bank Gilmer Texas $425,000 n/a 0.3%
    FREEDOM MORTGAGE CORPORATION $385,000 $415,000 7.8% 0.3%
    Texas Regional Bank $405,000 n/a 0.3%
    Flagstar Bank, FSB $505,000 $400,000 -20.8% 0.3%
    PREMIA MORTGAGE, LLC $395,000 n/a 0.3%
    AMCAP MORTGAGE, LTD. $1,055,000 $385,000 -63.5% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $385,000 n/a 0.3%
    RED RIVER EMPLOYEES $1,665,000 $380,000 -77.2% 0.3%
    ATLANTA POSTAL $365,000 n/a 0.3%
    AMERITRUST MORTGAGE CORPORATION $355,000 n/a 0.3%
    MOUNTAIN WEST FINANCIAL, INC. $355,000 n/a 0.3%
    Wells Fargo Bank $630,000 $355,000 -43.7% 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $165,000 $345,000 109.1% 0.3%
    SECURITYNATIONAL MORTGAGE COMPANY $175,000 $330,000 88.6% 0.2%
    Town Square Mortgage & Investments, Inc. $920,000 $325,000 -64.7% 0.2%
    AMERICAN PACIFIC MORTGAGE CORPORATION $165,000 $315,000 90.9% 0.2%
    Frost Bank $340,000 $315,000 -7.4% 0.2%
    Inwood National Bank $115,000 $315,000 173.9% 0.2%
    Truist $110,000 $310,000 181.8% 0.2%
    A&D Mortgage LLC $305,000 n/a 0.2%
    KELLY COMMUNITY FEDERAL CREDIT UNION $305,000 n/a 0.2%
    RF Renovo Management Company, LLC $1,435,000 $290,000 -79.8% 0.2%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $285,000 n/a 0.2%
    Waterstone Mortgage Corporation $275,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $490,000 $260,000 -46.9% 0.2%
    NFM, INC. $255,000 n/a 0.2%
    First Bank $770,000 $245,000 -68.2% 0.2%
    First Financial Bank $245,000 n/a 0.2%
    WILLOW BEND MORTGAGE COMPANY, LLC $245,000 n/a 0.2%
    CALCON MUTUAL MORTGAGE LLC $230,000 n/a 0.2%
    Independent Bank $225,000 n/a 0.2%
    Bank of America $210,000 n/a 0.2%
    RED DIAMOND HOME LOANS, LLC $225,000 $205,000 -8.9% 0.2%
    Texas Mortgage Lending, LLC $205,000 n/a 0.2%
    LENDINGHOME FUNDING CORPORATION $115,000 $200,000 73.9% 0.1%
    AMERISAVE MORTGAGE CORPORATION $300,000 $195,000 -35.0% 0.1%
    HomeBank Texas $195,000 n/a 0.1%
    COUNTRYPLACE MORTGAGE, LTD. $190,000 n/a 0.1%
    JPMorgan Chase Bank $950,000 $190,000 -80.0% 0.1%
    PENNYMAC LOAN SERVICES, LLC $820,000 $175,000 -78.7% 0.1%
    SFMC, LP $1,635,000 $175,000 -89.3% 0.1%
    BROKER SOLUTIONS, INC. $855,000 $155,000 -81.9% 0.1%
    Paramount Residential Mortgage Group, Inc. $595,000 $155,000 -73.9% 0.1%
    VILLAGE CAPITAL MORTGAGE $155,000 n/a 0.1%
    GREATER TEXAS FEDERAL CREDIT UNION $145,000 n/a 0.1%
    GUARANTY HOME MORTGAGE CORPORATION $135,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $1,290,000 $135,000 -89.5% 0.1%
    PHH Mortgage Corporation $225,000 $105,000 -53.3% 0.1%
    FINANCE OF AMERICA REVERSE LLC $95,000 n/a 0.1%
    United Community Bank $95,000 n/a 0.1%
    Baxter Credit Union $85,000 n/a 0.1%
    Citizens State Bank $85,000 n/a 0.1%
    CommunityBank of Texas, N.A. $75,000 n/a 0.1%
    TEXAR $75,000 n/a 0.1%
    THE MORTGAGE LINK, INC. $75,000 n/a 0.1%
    Southside Bank $55,000 n/a 0.0%
    DELTA COMMUNITY CREDIT UNION $45,000 n/a 0.0%
    BARKSDALE $35,000 n/a 0.0%
    RANDOLPH-BROOKS $1,275,000 $35,000 -97.3% 0.0%

    Sulphur Springs's top lender by overall market share is The City National Bank of Sulphur Springs, with 17.4% market share. In second place, with 7.9%, is Alliance Bank, having originated $10,615,000 in loans. In third place, with 6.6%, is Nations Lending Corporation, having originated $8,855,000 in loans. In fourth place, with 6.0%, is Guaranty Bank & Trust, N.A., having originated $8,130,000 in loans. In fifth place, with 5.8%, is City Bank, having originated $7,780,000 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 (19.6%) 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 $219,975 (29.4%) $386,347 (51.9%) 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 $182,927 (6.1%) $271,317 (3.1%) 0.00 70
    2019-09-01 $182,968 (0.3%) $271,519 (-0.5%) 0.00 70
    2019-10-01 $186,250 (3.5%) $274,119 (1.9%) 0.00 68
    2019-11-01 $194,700 (2.8%) $295,915 (-5.5%) 0.00 69
    2019-12-01 $191,498 (6.5%) $300,637 (-0.1%) 0.00 66
    2020-01-01 $218,450 (23.1%) $310,850 (10.2%) 0.00 62
    2020-02-01 $176,450 (-9.2%) $279,510 (-6.4%) 0.00 59
    2020-03-01 $167,175 (-15.2%) $278,391 (-13.0%) 0.00 70
    2020-04-01 $192,425 (-8.1%) $302,070 (-12.2%) 0.00 65
    2020-05-01 $209,700 (-4.7%) $300,403 (-22.3%) 0.00 60
    2020-06-01 $188,250 (-14.0%) $289,364 (-11.3%) 0.00 61
    2020-07-01 $190,725 (9.0%) $292,777 (8.3%) 0.00 52
    2020-08-01 $229,000 (25.2%) $315,474 (16.3%) 0.00 47
    2020-09-01 $234,200 (28.0%) $324,065 (19.4%) 0.00 49
    2020-10-01 $256,950 (38.0%) $353,558 (29.0%) 0.00 53
    2020-11-01 $237,175 (21.8%) $349,808 (18.2%) 0.00 45
    2020-12-01 $204,956 (7.0%) $356,022 (18.4%) 0.00 42
    2021-01-01 $196,450 (-10.1%) $355,654 (14.4%) 0.00 40
    2021-02-01 $219,500 (24.4%) $412,614 (47.6%) 0.00 29
    2021-03-01 $219,000 (31.0%) $383,968 (37.9%) 0.00 30
    2021-04-01 $216,950 (12.8%) $391,808 (29.7%) 0.00 29
    2021-05-01 $255,000 (21.6%) $494,191 (64.5%) 0.00 23
    2021-06-01 $264,950 (40.7%) $498,740 (72.4%) 0.00 32
    2021-07-01 $254,500 (33.4%) $440,527 (50.5%) 0.00 39
    2021-08-01 $227,500 (-0.7%) $382,614 (21.3%) 0.00 45
    2021-09-01 $238,675 (1.9%) $422,928 (30.5%) 0.00 42
    2021-10-01 $219,000 (-14.8%) $401,055 (13.4%) 0.00 48
    2021-11-01 $261,850 (10.4%) $398,097 (13.8%) 0.00 43
    2021-12-01 $294,250 (43.6%) $426,740 (19.9%) 0.00 26
    2022-01-01 $247,445 (26.0%) $433,068 (21.8%) 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 35
    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 $332,000 (45.9%) $461,981 (20.7%) 0.00 80
    2022-09-01 $327,000 (37.0%) $445,214 (5.3%) 0.00 80
    2022-10-01 $325,000 (48.4%) $457,614 (14.1%) 0.00 84
    2022-11-01 $299,000 (14.2%) $436,047 (9.5%) 0.00 100
    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 (-11.4%) $398,354 (-13.8%) 0.00 115
    2023-09-01 $325,000 (-0.6%) $423,372 (-4.9%) 0.00 108
    2023-10-01 $313,416 (-3.6%) $413,890 (-9.6%) 0.00 103
    2023-11-01 $300,944 (0.7%) $403,602 (-7.4%) 0.00 110
    2023-12-01 $330,000 (10.4%) $419,865 (-6.7%) 0.00 102
    2024-01-01 $349,000 (12.7%) $415,062 (-10.7%) 0.00 108
    2024-02-01 $358,725 (14.4%) $431,633 (-6.9%) 0.00 123
    2024-03-01 $365,000 (21.2%) $437,386 (-0.3%) 0.00 121
    2024-04-01 $365,000 (33.8%) $429,950 (11.9%) 0.00 120
    2024-05-01 $363,750 (30.0%) $442,418 (23.1%) 0.00 123
    2024-06-01 $320,000 (15.3%) $430,717 (10.1%) 0.00 126
    2024-07-01 $312,950 (9.0%) $416,882 (8.9%) 0.00 128
    2024-08-01 $315,000 (7.0%) $407,030 (2.2%) 0.00 142
    2024-09-01 $316,766 (-2.5%) $404,755 (-4.4%) 0.00 156
    2024-10-01 $328,000 (4.7%) $406,197 (-1.9%) 0.00 153
    Sulphur Springs's median listing price for 2024-10-01 was $328,000, a difference of $14,584 (4.7%) versus the prior year and $11,234 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 2024-10-01 was $406,197, a difference of $-7,693 (-1.9%) versus the prior year and $1,442 versus the prior month.

    For the 2024-10-01 period, Sulphur Springs had 153 MLS listings, a difference of -3 listings (-2%) versus the prior month and 50 listings (49%) 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 1,917 sqft
    2018-11-01 0 days 1,967 sqft
    2018-12-01 0 days 1,919 sqft
    2019-01-01 0 days 1,923 sqft
    2019-02-01 0 days 1,919 sqft
    2019-03-01 0 days 1,906 sqft
    2019-04-01 0 days 1,951 sqft
    2019-05-01 0 days 1,925 sqft
    2019-06-01 0 days 1,834 sqft
    2019-07-01 0 days 1,783 sqft
    2019-08-01 0 days 1,803 sqft
    2019-09-01 0 days 1,823 sqft
    2019-10-01 0 days 1,874 sqft
    2019-11-01 0 days 1,933 sqft
    2019-12-01 0 days 1,953 sqft
    2020-01-01 0 days 1,955 sqft
    2020-02-01 0 days 1,813 sqft
    2020-03-01 0 days 1,799 sqft
    2020-04-01 0 days 1,940 sqft
    2020-05-01 0 days 2,012 sqft
    2020-06-01 0 days 1,850 sqft
    2020-07-01 0 days 1,936 sqft
    2020-08-01 0 days 1,904 sqft
    2020-09-01 0 days 1,943 sqft
    2020-10-01 0 days 1,997 sqft
    2020-11-01 0 days 1,959 sqft
    2020-12-01 0 days 1,897 sqft
    2021-01-01 0 days 1,799 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 1,913 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 1,784 sqft
    2022-05-01 0 days 1,975 sqft
    2022-06-01 0 days 1,950 sqft
    2022-07-01 0 days 1,947 sqft
    2022-08-01 0 days 1,905 sqft
    2022-09-01 0 days 1,871 sqft
    2022-10-01 0 days 1,840 sqft
    2022-11-01 0 days 1,748 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
    2023-12-01 0 days 1,997 sqft
    2024-01-01 0 days 2,037 sqft
    2024-02-01 0 days 2,009 sqft
    2024-03-01 0 days 1,986 sqft
    2024-04-01 0 days 1,942 sqft
    2024-05-01 0 days 1,941 sqft
    2024-06-01 0 days 1,873 sqft
    2024-07-01 0 days 1,877 sqft
    2024-08-01 0 days 1,879 sqft
    2024-09-01 0 days 1,865 sqft
    2024-10-01 0 days 1,882 sqft
    Sulphur Springs's median listing age (time on market) for 2024-10-01 was 0 days.

    Sulphur Springs's median square footage for active listings during the 2024-10-01 period was 1,882 sqft. One year prior, the average listing was 1,863 sqft.

    Sulphur Springs, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 407 $107,675,000 $264,558
    Cash Out Refi 59 $12,515,000 $212,119
    Home Improvement 32 $3,600,000 $112,500
    Other 24 $2,960,000 $123,333
    Refi 22 $4,650,000 $211,364
    NA 1 $3,275,000 $3,275,000

    Sulphur Springs's most frequently cited loan purpose was Home Purchase, with 407 originations. The 2nd most popular reason was Cash Out Refi, with 59 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    7-8% 161 $46,995,000 $291,894
    6-7% 140 $37,410,000 $267,214
    Over 8% 123 $20,095,000 $163,374
    5-6% 36 $9,230,000 $256,389
    <2.5% 6 $140,000 $23,333
    4-5% 3 $835,000 $278,333
    3-4% 2 $280,000 $140,000

    During 2023, Sulphur Springs's most frequently originated rate bucket was 7-8%, with 161 originations.

    Loan Sizing (Sulphur Springs, TX MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 213 $58,195,000 $273,216
    $100k-200k 176 $26,370,000 $149,830
    $100,000 or less 99 $6,335,000 $63,990
    $400k-600k 38 $18,130,000 $477,105
    $600k-1000k 14 $9,780,000 $698,571
    $Over $1MM 5 $15,865,000 $3,173,000

    Sulphur Springs's loan sizing saw the bucket of loans from $200k-400k with 213 originations, totaling $58,195,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 208 $51,770,000 $248,894
    60-80% 121 $33,595,000 $277,645
    40-60% 60 $19,360,000 $322,667
    20-40% 38 $4,610,000 $121,316
    Under 20% 27 $1,465,000 $54,259
    Over 100% 15 $3,615,000 $241,000

    Sulphur Springs's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 208 originations, totaling $51,770,000 in origination value.