Sulphur Springs Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sulphur Springs averaged
6.93%
for the week of 2025-05-08, compared to the national average of
6.76% for the same period.
The average rate for the prior week (2025-05-01) was
7.03% and
one month ago for the week of 2025-04-03, the
average rate was 6.81%.
Sulphur Springs's average rate one year ago was 7.59%.
For refis of the same type during the week of 2025-05-08, the average rate
was 7.26%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-08 | 6.76% |
| Sulphur Springs 30 Year Fixed Rate | 2025-05-08 | 6.93% |
| Sulphur Springs 30 Year Fixed Rate Refi | 2025-05-08 | 7.26% |
| Sulphur Springs 15 Year Fixed Rate | 2025-05-08 | 5.89% |
| Sulphur Springs 15 Year Fixed Rate Refi | 2025-05-08 | 6.49% |
| Sulphur Springs 30 Year FHA | 2025-05-08 | 6.81% |
| Sulphur Springs 30 Year FHA Refi | 2025-05-08 | 6.38% |
| Sulphur Springs 30 Year USDA | 2025-05-08 | 6.27% |
| Sulphur Springs 30 Year USDA Refi | 2025-05-08 | 6.27% |
| Sulphur Springs 30 Year VA | 2025-05-08 | 6.47% |
| Sulphur Springs 30 Year VA Refi | 2025-05-08 | 6.17% |
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 47 lenders originated 510
loans during 2024. The total origination value was $133,900,000, with an average loan value of
$262,549.
Sulphur Springs's average closing costs are $5,950.
The top Sulphur Springs lender as defined by loan originations is The City National Bank of Sulphur Springs, with
43 loans originated. Their average total fees are
$3,791, which is $3,632
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 ($3,791), QUICKEN LOANS, LLC ($7,424), .
The lowest rate Sulphur Springs lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.83%), The City National Bank of Sulphur Springs (7.25%), .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| The City National Bank of Sulphur Springs | $23,390,000 | $15,335,000 | -34.4% | 11.5% |
| Alliance Bank | $10,615,000 | $13,480,000 | 27.0% | 10.1% |
| CBRE MULTIFAMILY CAPITAL, INC. | $12,805,000 | n/a | 9.6% | |
| Nations Lending Corporation | $8,855,000 | $7,845,000 | -11.4% | 5.9% |
| QUICKEN LOANS, LLC | $5,455,000 | $6,320,000 | 15.9% | 4.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $3,450,000 | $5,420,000 | 57.1% | 4.0% |
| Guaranty Bank & Trust, N.A. | $8,130,000 | $3,780,000 | -53.5% | 2.8% |
| 21ST MORTGAGE CORPORATION | $1,625,000 | $3,550,000 | 118.5% | 2.7% |
| The American National Bank of Texas | $1,505,000 | $3,385,000 | 124.9% | 2.5% |
| First National Bank of East Texas | $3,410,000 | $3,280,000 | -3.8% | 2.4% |
| NEWREZ LLC | $620,000 | $3,260,000 | 425.8% | 2.4% |
| Mortgage Research Center, LLC | $1,860,000 | $2,985,000 | 60.5% | 2.2% |
| PENNYMAC LOAN SERVICES, LLC | $175,000 | $2,740,000 | 1,465.7% | 2.0% |
| GUILD MORTGAGE COMPANY | $2,175,000 | $2,455,000 | 12.9% | 1.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,515,000 | $2,360,000 | 55.8% | 1.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $500,000 | $2,025,000 | 305.0% | 1.5% |
| Texas Heritage National Bank | $730,000 | $1,815,000 | 148.6% | 1.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,875,000 | $1,690,000 | -9.9% | 1.3% |
| GUARANTEED RATE, INC. | $920,000 | $1,295,000 | 40.8% | 1.0% |
| BROKER SOLUTIONS, INC. | $155,000 | $1,030,000 | 564.5% | 0.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $710,000 | $1,020,000 | 43.7% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $995,000 | n/a | 0.7% | |
| CARDINAL FINANCIAL | $1,245,000 | $960,000 | -22.9% | 0.7% |
| TRIAD FINANCIAL SERVICES, INC. | $2,275,000 | $960,000 | -57.8% | 0.7% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $930,000 | n/a | 0.7% | |
| RED RIVER EMPLOYEES | $380,000 | $870,000 | 128.9% | 0.6% |
| SFMC, LP | $175,000 | $840,000 | 380.0% | 0.6% |
| SUMMIT FUNDING, INC. | $840,000 | n/a | 0.6% | |
| ZILLOW HOME LOANS, LLC | $785,000 | n/a | 0.6% | |
| Paramount Residential Mortgage Group, Inc. | $155,000 | $775,000 | 400.0% | 0.6% |
| First United Bank and Trust Company | $760,000 | n/a | 0.6% | |
| Gateway First Bank | $740,000 | n/a | 0.6% | |
| Farm Credit Mid-America, ACA | $1,780,000 | $735,000 | -58.7% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $750,000 | $705,000 | -6.0% | 0.5% |
| SOUTHWEST STAGE FUNDING, LLC | $765,000 | $690,000 | -9.8% | 0.5% |
| RF Renovo Management Company, LLC | $290,000 | $680,000 | 134.5% | 0.5% |
| PLANET HOME LENDING, LLC | $665,000 | n/a | 0.5% | |
| VILLAGE CAPITAL MORTGAGE | $155,000 | $660,000 | 325.8% | 0.5% |
| FirstBank | $645,000 | n/a | 0.5% | |
| LOANDEPOT.COM, LLC | $580,000 | $610,000 | 5.2% | 0.5% |
| UNION HOME MORTGAGE CORP. | $605,000 | n/a | 0.5% | |
| WILLOW BEND MORTGAGE COMPANY, LLC | $245,000 | $600,000 | 144.9% | 0.4% |
| Commercial Bank of Texas | $770,000 | $590,000 | -23.4% | 0.4% |
| U.S. Bank | $520,000 | $580,000 | 11.5% | 0.4% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $565,000 | n/a | 0.4% | |
| The Loan Store, Inc. | $565,000 | n/a | 0.4% | |
| Midwest Mortgage Associates Corporation | $540,000 | n/a | 0.4% | |
| USAA Federal Savings Bank | $1,975,000 | $540,000 | -72.7% | 0.4% |
| S1L, Inc. | $530,000 | n/a | 0.4% | |
| LONE STAR | $515,000 | n/a | 0.4% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $490,000 | n/a | 0.4% | |
| Independent Bank | $225,000 | $480,000 | 113.3% | 0.4% |
| Frost Bank | $315,000 | $470,000 | 49.2% | 0.4% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $995,000 | $435,000 | -56.3% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $385,000 | $435,000 | 13.0% | 0.3% |
| EVERETT FINANCIAL, INC. | $3,205,000 | $430,000 | -86.6% | 0.3% |
| NATIONS RELIABLE LENDING, LLC | $400,000 | n/a | 0.3% | |
| MEMBER FIRST MORTGAGE, LLC | $375,000 | n/a | 0.3% | |
| Prosperity Home Mortgage, LLC | $375,000 | n/a | 0.3% | |
| VELOCIO MORTGAGE L.L.C. | $355,000 | n/a | 0.3% | |
| Wells Fargo Bank | $355,000 | $355,000 | 0.0% | 0.3% |
| CMG MORTGAGE, INC. | $1,260,000 | $340,000 | -73.0% | 0.3% |
| Arvest Bank | $335,000 | n/a | 0.3% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $345,000 | $335,000 | -2.9% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $200,000 | $330,000 | 65.0% | 0.2% |
| Extraco Banks | $325,000 | n/a | 0.2% | |
| JPMorgan Chase Bank | $190,000 | $310,000 | 63.2% | 0.2% |
| Sunflower Bank | $305,000 | n/a | 0.2% | |
| AMWEST FUNDING CORP. | $295,000 | n/a | 0.2% | |
| Prosperity Bank | $295,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $285,000 | n/a | 0.2% | |
| FREEDOM MORTGAGE CORPORATION | $415,000 | $285,000 | -31.3% | 0.2% |
| AmeriHome Mortgage Company, LLC | $275,000 | n/a | 0.2% | |
| UNITED BUILT HOMES, L.L.C. | $790,000 | $275,000 | -65.2% | 0.2% |
| Bank of America | $210,000 | $270,000 | 28.6% | 0.2% |
| TOWNE MORTGAGE COMPANY | $255,000 | n/a | 0.2% | |
| Barrington Bank & Trust Company, N.A. | $440,000 | $235,000 | -46.6% | 0.2% |
| First National Bank of Winnsboro | $235,000 | n/a | 0.2% | |
| RANDOLPH-BROOKS | $35,000 | $235,000 | 571.4% | 0.2% |
| Texas Mortgage Lending, LLC | $205,000 | $225,000 | 9.8% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $215,000 | n/a | 0.2% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $205,000 | n/a | 0.2% | |
| INTERLINC MORTGAGE SERVICES, LLC | $190,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $260,000 | $190,000 | -26.9% | 0.1% |
| BancorpSouth | $185,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $185,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $180,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $400,000 | $180,000 | -55.0% | 0.1% |
| Veritex Community Bank | $180,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $810,000 | $175,000 | -78.4% | 0.1% |
| Lakeview Community Capital, LLC | $155,000 | n/a | 0.1% | |
| Truist | $310,000 | $150,000 | -51.6% | 0.1% |
| Credit Union of Texas | $665,000 | $140,000 | -78.9% | 0.1% |
| Lamar National Bank | $135,000 | n/a | 0.1% | |
| The First National Bank of Granbury | $75,000 | n/a | 0.1% | |
| VeraBank | $75,000 | n/a | 0.1% | |
| CITY | $45,000 | n/a | 0.0% | |
| Pilgrim Bank | $430,000 | $45,000 | -89.5% | 0.0% |
| Zions Bank | $35,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $505,000 | $5,000 | -99.0% | 0.0% |
Sulphur Springs's top lender by overall market share is The City National Bank of Sulphur Springs, with 11.5% market share. In second place, with 10.1%, is Alliance Bank, having originated $13,480,000 in loans. In third place, with 9.6%, is CBRE MULTIFAMILY CAPITAL, INC., having originated $12,805,000 in loans. In fourth place, with 5.9%, is Nations Lending Corporation, having originated $7,845,000 in loans. In fifth place, with 4.7%, is QUICKEN LOANS, LLC, having originated $6,320,000 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 | $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 (-21.9%) | 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%) | $422,951 (30.5%) | 0.00 | 41 |
| 2021-10-01 | $219,000 (-14.8%) | $400,900 (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 | 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 | $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 (14.2%) | 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%) | $438,855 (22.1%) | 0.00 | 123 |
| 2024-06-01 | $320,000 (15.3%) | $420,282 (7.4%) | 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 |
| 2024-11-01 | $315,000 (4.7%) | $394,913 (-2.2%) | 0.00 | 156 |
| 2024-12-01 | $299,188 (-9.3%) | $389,172 (-7.3%) | 0.00 | 160 |
| 2025-01-01 | $285,000 (-18.3%) | $380,117 (-8.4%) | 0.00 | 152 |
| 2025-02-01 | $290,500 (-19.0%) | $384,719 (-10.9%) | 0.00 | 154 |
| 2025-03-01 | $299,450 (-18.0%) | $400,190 (-8.5%) | 0.00 | 147 |
| 2025-04-01 | $320,000 (-12.3%) | $432,384 (0.6%) | 0.00 | 126 |
Sulphur Springs's median listing price comes in at 0% of the national average.
Sulphur Springs's average listing price for 2025-04-01 was $432,384, a difference of $2,434 (0.6%) versus the prior year and $32,194 versus the prior month.
For the 2025-04-01 period, Sulphur Springs had 126 MLS listings, a difference of -21 listings (-14%) versus the prior month and 6 listings (5%) 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 | 1,928 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 | 1,924 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 | 1,905 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 | 1,886 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 |
| 2024-11-01 | 0 days | 1,868 sqft |
| 2024-12-01 | 0 days | 1,795 sqft |
| 2025-01-01 | 0 days | 1,795 sqft |
| 2025-02-01 | 0 days | 1,790 sqft |
| 2025-03-01 | 0 days | 1,819 sqft |
| 2025-04-01 | 0 days | 1,907 sqft |
Sulphur Springs's median square footage for active listings during the 2025-04-01 period was 1,907 sqft. One year prior, the average listing was 1,942 sqft.
Sulphur Springs, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 354 | $89,100,000 | $251,695 |
| Cash Out Refi | 62 | $14,020,000 | $226,129 |
| Refi | 44 | $24,660,000 | $560,455 |
| Home Improvement | 29 | $3,015,000 | $103,966 |
| Other | 21 | $3,105,000 | $147,857 |
Sulphur Springs's most frequently cited loan purpose was Home Purchase, with 354 originations. The 2nd most popular reason was Cash Out Refi, with 62 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 153 | $54,225,000 | $354,412 |
| 7-8% | 125 | $32,045,000 | $256,360 |
| Over 8% | 99 | $13,895,000 | $140,354 |
| 5-6% | 45 | $12,585,000 | $279,667 |
| 4-5% | 4 | $1,200,000 | $300,000 |
| <2.5% | 3 | $15,000 | $5,000 |
During 2024, Sulphur Springs's most frequently originated rate bucket was 6-7%, with 153 originations.
Loan Sizing (Sulphur Springs, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 190 | $53,430,000 | $281,211 |
| $100k-200k | 179 | $27,045,000 | $151,089 |
| $100,000 or less | 79 | $5,375,000 | $68,038 |
| $400k-600k | 42 | $20,530,000 | $488,810 |
| $600k-1000k | 17 | $11,955,000 | $703,235 |
| $Over $1MM | 3 | $15,565,000 | $5,188,333 |
Sulphur Springs's loan sizing saw the bucket of loans from $200k-400k with 190 originations, totaling $53,430,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 221 | $57,105,000 | $258,394 |
| 60-80% | 92 | $34,820,000 | $378,478 |
| 40-60% | 41 | $8,515,000 | $207,683 |
| 20-40% | 35 | $4,135,000 | $118,143 |
| Under 20% | 20 | $1,370,000 | $68,500 |
| Over 100% | 12 | $5,400,000 | $450,000 |
Sulphur Springs's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 221 originations, totaling $57,105,000 in origination value.