Sulphur Springs Mortgage Rates & Closing Costs

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    • 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.