TEXARKANA Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Texarkana averaged 5.58% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.35% and one month ago for the week of 2022-04-07, the average rate was 5%.

Texarkana's average rate one year ago was 3.39%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.32%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Texarkana 30 Year Fixed Rate 2022-05-12 5.58%
Texarkana 30 Year Fixed Rate Refi 2022-05-12 5.32%
Texarkana 15 Year Fixed Rate 2022-05-12 5.69%
Texarkana 15 Year Fixed Rate Refi 2022-05-12 4.77%
Texarkana 30 Year FHA 2022-05-12 5.54%
Texarkana 30 Year FHA Refi 2022-05-12 5.68%
Texarkana 30 Year USDA 2022-05-12 5.42%
Texarkana 30 Year USDA Refi 2022-05-12 4.76%
Texarkana 30 Year VA 2022-05-12 5.62%
Texarkana 30 Year VA Refi 2022-05-12 5.04%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within TEXARKANA, TX-AR.

TEXARKANA Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the TEXARKANA, TX-AR 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 96 3.15% $4,499
MORTGAGE FINANCIAL SERVICES, LLC 92 3.07% $4,009
State Bank of De Kalb 78 2.91% $3,862
Farmers Bank & Trust Company 70 2.98% $3,815
GUILD MORTGAGE COMPANY 38 3.11% $4,047
BancorpSouth Bank 30 3.41% $3,177
SWBC MORTGAGE CORPORATION 29 3.12% $3,867
Citizens Bank 23 2.97% $3,039
Regions Bank 22 3.38% $3,355
Guaranty Bank & Trust, N.A. 22 3.28% $4,132
Wells Fargo Bank 22 2.98% $3,250
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 18 3.23% $3,783
CALIBER HOME LOANS, INC. 16 3.23% $3,254
LOANDEPOT.COM, LLC 14 3.12% $6,054
Texana Bank 12 3.41% $5,015
CORNERSTONE HOME LENDING, INC. 12 2.96% $3,734
ACADEMY MORTGAGE CORPORATION 12 3.24% $4,790
RED RIVER EMPLOYEES 11 4.09% $2,666
Gateway First Bank 11 3.06% $3,966
Waterstone Mortgage Corporation 10 3.21% $4,564
AMERISAVE MORTGAGE CORPORATION 10 2.93% $5,357
Bank of England 8 3.34% $4,549
HOME POINT FINANCIAL CORPORATION 7 3.07% $2,673
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 7 3.07% $4,140
AMERICAN FINANCING CORPORATION 6 3.17% $4,537
EVERETT FINANCIAL, INC. 6 3.87% $2,603
Farm Credit Services of Western Arkansas, ACA 6 4.18% $5,610
Arvest Bank 6 3.17% $3,089
Mr. Cooper ( Nationstar Mortgage ) 6 3.54% $8,896
ROYAL UNITED MORTGAGE LLC 5 3.25% $6,023
FirstTrust Home Loans, Inc. 5 2.90% $4,255
UNION HOME MORTGAGE CORP. 5 3.03% $4,103
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 3.28% $4,081
UNITED WHOLESALE MORTGAGE, LLC 5 3.45% $6,095
JPMorgan Chase Bank 5 3.15% $2,291
LEADERONE FINANCIAL CORPORATION 4 3.31% $4,752
NAVY FEDERAL CREDIT UNION 4 3.69% $4,815
PENNYMAC LOAN SERVICES, LLC 4 3.25% $4,201
The City National Bank of Sulphur Springs 4 4.22% $3,708
FREEDOM MORTGAGE CORPORATION 4 3.53% $4,215
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.13% $5,018
Ally Bank 3 3.29% $3,427
BETTER MORTGAGE CORPORATION 3 2.88% $7,164
AMCAP MORTGAGE, LTD. 3 3.45% $6,940
Flagstar Bank, FSB 3 3.24% $8,192
NEWREZ LLC 3 3.17% $3,015
CHURCHILL MORTGAGE CORPORATION 3 3.33% $4,496
CROSSCOUNTRY MORTGAGE, LLC 3 3.71% $5,388
BROKER SOLUTIONS, INC. 3 3.21% $4,757
Hamilton Mortgage Corporation 2 2.94% $2,153
MID AMERICA MORTGAGE, INC. 2 3.63% $10,174
HOMESIDE FINANCIAL, LLC 2 3.50% $5,605
CELEBRITY HOME LOANS, LLC 2 3.25% $4,094
Amarillo National Bank 2 3.75% $3,134
First Financial Bank 2 2.81% $3,232
Bank of America 2 2.88% $4,852
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.19% $10,793
PENTAGON FEDERAL CREDIT UNION 2 2.81% $3,949
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.63% $1,804
GREAT WESTERN FINANCIAL SERVICES, INC. 2 2.88% $3,554
Carrington Mortgage Services, LLC 2 3.38% $3,521
MUTUAL OF OMAHA MORTGAGE, INC. 2 2.94% $5,073
Mortgage Research Center, LLC 2 3.19% $5,082
ZILLOW HOME LOANS, LLC 1 3.75% $2,885
ACOPIA, LLC 1 4.13% $4,215
AMERICAN FINANCIAL NETWORK, INC. 1 3.00% $8,702
AMERICAN INTERNET MORTGAGE, INC. 1 3.00% $3,889
AmeriHome Mortgage Company, LLC 1 3.25% $2,275
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 6.50% $5,907
ASPIRE FINANCIAL, INC. 1 3.00% $6,607
CHERRY CREEK MORTGAGE, LLC 1 3.13% $873
City Bank 1 2.63% $3,844
CMG MORTGAGE, INC. 1 3.25% $5,660
DELMAR FINANCIAL COMPANY 1 3.25% $4,088
Discover Bank 1 3.99% $0
EASTMAN 1 3.63% $5,194
EECU 1 3.00% $3,857
EMM LOANS LLC 1 2.99% $12,207
ENDEAVOR CAPITAL, LLC. 1 4.75% $8,159
Evolve Bank & Trust 1 3.00% $4,331
Farm Credit Mid-America, ACA 1 3.95% $9,133
FIRST CENTENNIAL MORTGAGE CORPORATION 1 3.00% $2,627
First Internet Bank of Indiana 1 2.99% $4,299
Goldwater Bank, N.A. 1 3.38% $6,932
GUARANTEED RATE, INC. 1 3.25% $3,596
Hometown Lenders, Inc. 1 3.25% $5,776
INTEGRITY MORTGAGE CORPORATION OF TEXAS 1 2.75% $2,907
InterContinental Capital Group, Inc 1 3.00% $4,026
KeyBank 1 3.00% $6,256
Leaders Credit Union 1 3.00% $3,392
LENDERFI, INC. 1 2.75% $1,632
MEMBER HOME LOAN, L.L.C. 1 2.88% $6,034
Mid-America Bank 1 3.25% $3,165
MORIA DEVELOPMENT, INC. 1 3.38% $3,783
NATIONS RELIABLE LENDING, LLC 1 3.25% $2,369
NBKC BANK 1 2.88% $2,919
PNC Bank 1 3.25% $3,728
Prosperity Bank 1 2.50% $5,987
RESIDENTIAL BANCORP. 1 3.13% $5,886
S1L, Inc. 1 3.25% $4,446
SIRVA MORTGAGE, INC. 1 3.13% $1,767
SPRING EQ, LLC 1 3.50% $0
Sunflower Bank 1 2.88% $10,945
SUN WEST MORTGAGE COMPANY, INC. 1 3.13% $3,330
The American National Bank of Texas 1 3.38% $4,178
The Huntington National Bank 1 2.25% $6,125
TRIAD FINANCIAL SERVICES, INC. 1 5.00% $5,882
Truist Bank 1 3.00% $6,880
U.S. Bank 1 2.88% $3,653
VANDERBILT MORTGAGE AND FINANCE, INC. 1 2.88% $5,798
WILLOW BEND MORTGAGE COMPANY, LLC 1 3.13% $4,457

TEXARKANA, TX-AR's 111 lenders originated 3,515 loans during 2021. The total origination value was $704,525,000, with an average loan value of $200,434.

The top TEXARKANA lender as defined by loan originations is QUICKEN LOANS, LLC, with 96 loans originated. Their average total fees are $4,499, which is $491 higher than the next largest lender, MORTGAGE FINANCIAL SERVICES, LLC.

The lowest fee TEXARKANA lenders (with over 10 loans originated) are RED RIVER EMPLOYEES ($2,666), Citizens Bank ($3,039), BancorpSouth Bank ($3,177), Wells Fargo Bank ($3,250) and CALIBER HOME LOANS, INC. ($3,254).

The lowest rate TEXARKANA lenders (with over 10 loans originated) are State Bank of De Kalb (2.91%), AMERISAVE MORTGAGE CORPORATION (2.93%), CORNERSTONE HOME LENDING, INC. (2.96%), Citizens Bank (2.97%) and Farmers Bank & Trust Company (2.98%).

TEXARKANA, TX-AR Lender 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
MORTGAGE FINANCIAL SERVICES, LLC $58,225,000 $53,990,000 -7.3% 7.7%
State Bank of De Kalb $60,565,000 $50,295,000 -17.0% 7.1%
QUICKEN LOANS, LLC $30,085,000 $45,880,000 52.5% 6.5%
Farmers Bank & Trust Company $48,160,000 $44,445,000 -7.7% 6.3%
Arbor Realty Trust, Inc. $4,105,000 $40,850,000 895.1% 5.8%
U.S. Bank $290,000 $34,655,000 11,850.0% 4.9%
RED RIVER EMPLOYEES $17,485,000 $29,780,000 70.3% 4.2%
TEXAR $32,220,000 $25,310,000 -21.4% 3.6%
BancorpSouth Bank $21,565,000 $21,880,000 1.5% 3.1%
BERKELEY POINT CAPITAL LLC $21,795,000 n/a 3.1%
GUILD MORTGAGE COMPANY $3,865,000 $19,195,000 396.6% 2.7%
Guaranty Bank & Trust, N.A. $23,195,000 $18,985,000 -18.2% 2.7%
FREEDOM MORTGAGE CORPORATION $20,985,000 $17,565,000 -16.3% 2.5%
SWBC MORTGAGE CORPORATION $17,845,000 $15,505,000 -13.1% 2.2%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $14,355,000 n/a 2.0%
Mortgage Research Center, LLC $8,100,000 $13,435,000 65.9% 1.9%
COREVEST AMERICAN FINANCE LENDER LLC $9,995,000 n/a 1.4%
Regions Bank $16,665,000 $9,100,000 -45.4% 1.3%
CALIBER HOME LOANS, INC. $5,330,000 $7,155,000 34.2% 1.0%
PENNYMAC LOAN SERVICES, LLC $4,460,000 $6,950,000 55.8% 1.0%
LOANDEPOT.COM, LLC $1,900,000 $6,830,000 259.5% 1.0%
Citizens Bank $3,050,000 $6,565,000 115.2% 0.9%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $8,820,000 $6,195,000 -29.8% 0.9%
Texana Bank $6,500,000 $6,155,000 -5.3% 0.9%
Wells Fargo Bank $4,035,000 $6,145,000 52.3% 0.9%
ACADEMY MORTGAGE CORPORATION $7,600,000 $5,855,000 -23.0% 0.8%
Diamond Bank $6,740,000 $5,585,000 -17.1% 0.8%
21ST MORTGAGE CORPORATION $6,570,000 $5,520,000 -16.0% 0.8%
AMERISAVE MORTGAGE CORPORATION $2,220,000 $5,145,000 131.8% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $5,045,000 $5,145,000 2.0% 0.7%
Horatio State Bank $3,425,000 $4,865,000 42.0% 0.7%
HOME POINT FINANCIAL CORPORATION $2,255,000 $4,455,000 97.6% 0.6%
EVERETT FINANCIAL, INC. $15,900,000 $4,125,000 -74.1% 0.6%
Bank OZK $5,245,000 $4,040,000 -23.0% 0.6%
Waterstone Mortgage Corporation $6,600,000 $3,960,000 -40.0% 0.6%
Gateway First Bank $5,940,000 $3,950,000 -33.5% 0.6%
CORNERSTONE HOME LENDING, INC. $7,255,000 $3,830,000 -47.2% 0.5%
Bank of England $3,980,000 $3,575,000 -10.2% 0.5%
TRIAD FINANCIAL SERVICES, INC. $1,075,000 $3,365,000 213.0% 0.5%
PRIMARY RESIDENTIAL MORTGAGE, INC. $3,920,000 $3,170,000 -19.1% 0.4%
AMCAP MORTGAGE, LTD. $2,455,000 $3,155,000 28.5% 0.4%
Hancock Whitney Bank $3,125,000 n/a 0.4%
UNITED WHOLESALE MORTGAGE, LLC $1,960,000 $3,085,000 57.4% 0.4%
NAVY FEDERAL CREDIT UNION $3,070,000 $3,020,000 -1.6% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,050,000 $3,000,000 185.7% 0.4%
Farm Credit Services of Western Arkansas, ACA $5,020,000 $2,680,000 -46.6% 0.4%
The City National Bank of Sulphur Springs $495,000 $2,595,000 424.2% 0.4%
NEW DAY FINANCIAL, LLC $1,960,000 $2,490,000 27.0% 0.4%
USAA Federal Savings Bank $3,180,000 $2,490,000 -21.7% 0.4%
NEWREZ LLC $1,100,000 $2,390,000 117.3% 0.3%
Arvest Bank $2,870,000 $2,185,000 -23.9% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $530,000 $2,085,000 293.4% 0.3%
LAKEVIEW LOAN SERVICING, LLC $945,000 $2,055,000 117.5% 0.3%
FirstTrust Home Loans, Inc. $4,085,000 $2,035,000 -50.2% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $1,505,000 $2,015,000 33.9% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,690,000 $1,865,000 10.4% 0.3%
The First National Bank of Tom Bean $1,595,000 $1,790,000 12.2% 0.3%
JPMorgan Chase Bank $2,260,000 $1,735,000 -23.2% 0.2%
UNION HOME MORTGAGE CORP. $1,065,000 $1,715,000 61.0% 0.2%
AMERICAN FINANCING CORPORATION $640,000 $1,630,000 154.7% 0.2%
Barrington Bank & Trust Company, N.A. $1,595,000 $1,610,000 0.9% 0.2%
First Guaranty Mortgage Corporation $1,070,000 $1,525,000 42.5% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,350,000 $1,505,000 11.5% 0.2%
UNITED BUILT HOMES, L.L.C. $1,595,000 $1,490,000 -6.6% 0.2%
LEADERONE FINANCIAL CORPORATION $105,000 $1,385,000 1,219.0% 0.2%
InterContinental Capital Group, Inc $715,000 $1,345,000 88.1% 0.2%
ZILLOW HOME LOANS, LLC $215,000 $1,330,000 518.6% 0.2%
CHURCHILL MORTGAGE CORPORATION $295,000 $1,225,000 315.3% 0.2%
Reliant Bank $675,000 $1,180,000 74.8% 0.2%
Flagstar Bank, FSB $705,000 $1,135,000 61.0% 0.2%
Carrington Mortgage Services, LLC $1,090,000 $1,035,000 -5.0% 0.1%
ROYAL UNITED MORTGAGE LLC $585,000 $990,000 69.2% 0.1%
BROKER SOLUTIONS, INC. $625,000 $980,000 56.8% 0.1%
BETTER MORTGAGE CORPORATION $1,065,000 $950,000 -10.8% 0.1%
PENTAGON FEDERAL CREDIT UNION $900,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $485,000 $885,000 82.5% 0.1%
AmeriHome Mortgage Company, LLC $865,000 $815,000 -5.8% 0.1%
American State Bank $805,000 n/a 0.1%
CLEARPATH LENDING $1,635,000 $805,000 -50.8% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $330,000 $800,000 142.4% 0.1%
GREAT WESTERN FINANCIAL SERVICES, INC. $450,000 $790,000 75.6% 0.1%
Hamilton Mortgage Corporation $650,000 $785,000 20.8% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $660,000 $780,000 18.2% 0.1%
Lakeview Community Capital, LLC $775,000 n/a 0.1%
KeyBank $155,000 $725,000 367.7% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $720,000 n/a 0.1%
Goldwater Bank, N.A. $890,000 $715,000 -19.7% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $690,000 n/a 0.1%
CMG MORTGAGE, INC. $565,000 $675,000 19.5% 0.1%
Magnolia Bank $670,000 n/a 0.1%
Truist Bank $1,355,000 $655,000 -51.7% 0.1%
ASPIRE FINANCIAL, INC. $650,000 n/a 0.1%
ENDEAVOR CAPITAL, LLC. $605,000 n/a 0.1%
S1L, Inc. $105,000 $600,000 471.4% 0.1%
The Huntington National Bank $580,000 n/a 0.1%
Paramount Bank $550,000 n/a 0.1%
BKCO MORTGAGE, LLC $545,000 n/a 0.1%
RESIDENTIAL BANCORP. $545,000 n/a 0.1%
The Federal Savings Bank $990,000 $540,000 -45.5% 0.1%
Ally Bank $215,000 $515,000 139.5% 0.1%
ACOPIA, LLC $305,000 $490,000 60.7% 0.1%
Manufacturers and Traders Trust Company $490,000 n/a 0.1%
CHERRY CREEK MORTGAGE, LLC $465,000 n/a 0.1%
Prosperity Bank $455,000 n/a 0.1%
Credence Funding Corporation $445,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $535,000 $425,000 -20.6% 0.1%
EMM LOANS LLC $415,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $400,000 n/a 0.1%
NATIONS RELIABLE LENDING, LLC $380,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $370,000 n/a 0.1%
First Internet Bank of Indiana $365,000 n/a 0.1%
NP, Inc. $355,000 n/a 0.1%
EECU $350,000 n/a 0.0%
Farm Credit Mid-America, ACA $345,000 n/a 0.0%
Origin Bank $430,000 $345,000 -19.8% 0.0%
SFMC, LP $515,000 $325,000 -36.9% 0.0%
First Financial Bank $320,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $320,000 n/a 0.0%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $320,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $305,000 $305,000 0.0% 0.0%
Sunflower Bank $305,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $745,000 $295,000 -60.4% 0.0%
The Citizens Bank $295,000 n/a 0.0%
SECURITY SERVICE $285,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $280,000 n/a 0.0%
EASTMAN $155,000 $280,000 80.6% 0.0%
SUMMIT FUNDING, INC. $275,000 n/a 0.0%
Discover Bank $255,000 $270,000 5.9% 0.0%
Acre Mortgage and Financial Inc $265,000 n/a 0.0%
Bank of America $1,365,000 $260,000 -81.0% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $850,000 $255,000 -70.0% 0.0%
PREMIA MORTGAGE, LLC $430,000 $255,000 -40.7% 0.0%
NBKC BANK $145,000 $250,000 72.4% 0.0%
The First National Bank of Hughes Springs $720,000 $250,000 -65.3% 0.0%
Austin Capital Bank SSB $85,000 $245,000 188.2% 0.0%
MOVEMENT MORTGAGE, LLC $480,000 $245,000 -49.0% 0.0%
OCEANSIDE MORTGAGE COMPANY $310,000 $240,000 -22.6% 0.0%
AMERICAN ADVISORS GROUP $145,000 $235,000 62.1% 0.0%
AMWEST FUNDING CORP. $235,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $720,000 $230,000 -68.1% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $230,000 n/a 0.0%
BMO Harris Bank $225,000 n/a 0.0%
Chicago Patrolmen's Federal Credit Union $225,000 n/a 0.0%
Community First National Bank $225,000 n/a 0.0%
Equity Prime Mortgage LLC $225,000 n/a 0.0%
First United Bank and Trust Company $115,000 $225,000 95.7% 0.0%
Amarillo National Bank $125,000 $220,000 76.0% 0.0%
PNC Bank $220,000 n/a 0.0%
City Bank $235,000 $215,000 -8.5% 0.0%
Loan Simple, Inc. $215,000 n/a 0.0%
Mid-Continent Funding, Inc. $500,000 $215,000 -57.0% 0.0%
ACCELERATE MORTGAGE, LLC $205,000 n/a 0.0%
Centennial Bank $125,000 $205,000 64.0% 0.0%
UMB Bank $205,000 n/a 0.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $195,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $265,000 $195,000 -26.4% 0.0%
GUARANTEED RATE, INC. $1,335,000 $195,000 -85.4% 0.0%
LENDERFI, INC. $195,000 n/a 0.0%
MEMBER HOME LOAN, L.L.C. $195,000 n/a 0.0%
WILLOW BEND MORTGAGE COMPANY, LLC $165,000 $195,000 18.2% 0.0%
Renasant Bank $185,000 n/a 0.0%
SPRING EQ, LLC $25,000 $185,000 640.0% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $230,000 $175,000 -23.9% 0.0%
Leaders Credit Union $175,000 n/a 0.0%
Southern Bancorp Bank $170,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $165,000 n/a 0.0%
Evolve Bank & Trust $165,000 n/a 0.0%
Mid-America Bank $165,000 n/a 0.0%
SIRVA MORTGAGE, INC. $135,000 $165,000 22.2% 0.0%
Citizens Bank & Trust Company of Vivian, Louisiana $320,000 $160,000 -50.0% 0.0%
PHH Mortgage Corporation $155,000 n/a 0.0%
Simmons Bank $75,000 $155,000 106.7% 0.0%
Veritex Community Bank $155,000 n/a 0.0%
American Airlines Federal Credit Union $165,000 $145,000 -12.1% 0.0%
GMFS LLC $145,000 n/a 0.0%
JAMES B. NUTTER & COMPANY $125,000 $145,000 16.0% 0.0%
The Bank of Holly Springs $145,000 n/a 0.0%
Triumph Bank $145,000 n/a 0.0%
First Security Bank $355,000 $135,000 -62.0% 0.0%
Colonial Savings, F.A. $410,000 $125,000 -69.5% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $125,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $115,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $95,000 $115,000 21.1% 0.0%
The American National Bank of Texas $115,000 $115,000 0.0% 0.0%
Citibank $260,000 $105,000 -59.6% 0.0%
CIVIC FINANCIAL SERVICES, LLC $105,000 n/a 0.0%
Nations Lending Corporation $675,000 $105,000 -84.4% 0.0%
POLARIS HOME FUNDING CORP. $105,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $85,000 $105,000 23.5% 0.0%
PLANET HOME LENDING, LLC $565,000 $95,000 -83.2% 0.0%
Hometown Lenders, Inc. $85,000 n/a 0.0%
FAY SERVICING, LLC $65,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $65,000 n/a 0.0%
First Guaranty Bank $65,000 n/a 0.0%
The Farmers & Merchants Bank $65,000 n/a 0.0%
Figure Lending LLC $55,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $55,000 n/a 0.0%
North American Savings Bank, F.S.B. $310,000 $55,000 -82.3% 0.0%
Farm Credit Services of Western Arkansas, PCA $65,000 $25,000 -61.5% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 $25,000 0.0% 0.0%
RANDOLPH-BROOKS $185,000 $15,000 -91.9% 0.0%

TEXARKANA's top lender by overall market share is MORTGAGE FINANCIAL SERVICES, LLC, with 7.7% market share. In second place, with 7.1%, is State Bank of De Kalb, having originated $50,295,000 in loans. In third place, with 6.5%, is QUICKEN LOANS, LLC, having originated $45,880,000 in loans. In third place, with 6.3%, is Farmers Bank & Trust Company, having originated $44,445,000 in loans. In third place, with 5.8%, is Arbor Realty Trust, Inc., having originated $40,850,000 in loans.


TEXARKANA, TX-AR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,869 $361,255,000 $193,288
Refi 1,057 $195,115,000 $184,593
Cash Out Refi 503 $140,635,000 $279,592
Home Improvement 61 $4,745,000 $77,787
Other 25 $2,775,000 $111,000

Texarkana's most frequently cited loan purpose was Home Purchase, with 1,869 originations. The 2nd most popular reason was Refi, with 1,057 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,026 $208,500,000 $203,216
3-4% 995 $193,695,000 $194,668
<2.5% 480 $129,980,000 $270,792
4-5% 372 $60,500,000 $162,634
5-6% 199 $27,175,000 $136,558
6-7% 80 $5,830,000 $72,875
Over 8% 60 $5,500,000 $91,667
7-8% 33 $2,705,000 $81,970

During 2021, Texarkana's most frequently originated rate bucket was 2.5-3%, with 1,026 originations.

Loan Sizing (TEXARKANA, TX-AR MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,474 $215,010,000 $145,868
$100,000 or less 1,050 $65,290,000 $62,181
$200k-400k 859 $228,745,000 $266,292
$400k-600k 98 $46,580,000 $475,306
$Over $1MM 22 $140,140,000 $6,370,000
$600k-1000k 12 $8,760,000 $730,000

TEXARKANA's loan sizing saw the bucket of loans from $100k-200k with 1,474 originations, totaling $215,010,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,519 $288,985,000 $190,247
60-80% 986 $248,240,000 $251,765
40-60% 301 $67,095,000 $222,907
20-40% 148 $10,400,000 $70,270
Under 20% 95 $6,105,000 $64,263
Over 100% 47 $10,035,000 $213,511

TEXARKANA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,519 originations, totaling $288,985,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - TEXARKANA (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 $133,900 (-3.5%) $180,606 (-3.1%) 0.49 522
2018-02-01 $133,450 (-4.0%) $182,334 (-1.9%) 0.48 522
2018-03-01 $140,000 (-0.7%) $189,748 (-1.6%) 0.48 523
2018-04-01 $152,337 (2.2%) $199,574 (3.2%) 0.51 520
2018-05-01 $158,450 (0.3%) $205,287 (3.9%) 0.53 513
2018-06-01 $159,900 (0.6%) $215,307 (11.4%) 0.53 555
2018-07-01 $159,900 (7.3%) $213,001 (11.7%) 0.53 608
2018-08-01 $161,700 (14.7%) $213,195 (16.3%) 0.54 619
2018-09-01 $165,000 (15.8%) $212,598 (15.8%) 0.55 598
2018-10-01 $155,000 (10.8%) $207,982 (15.2%) 0.52 632
2018-11-01 $157,500 (15.0%) $212,512 (18.9%) 0.53 633
2018-12-01 $155,000 (14.9%) $212,408 (17.8%) 0.53 601
2019-01-01 $153,400 (14.6%) $209,826 (16.2%) 0.53 578
2019-02-01 $157,500 (18.0%) $212,336 (16.5%) 0.53 595
2019-03-01 $166,386 (18.9%) $217,919 (14.9%) 0.54 599
2019-04-01 $174,900 (14.8%) $226,729 (13.6%) 0.55 600
2019-05-01 $175,000 (10.4%) $224,190 (9.2%) 0.54 583
2019-06-01 $169,900 (6.3%) $220,041 (2.2%) 0.52 599
2019-07-01 $169,900 (6.3%) $219,124 (2.9%) 0.53 604
2019-08-01 $168,657 (4.3%) $219,798 (3.1%) 0.53 593
2019-09-01 $166,000 (0.6%) $217,837 (2.5%) 0.53 588
2019-10-01 $159,900 (3.2%) $211,101 (1.5%) 0.51 604
2019-11-01 $159,500 (1.3%) $210,290 (-1.1%) 0.51 586
2019-12-01 $159,900 (3.2%) $208,734 (-1.7%) 0.53 535
2020-01-01 $162,400 (5.9%) $211,081 (0.6%) 0.54 480
2020-02-01 $164,900 (4.7%) $215,252 (1.4%) 0.53 454
2020-03-01 $159,400 (-4.2%) $209,044 (-4.1%) 0.50 453
2020-04-01 $161,500 (-7.7%) $215,343 (-5.0%) 0.50 429
2020-05-01 $179,900 (2.8%) $230,365 (2.8%) 0.55 365
2020-06-01 $193,449 (13.9%) $241,849 (9.9%) 0.56 375
2020-07-01 $204,900 (20.6%) $253,176 (15.5%) 0.59 356
2020-08-01 $189,900 (12.6%) $247,551 (12.6%) 0.54 325
2020-09-01 $193,200 (16.4%) $259,237 (19.0%) 0.55 295
2020-10-01 $195,000 (22.0%) $256,763 (21.6%) 0.56 282
2020-11-01 $190,000 (19.1%) $250,492 (19.1%) 0.54 286
2020-12-01 $190,000 (18.8%) $266,349 (27.6%) 0.56 254
2021-01-01 $189,900 (16.9%) $270,693 (28.2%) 0.56 228
2021-02-01 $196,000 (18.9%) $270,466 (25.7%) 0.56 212
2021-03-01 $199,500 (25.2%) $279,087 (33.5%) 0.56 196
2021-04-01 $231,950 (43.6%) $367,794 (70.8%) 0.62 165
2021-05-01 $220,000 (22.3%) $380,057 (65.0%) 0.58 146
2021-06-01 $184,450 (-4.7%) $358,739 (48.3%) 0.48 149
2021-07-01 $182,500 (-10.9%) $333,702 (31.8%) 0.47 170
2021-08-01 $172,450 (-9.2%) $312,960 (26.4%) 0.45 195
2021-09-01 $173,000 (-10.5%) $296,734 (14.5%) 0.46 212
2021-10-01 $179,500 (-8.0%) $296,328 (15.4%) 0.47 229
2021-11-01 $179,700 (-5.4%) $298,538 (19.2%) 0.47 240
2021-12-01 $179,950 (-5.3%) $292,984 (10.0%) 0.48 247
2022-01-01 $189,900 (0.0%) $309,788 (14.4%) 0.51 207
2022-02-01 $211,950 (8.1%) $330,339 (22.1%) 0.54 191
2022-03-01 $231,500 (16.0%) $320,166 (14.7%) 0.57 182
2022-04-01 $279,900 (20.7%) $347,565 (-5.5%) 0.66 166
TEXARKANA's median listing price for 2022-04-01 was $279,900, a difference of $47,950 (20.7%) versus the prior year and $48,400 versus the prior month.

TEXARKANA's median listing price comes in at 66% of the national average.

TEXARKANA's average listing price for 2022-04-01 was $347,565, a difference of $-20,229 (-5.5%) versus the prior year and $27,399 versus the prior month.

For the 2022-04-01 period, TEXARKANA had 166 MLS listings, a difference of -16 listings (-9%) versus the prior month and 1 listings (1%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - TEXARKANA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 112 days 1,796 sqft
2018-02-01 112 days 1,801 sqft
2018-03-01 110 days 1,855 sqft
2018-04-01 81 days 1,912 sqft
2018-05-01 78 days 1,931 sqft
2018-06-01 71 days 1,978 sqft
2018-07-01 69 days 1,955 sqft
2018-08-01 72 days 1,988 sqft
2018-09-01 80 days 1,998 sqft
2018-10-01 82 days 1,948 sqft
2018-11-01 82 days 1,954 sqft
2018-12-01 92 days 1,959 sqft
2019-01-01 103 days 1,953 sqft
2019-02-01 113 days 1,956 sqft
2019-03-01 95 days 1,971 sqft
2019-04-01 83 days 2,003 sqft
2019-05-01 80 days 2,028 sqft
2019-06-01 77 days 2,004 sqft
2019-07-01 79 days 2,043 sqft
2019-08-01 77 days 2,064 sqft
2019-09-01 75 days 1,992 sqft
2019-10-01 75 days 1,916 sqft
2019-11-01 84 days 1,920 sqft
2019-12-01 98 days 1,958 sqft
2020-01-01 109 days 1,970 sqft
2020-02-01 105 days 1,966 sqft
2020-03-01 92 days 1,920 sqft
2020-04-01 83 days 1,931 sqft
2020-05-01 95 days 2,025 sqft
2020-06-01 85 days 2,041 sqft
2020-07-01 57 days 2,087 sqft
2020-08-01 64 days 2,025 sqft
2020-09-01 71 days 2,149 sqft
2020-10-01 71 days 2,090 sqft
2020-11-01 55 days 2,019 sqft
2020-12-01 62 days 2,077 sqft
2021-01-01 73 days 2,128 sqft
2021-02-01 78 days 2,183 sqft
2021-03-01 78 days 2,198 sqft
2021-04-01 75 days 2,151 sqft
2021-05-01 37 days 2,019 sqft
2021-06-01 35 days 1,886 sqft
2021-07-01 39 days 1,848 sqft
2021-08-01 39 days 1,814 sqft
2021-09-01 44 days 1,799 sqft
2021-10-01 44 days 1,888 sqft
2021-11-01 54 days 1,851 sqft
2021-12-01 56 days 1,841 sqft
2022-01-01 63 days 1,863 sqft
2022-02-01 69 days 1,875 sqft
2022-03-01 60 days 1,960 sqft
2022-04-01 36 days 2,161 sqft
TEXARKANA's median listing age (time on market) for 2022-04-01 was 36 days. This is -52% shorter than the same period one year ago.

TEXARKANA's median square footage for active listings during the 2022-04-01 period was 2,161 sqft. One year prior, the average listing was 2,151 sqft.