Pine Bluff USDA Loan Rates, Closing Costs & Stats

PINE BLUFF, AR

USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

Pine Bluff's 9 lenders originated 22 USDA loans during 2024. The total origination value was $3,190,000, with an average USDA loan value of $145,000.

Pine Bluff USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Pine Bluff averaged 0.55% for the week of 2025-07-04, compared to the national average (all USDA variants) of 0% for the same period.

Pine Bluff's average USDA mortgage closing costs are $4,714.

The average rate for the prior week (2025-06-27) was 6.88% and one month ago for the week of 2025-05-30, the average rate was 6.77%.

The average rate one year ago was 7.16%.

For refis of the same type during the week of 2025-07-04, the average rate was 0.01%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Pine Bluff USDA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Pine Bluff level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
MORTGAGE FINANCIAL SERVICES, LLC 7 6.91% $6,031
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 7.25% $4,504
EVERETT FINANCIAL, INC. 1 6.63% $7,083
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.13% $5,897
Simmons Bank 1 6.50% $4,833
STOCKTON MORTGAGE CORPORATION 1 6.38% $6,525
American Mortgage & Equity Consultants, Inc. 1 7.63% $5,568
TIB The Independent Bankersbank 1 6.50% $5,741
CROSSCOUNTRY MORTGAGE, LLC 1 6.87% $7,469

The top Pine Bluff USDA lender as defined by loan originations is MORTGAGE FINANCIAL SERVICES, LLC, with 7 USDA loans originated. Their average total fees are $6,031, which is $1,527 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

The lowest fee Pine Bluff USDA lenders (with over 10 loans originated) are .

The lowest rate Pine Bluff USDA lenders (with over 10 loans originated) are .