Pine Bluff USDA Loan Rates, Closing Costs & Stats

PINE BLUFF, AR

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 11 lenders originated 35 USDA loans during 2023. The total origination value was $5,215,000, with an average USDA loan value of $149,000.

    Pine Bluff USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Pine Bluff averaged 6.68% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Pine Bluff's average USDA mortgage closing costs are $4,660.

    The average rate for the prior week (2025-02-07) was 6.73% and one month ago for the week of 2025-01-10, the average rate was 6.58%.

    The average rate one year ago was 6.47%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FirstTrust Home Loans, Inc. 13 6.76% $5,695
    MORTGAGE FINANCIAL SERVICES, LLC 7 6.70% $6,022
    EVERETT FINANCIAL, INC. 6 6.65% $6,375
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.13% $8,129
    NFM, INC. 1 6.63% $7,541
    Simmons Bank 1 6.38% $6,304
    Bank of England 1 5.75% $4,235
    UNITED WHOLESALE MORTGAGE, LLC 1 6.60% $3,803
    CARDINAL FINANCIAL 1 6.75% $7,741
    First Community Bank 1 5.75% $5,880
    Magnolia Bank 1 7.13% $3,859

    The top Pine Bluff USDA lender as defined by loan originations is FirstTrust Home Loans, Inc., with 13 USDA loans originated. Their average total fees are $5,695, which is $327 lower than the next largest lender, MORTGAGE FINANCIAL SERVICES, LLC.

    The lowest fee Pine Bluff USDA lenders (with over 10 loans originated) are FirstTrust Home Loans, Inc. ($5,695), .

    The lowest rate Pine Bluff USDA lenders (with over 10 loans originated) are FirstTrust Home Loans, Inc. (6.76%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pine Bluff (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 $98,000 (2.6%) $114,674 (-6.2%) 0.00 191
    2018-02-01 $95,500 (-2.7%) $113,601 (-8.0%) 0.00 189
    2018-03-01 $85,000 (-14.9%) $104,690 (-17.5%) 0.00 184
    2018-04-01 $91,725 (-7.5%) $114,587 (-8.8%) 0.00 188
    2018-05-01 $95,950 (-0.4%) $118,789 (-2.4%) 0.00 194
    2018-06-01 $99,900 (5.6%) $119,095 (-3.5%) 0.00 200
    2018-07-01 $99,900 (1.1%) $119,491 (-3.9%) 0.00 198
    2018-08-01 $99,800 (7.9%) $118,123 (0.2%) 0.00 208
    2018-09-01 $99,900 (5.2%) $119,629 (1.5%) 0.00 208
    2018-10-01 $97,950 (3.2%) $117,500 (2.7%) 0.00 209
    2018-11-01 $89,925 (-2.2%) $110,305 (-0.8%) 0.00 220
    2018-12-01 $89,950 (-4.8%) $111,917 (-0.3%) 0.00 208
    2019-01-01 $88,000 (-10.2%) $106,007 (-7.6%) 0.00 206
    2019-02-01 $87,725 (-8.1%) $106,767 (-6.0%) 0.00 202
    2019-03-01 $87,071 (2.4%) $108,525 (3.7%) 0.00 207
    2019-04-01 $89,925 (-2.0%) $111,296 (-2.9%) 0.00 210
    2019-05-01 $89,925 (-6.3%) $108,460 (-8.7%) 0.00 196
    2019-06-01 $84,700 (-15.2%) $111,582 (-6.3%) 0.00 190
    2019-07-01 $83,500 (-16.4%) $113,170 (-5.3%) 0.00 189
    2019-08-01 $80,091 (-19.8%) $111,380 (-5.7%) 0.00 201
    2019-09-01 $77,227 (-22.7%) $109,800 (-8.2%) 0.00 219
    2019-10-01 $75,000 (-23.4%) $108,712 (-7.5%) 0.00 235
    2019-11-01 $73,700 (-18.0%) $104,089 (-5.6%) 0.00 242
    2019-12-01 $69,975 (-22.2%) $99,065 (-11.5%) 0.00 228
    2020-01-01 $69,350 (-21.2%) $99,176 (-6.4%) 0.00 214
    2020-02-01 $73,995 (-15.7%) $104,790 (-1.9%) 0.00 207
    2020-03-01 $77,150 (-11.4%) $107,523 (-0.9%) 0.00 201
    2020-04-01 $74,900 (-16.7%) $104,629 (-6.0%) 0.00 193
    2020-05-01 $74,500 (-17.2%) $103,463 (-4.6%) 0.00 175
    2020-06-01 $71,000 (-16.2%) $101,909 (-8.7%) 0.00 151
    2020-07-01 $74,900 (-10.3%) $114,499 (1.2%) 0.00 138
    2020-08-01 $74,250 (-7.3%) $116,371 (4.5%) 0.00 123
    2020-09-01 $83,425 (8.0%) $128,011 (16.6%) 0.00 122
    2020-10-01 $96,500 (28.7%) $123,613 (13.7%) 0.00 124
    2020-11-01 $100,925 (36.9%) $126,025 (21.1%) 0.00 125
    2020-12-01 $102,000 (45.8%) $129,374 (30.6%) 0.00 125
    2021-01-01 $104,000 (50.0%) $132,923 (34.0%) 0.00 97
    2021-02-01 $88,500 (19.6%) $118,165 (12.8%) 0.00 87
    2021-03-01 $101,225 (31.2%) $119,365 (11.0%) 0.00 84
    2021-04-01 $99,950 (33.4%) $118,324 (13.1%) 0.00 78
    2021-05-01 $92,450 (24.1%) $114,340 (10.5%) 0.00 76
    2021-06-01 $93,350 (31.5%) $117,311 (15.1%) 0.00 73
    2021-07-01 $102,450 (36.8%) $130,831 (14.3%) 0.00 87
    2021-08-01 $102,450 (38.0%) $133,128 (14.4%) 0.00 103
    2021-09-01 $102,000 (22.3%) $138,460 (8.2%) 0.00 113
    2021-10-01 $110,000 (14.0%) $142,306 (15.1%) 0.00 129
    2021-11-01 $106,225 (5.3%) $139,521 (10.7%) 0.00 127
    2021-12-01 $109,950 (7.8%) $142,668 (10.3%) 0.00 120
    2022-01-01 $114,950 (10.5%) $151,935 (14.3%) 0.00 100
    2022-02-01 $109,475 (23.7%) $145,969 (23.5%) 0.00 89
    2022-03-01 $122,500 (21.0%) $155,764 (30.5%) 0.00 85
    2022-04-01 $140,000 (40.1%) $165,135 (39.6%) 0.00 90
    2022-05-01 $151,200 (63.6%) $162,054 (41.7%) 0.00 93
    2022-06-01 $137,975 (47.8%) $166,666 (42.1%) 0.00 96
    2022-07-01 $129,900 (26.8%) $165,612 (26.6%) 0.00 107
    2022-08-01 $127,500 (24.5%) $159,676 (19.9%) 0.00 108
    2022-09-01 $135,500 (32.8%) $161,181 (16.4%) 0.00 120
    2022-10-01 $149,900 (36.3%) $176,496 (24.0%) 0.00 116
    2022-11-01 $143,825 (35.4%) $165,843 (18.9%) 0.00 125
    2022-12-01 $137,500 (25.1%) $160,356 (12.4%) 0.00 121
    2023-01-01 $126,000 (9.6%) $155,627 (2.4%) 0.00 111
    2023-02-01 $133,500 (22.0%) $149,453 (2.4%) 0.00 116
    2023-03-01 $127,450 (4.0%) $147,295 (-5.4%) 0.00 133
    2023-04-01 $136,000 (-2.9%) $157,997 (-4.3%) 0.00 138
    2023-05-01 $119,900 (-20.7%) $156,331 (-3.5%) 0.00 135
    2023-06-01 $132,500 (-4.0%) $160,923 (-3.5%) 0.00 144
    2023-07-01 $130,000 (0.1%) $157,306 (-5.0%) 0.00 140
    2023-08-01 $131,225 (2.9%) $174,055 (9.0%) 0.00 154
    2023-09-01 $138,500 (2.2%) $175,794 (9.1%) 0.00 162
    2023-10-01 $137,200 (-8.5%) $176,263 (-0.1%) 0.00 165
    2023-11-01 $135,925 (-5.5%) $175,308 (5.7%) 0.00 159
    2023-12-01 $134,500 (-2.2%) $170,797 (6.5%) 0.00 167
    2024-01-01 $137,450 (9.1%) $176,894 (13.7%) 0.00 158
    2024-02-01 $136,750 (2.4%) $166,089 (11.1%) 0.00 168
    2024-03-01 $135,000 (5.9%) $165,201 (12.2%) 0.00 147
    2024-04-01 $139,375 (2.5%) $166,625 (5.5%) 0.00 138
    2024-05-01 $122,500 (2.2%) $160,194 (2.5%) 0.00 146
    2024-06-01 $120,000 (-9.4%) $157,353 (-2.2%) 0.00 159
    2024-07-01 $135,600 (4.3%) $163,770 (4.1%) 0.00 154
    2024-08-01 $144,650 (10.2%) $171,863 (-1.3%) 0.00 168
    2024-09-01 $141,975 (2.5%) $172,217 (-2.0%) 0.00 180
    2024-10-01 $141,875 (3.4%) $167,056 (-5.2%) 0.00 202
    2024-11-01 $135,000 (-0.7%) $156,992 (-10.5%) 0.00 232
    2024-12-01 $139,000 (3.4%) $154,019 (-9.8%) 0.00 234
    2025-01-01 $132,500 (-3.6%) $150,817 (-14.7%) 0.00 219
    Pine Bluff's median listing price for 2025-01-01 was $132,500, a difference of $-4,950 (-3.6%) versus the prior year and $-6,500 versus the prior month.

    Pine Bluff's median listing price comes in at 0% of the national average.

    Pine Bluff's average listing price for 2025-01-01 was $150,817, a difference of $-26,077 (-14.7%) versus the prior year and $-3,202 versus the prior month.

    For the 2025-01-01 period, Pine Bluff had 219 MLS listings, a difference of -15 listings (-6%) versus the prior month and 61 listings (39%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pine Bluff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,824 sqft
    2018-02-01 0 days 1,804 sqft
    2018-03-01 0 days 1,800 sqft
    2018-04-01 0 days 1,776 sqft
    2018-05-01 0 days 1,788 sqft
    2018-06-01 0 days 1,793 sqft
    2018-07-01 0 days 1,816 sqft
    2018-08-01 0 days 1,831 sqft
    2018-09-01 0 days 1,824 sqft
    2018-10-01 0 days 1,796 sqft
    2018-11-01 0 days 1,768 sqft
    2018-12-01 0 days 1,730 sqft
    2019-01-01 0 days 1,687 sqft
    2019-02-01 0 days 1,681 sqft
    2019-03-01 0 days 1,704 sqft
    2019-04-01 0 days 1,732 sqft
    2019-05-01 0 days 1,722 sqft
    2019-06-01 0 days 1,703 sqft
    2019-07-01 0 days 1,686 sqft
    2019-08-01 0 days 1,660 sqft
    2019-09-01 0 days 1,647 sqft
    2019-10-01 0 days 1,633 sqft
    2019-11-01 0 days 1,582 sqft
    2019-12-01 0 days 1,585 sqft
    2020-01-01 0 days 1,605 sqft
    2020-02-01 0 days 1,578 sqft
    2020-03-01 0 days 1,548 sqft
    2020-04-01 0 days 1,547 sqft
    2020-05-01 0 days 1,542 sqft
    2020-06-01 0 days 1,518 sqft
    2020-07-01 0 days 1,559 sqft
    2020-08-01 0 days 1,572 sqft
    2020-09-01 0 days 1,642 sqft
    2020-10-01 0 days 1,621 sqft
    2020-11-01 0 days 1,695 sqft
    2020-12-01 0 days 1,645 sqft
    2021-01-01 0 days 1,731 sqft
    2021-02-01 0 days 1,629 sqft
    2021-03-01 0 days 1,699 sqft
    2021-04-01 0 days 1,680 sqft
    2021-05-01 0 days 1,603 sqft
    2021-06-01 0 days 1,526 sqft
    2021-07-01 0 days 1,598 sqft
    2021-08-01 0 days 1,734 sqft
    2021-09-01 0 days 1,742 sqft
    2021-10-01 0 days 1,658 sqft
    2021-11-01 0 days 1,639 sqft
    2021-12-01 0 days 1,632 sqft
    2022-01-01 0 days 1,722 sqft
    2022-02-01 0 days 1,620 sqft
    2022-03-01 0 days 1,730 sqft
    2022-04-01 0 days 1,840 sqft
    2022-05-01 0 days 1,877 sqft
    2022-06-01 0 days 1,886 sqft
    2022-07-01 0 days 1,816 sqft
    2022-08-01 0 days 1,809 sqft
    2022-09-01 0 days 1,736 sqft
    2022-10-01 0 days 1,764 sqft
    2022-11-01 0 days 1,694 sqft
    2022-12-01 0 days 1,707 sqft
    2023-01-01 0 days 1,746 sqft
    2023-02-01 0 days 1,616 sqft
    2023-03-01 0 days 1,593 sqft
    2023-04-01 0 days 1,695 sqft
    2023-05-01 0 days 1,579 sqft
    2023-06-01 0 days 1,639 sqft
    2023-07-01 0 days 1,600 sqft
    2023-08-01 0 days 1,667 sqft
    2023-09-01 0 days 1,711 sqft
    2023-10-01 0 days 1,710 sqft
    2023-11-01 0 days 1,699 sqft
    2023-12-01 0 days 1,688 sqft
    2024-01-01 0 days 1,699 sqft
    2024-02-01 0 days 1,690 sqft
    2024-03-01 0 days 1,648 sqft
    2024-04-01 0 days 1,797 sqft
    2024-05-01 0 days 1,665 sqft
    2024-06-01 0 days 1,598 sqft
    2024-07-01 0 days 1,649 sqft
    2024-08-01 0 days 1,653 sqft
    2024-09-01 0 days 1,671 sqft
    2024-10-01 0 days 1,667 sqft
    2024-11-01 0 days 1,612 sqft
    2024-12-01 0 days 1,632 sqft
    2025-01-01 0 days 1,633 sqft
    Pine Bluff's median listing age (time on market) for 2025-01-01 was 0 days.

    Pine Bluff's median square footage for active listings during the 2025-01-01 period was 1,633 sqft. One year prior, the average listing was 1,699 sqft.