Bartlesville VA Loan Rates, Closing Costs & Stats

Bartlesville, OK

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Bartlesville's 29 lenders originated 87 VA loans during 2023. The total origination value was $18,665,000, with an average VA loan value of $214,540.

    Bartlesville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Bartlesville averaged 6.74% for the week of 2024-04-12, compared to the national average (all VA variants) of 6.574% for the same period.

    Bartlesville's average VA mortgage closing costs are $4,996.

    The average rate for the prior week (2024-04-05) was 6.89% and one month ago for the week of 2024-03-08, the average rate was 6.62%.

    The average rate one year ago was 5.92%.

    For refis of the same type during the week of 2024-04-12, the average rate was 6.57%.

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

    Bartlesville VA Loan Lenders by Rates & Fees

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

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 29 6.90% $6,227
    ASSOCIATED MORTGAGE CORPORATION 9 6.28% $7,641
    QUICKEN LOANS, LLC 5 6.12% $11,397
    NEW DAY FINANCIAL, LLC 4 7.68% $6,801
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.83% $1,846
    PENNYMAC LOAN SERVICES, LLC 3 5.38% $8,602
    Regent Financial Group, Inc. 3 7.00% $9,557
    Arvest Bank 3 6.38% $1,874
    United Fidelity Funding Corp. 2 7.31% $10,514
    DHI MORTGAGE COMPANY, LTD. 2 4.99% $4,199
    NAVY FEDERAL CREDIT UNION 2 5.88% $3,247
    Barrington Bank & Trust Company, N.A. 2 6.75% $4,590
    The Central Trust Bank 1 6.88% $6,710
    The Federal Savings Bank 1 7.25% $6,103
    UNITED WHOLESALE MORTGAGE, LLC 1 6.50% $775
    USAA Federal Savings Bank 1 6.50% $2,515
    AmeriHome Mortgage Company, LLC 1 6.00% $0
    US MORTGAGE CORPORATION 1 7.63% $4,559
    CARDINAL FINANCIAL 1 6.75% $6,843
    First United Bank and Trust Company 1 6.88% $3,929
    FREEDOM MORTGAGE CORPORATION 1 6.75% $15,721
    GUARANTEED RATE, INC. 1 7.50% $2,702
    Ixonia Bank 1 6.00% $4,092
    LOANPAL, LLC 1 6.50% $14,077
    Mr. Cooper ( Nationstar Mortgage ) 1 6.13% $10,165
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.25% $13,884
    OPEN MORTGAGE, LLC 1 6.75% $9,183
    PREMIA MORTGAGE, LLC 1 6.13% $6,504
    RCB Bank 1 6.75% $4,114

    The top Bartlesville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 29 VA loans originated. Their average total fees are $6,227, which is $1,414 lower than the next largest lender, ASSOCIATED MORTGAGE CORPORATION.

    The lowest fee Bartlesville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,227), .

    The lowest rate Bartlesville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.90%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Bartlesville (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 $123,975 (-2.7%) $156,452 (0.2%) 0.00 227
    2018-02-01 $119,700 (-6.8%) $150,606 (-2.2%) 0.00 221
    2018-03-01 $124,000 (-0.8%) $159,397 (5.1%) 0.00 223
    2018-04-01 $133,500 (3.5%) $164,516 (4.0%) 0.00 241
    2018-05-01 $138,250 (4.0%) $174,481 (3.4%) 0.00 252
    2018-06-01 $134,450 (2.0%) $171,389 (0.4%) 0.00 273
    2018-07-01 $136,000 (0.7%) $170,367 (-0.8%) 0.00 288
    2018-08-01 $136,000 (0.6%) $169,197 (-0.9%) 0.00 302
    2018-09-01 $134,999 (0.0%) $171,453 (1.7%) 0.00 313
    2018-10-01 $131,850 (-1.7%) $169,835 (1.2%) 0.00 297
    2018-11-01 $129,900 (0.5%) $167,768 (2.0%) 0.00 288
    2018-12-01 $135,000 (12.6%) $171,332 (10.7%) 0.00 255
    2019-01-01 $133,500 (7.7%) $171,751 (9.8%) 0.00 242
    2019-02-01 $131,500 (9.9%) $169,307 (12.4%) 0.00 224
    2019-03-01 $135,100 (9.0%) $172,133 (8.0%) 0.00 214
    2019-04-01 $139,300 (4.3%) $176,582 (7.3%) 0.00 222
    2019-05-01 $135,750 (-1.8%) $174,135 (-0.2%) 0.00 240
    2019-06-01 $131,000 (-2.6%) $168,075 (-1.9%) 0.00 233
    2019-07-01 $127,125 (-6.5%) $165,061 (-3.1%) 0.00 228
    2019-08-01 $127,532 (-6.2%) $166,044 (-1.9%) 0.00 216
    2019-09-01 $126,080 (-6.6%) $165,563 (-3.4%) 0.00 199
    2019-10-01 $128,736 (-2.4%) $165,926 (-2.3%) 0.00 188
    2019-11-01 $146,500 (12.8%) $174,282 (3.9%) 0.00 181
    2019-12-01 $148,975 (10.4%) $177,015 (3.3%) 0.00 171
    2020-01-01 $136,000 (1.9%) $175,228 (2.0%) 0.00 164
    2020-02-01 $140,950 (7.2%) $177,855 (5.1%) 0.00 151
    2020-03-01 $157,825 (16.8%) $180,106 (4.6%) 0.00 152
    2020-04-01 $148,100 (6.3%) $178,694 (1.2%) 0.00 157
    2020-05-01 $149,900 (10.4%) $177,152 (1.7%) 0.00 134
    2020-06-01 $154,950 (18.3%) $178,643 (6.3%) 0.00 129
    2020-07-01 $146,175 (15.0%) $176,567 (7.0%) 0.00 119
    2020-08-01 $148,250 (16.3%) $176,176 (6.1%) 0.00 106
    2020-09-01 $138,900 (10.2%) $181,196 (9.4%) 0.00 86
    2020-10-01 $132,500 (2.9%) $196,022 (18.1%) 0.00 84
    2020-11-01 $130,475 (-10.9%) $177,791 (2.0%) 0.00 75
    2020-12-01 $138,500 (-7.0%) $187,145 (5.7%) 0.00 67
    2021-01-01 $138,500 (1.8%) $172,431 (-1.6%) 0.00 54
    2021-02-01 $154,250 (9.4%) $178,086 (0.1%) 0.00 47
    2021-03-01 $139,700 (-11.5%) $172,850 (-4.0%) 0.00 51
    2021-04-01 $137,000 (-7.5%) $184,514 (3.3%) 0.00 48
    2021-05-01 $153,700 (2.5%) $206,870 (16.8%) 0.00 60
    2021-06-01 $142,400 (-8.1%) $217,288 (21.6%) 0.00 61
    2021-07-01 $164,900 (12.8%) $216,886 (22.8%) 0.00 72
    2021-08-01 $155,000 (4.6%) $199,815 (13.4%) 0.00 86
    2021-09-01 $151,250 (8.9%) $207,698 (14.6%) 0.00 86
    2021-10-01 $147,678 (11.5%) $191,316 (-2.4%) 0.00 87
    2021-11-01 $147,703 (13.2%) $197,537 (11.1%) 0.00 93
    2021-12-01 $145,455 (5.0%) $183,606 (-1.9%) 0.00 86
    2022-01-01 $189,450 (36.8%) $1,286,872 (646.3%) 0.00 76
    2022-02-01 $194,000 (25.8%) $298,694 (67.7%) 0.00 59
    2022-03-01 $193,700 (38.7%) $207,948 (20.3%) 0.00 47
    2022-04-01 $199,000 (45.3%) $214,635 (16.3%) 0.00 60
    2022-05-01 $229,243 (49.2%) $223,085 (7.8%) 0.00 65
    2022-06-01 $200,975 (41.1%) $212,833 (-2.1%) 0.00 70
    2022-07-01 $188,500 (14.3%) $207,481 (-4.3%) 0.00 89
    2022-08-01 $189,000 (21.9%) $226,117 (13.2%) 0.00 92
    2022-09-01 $178,000 (17.7%) $231,135 (11.3%) 0.00 97
    2022-10-01 $184,500 (24.9%) $223,626 (16.9%) 0.00 105
    2022-11-01 $164,450 (11.3%) $228,718 (15.8%) 0.00 100
    2022-12-01 $199,000 (36.8%) $241,393 (31.5%) 0.00 92
    2023-01-01 $187,000 (-1.3%) $226,132 (-82.4%) 0.00 90
    2023-02-01 $180,225 (-7.1%) $219,836 (-26.4%) 0.00 68
    2023-03-01 $206,350 (6.5%) $228,877 (10.1%) 0.00 71
    2023-04-01 $239,995 (20.6%) $262,187 (22.2%) 0.00 71
    2023-05-01 $269,750 (17.7%) $279,286 (25.2%) 0.00 79
    2023-06-01 $267,225 (33.0%) $288,857 (35.7%) 0.00 82
    2023-07-01 $259,500 (37.7%) $295,897 (42.6%) 0.00 88
    2023-08-01 $251,200 (32.9%) $276,685 (22.4%) 0.00 96
    2023-09-01 $239,750 (34.7%) $277,657 (20.1%) 0.00 98
    2023-10-01 $237,000 (28.5%) $281,820 (26.0%) 0.00 105
    2023-11-01 $239,000 (45.3%) $289,231 (26.5%) 0.00 105
    2023-12-01 $219,900 (10.5%) $269,204 (11.5%) 0.00 98
    2024-01-01 $225,000 (20.3%) $260,797 (15.3%) 0.00 98
    2024-02-01 $231,500 (28.5%) $266,082 (21.0%) 0.00 86
    2024-03-01 $225,000 (9.0%) $248,320 (8.5%) 0.00 68
    Bartlesville's median listing price for 2024-03-01 was $225,000, a difference of $18,650 (9.0%) versus the prior year and $-6,500 versus the prior month.

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

    Bartlesville's average listing price for 2024-03-01 was $248,320, a difference of $19,443 (8.5%) versus the prior year and $-17,762 versus the prior month.

    For the 2024-03-01 period, Bartlesville had 68 MLS listings, a difference of -18 listings (-21%) versus the prior month and -3 listings (-4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bartlesville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,852 sqft
    2018-02-01 0 days 1,825 sqft
    2018-03-01 0 days 1,875 sqft
    2018-04-01 0 days 1,987 sqft
    2018-05-01 0 days 2,024 sqft
    2018-06-01 0 days 1,945 sqft
    2018-07-01 0 days 2,000 sqft
    2018-08-01 0 days 2,006 sqft
    2018-09-01 0 days 2,018 sqft
    2018-10-01 0 days 2,006 sqft
    2018-11-01 0 days 1,970 sqft
    2018-12-01 0 days 1,988 sqft
    2019-01-01 0 days 2,032 sqft
    2019-02-01 0 days 2,049 sqft
    2019-03-01 0 days 2,029 sqft
    2019-04-01 0 days 1,998 sqft
    2019-05-01 0 days 1,932 sqft
    2019-06-01 0 days 1,882 sqft
    2019-07-01 0 days 1,871 sqft
    2019-08-01 0 days 1,914 sqft
    2019-09-01 0 days 1,909 sqft
    2019-10-01 0 days 1,906 sqft
    2019-11-01 0 days 1,997 sqft
    2019-12-01 0 days 2,003 sqft
    2020-01-01 0 days 1,920 sqft
    2020-02-01 0 days 1,921 sqft
    2020-03-01 0 days 1,983 sqft
    2020-04-01 0 days 1,922 sqft
    2020-05-01 0 days 2,040 sqft
    2020-06-01 0 days 2,010 sqft
    2020-07-01 0 days 2,068 sqft
    2020-08-01 0 days 2,043 sqft
    2020-09-01 0 days 1,913 sqft
    2020-10-01 0 days 1,905 sqft
    2020-11-01 0 days 1,775 sqft
    2020-12-01 0 days 1,889 sqft
    2021-01-01 0 days 1,833 sqft
    2021-02-01 0 days 1,995 sqft
    2021-03-01 0 days 1,863 sqft
    2021-04-01 0 days 1,765 sqft
    2021-05-01 0 days 1,868 sqft
    2021-06-01 0 days 1,828 sqft
    2021-07-01 0 days 1,889 sqft
    2021-08-01 0 days 1,784 sqft
    2021-09-01 0 days 1,790 sqft
    2021-10-01 0 days 1,768 sqft
    2021-11-01 0 days 1,705 sqft
    2021-12-01 0 days 1,684 sqft
    2022-01-01 0 days 1,750 sqft
    2022-02-01 0 days 1,810 sqft
    2022-03-01 0 days 1,781 sqft
    2022-04-01 0 days 1,750 sqft
    2022-05-01 0 days 1,813 sqft
    2022-06-01 0 days 1,807 sqft
    2022-07-01 0 days 1,822 sqft
    2022-08-01 0 days 1,891 sqft
    2022-09-01 0 days 1,930 sqft
    2022-10-01 0 days 1,885 sqft
    2022-11-01 0 days 1,764 sqft
    2022-12-01 0 days 1,908 sqft
    2023-01-01 0 days 1,815 sqft
    2023-02-01 0 days 1,799 sqft
    2023-03-01 0 days 1,903 sqft
    2023-04-01 0 days 2,072 sqft
    2023-05-01 0 days 2,113 sqft
    2023-06-01 0 days 2,144 sqft
    2023-07-01 0 days 2,111 sqft
    2023-08-01 0 days 1,997 sqft
    2023-09-01 0 days 1,869 sqft
    2023-10-01 0 days 1,870 sqft
    2023-11-01 0 days 1,924 sqft
    2023-12-01 0 days 1,894 sqft
    2024-01-01 0 days 1,878 sqft
    2024-02-01 0 days 1,868 sqft
    2024-03-01 0 days 1,816 sqft
    Bartlesville's median listing age (time on market) for 2024-03-01 was 0 days.

    Bartlesville's median square footage for active listings during the 2024-03-01 period was 1,816 sqft. One year prior, the average listing was 1,903 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.