Bartlesville VA Loan Rates, Closing Costs & Stats

Bartlesville, OK

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 0.17% for the week of 2024-11-29, compared to the national average (all VA variants) of 0% for the same period.

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

The average rate for the prior week (2024-11-22) was 6.44% and one month ago for the week of 2024-10-25, the average rate was 6.23%.

The average rate one year ago was 6.98%.

For refis of the same type during the week of 2024-11-29, the average rate was 0.2%.

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
2024-04-01 $226,875 (-5.5%) $253,196 (-3.4%) 0.00 79
2024-05-01 $233,375 (-13.5%) $271,558 (-2.8%) 0.00 93
2024-06-01 $212,450 (-20.5%) $274,926 (-4.8%) 0.00 95
2024-07-01 $224,900 (-13.3%) $285,189 (-3.6%) 0.00 103
2024-08-01 $219,900 (-12.5%) $285,755 (3.3%) 0.00 104
2024-09-01 $227,000 (-5.3%) $284,985 (2.6%) 0.00 110
2024-10-01 $231,725 (-2.2%) $271,789 (-3.6%) 0.00 113
Bartlesville's median listing price for 2024-10-01 was $231,725, a difference of $-5,275 (-2.2%) versus the prior year and $4,725 versus the prior month.

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

Bartlesville's average listing price for 2024-10-01 was $271,789, a difference of $-10,031 (-3.6%) versus the prior year and $-13,196 versus the prior month.

For the 2024-10-01 period, Bartlesville had 113 MLS listings, a difference of 3 listings (3%) versus the prior month and 8 listings (8%) 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
2024-04-01 0 days 1,820 sqft
2024-05-01 0 days 1,857 sqft
2024-06-01 0 days 1,780 sqft
2024-07-01 0 days 1,809 sqft
2024-08-01 0 days 1,860 sqft
2024-09-01 0 days 1,915 sqft
2024-10-01 0 days 1,947 sqft
Bartlesville's median listing age (time on market) for 2024-10-01 was 0 days.

Bartlesville's median square footage for active listings during the 2024-10-01 period was 1,947 sqft. One year prior, the average listing was 1,870 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.