Deridder VA Loan Rates, Closing Costs & Stats

DeRidder, LA

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.

Deridder's 34 lenders originated 165 VA loans during 2024. The total origination value was $41,025,000, with an average VA loan value of $248,636.

Deridder VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Deridder averaged 6.74% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

Deridder's average VA mortgage closing costs are $5,502.

The average rate for the prior week (2025-05-16) was 7.02% and one month ago for the week of 2025-04-18, the average rate was 6.69%.

The average rate one year ago was 7.01%.

For refis of the same type during the week of 2025-05-23, the average rate was 6.19%.

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

Deridder 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 Deridder level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 34 6.26% $4,546
Mortgage Research Center, LLC 31 6.31% $5,517
FREEDOM MORTGAGE CORPORATION 14 6.51% $6,026
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 6.50% $6,587
NAVY FEDERAL CREDIT UNION 9 6.00% $6,132
EUSTIS AND AMERICAN MORTGAGE COMPANY 8 6.48% $4,077
PENNYMAC LOAN SERVICES, LLC 7 5.38% $5,775
USAA Federal Savings Bank 4 6.56% $12,086
QUICKEN LOANS, LLC 4 6.15% $8,074
VILLAGE CAPITAL MORTGAGE 3 6.08% $5,128
NEW DAY FINANCIAL, LLC 3 7.54% $7,592
NEWREZ LLC 3 6.00% $3,351
MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.58% $2,846
The Federal Savings Bank 2 6.19% $11,787
T2 FINANCIAL LLC 2 6.44% $19,298
LOANDEPOT.COM, LLC 2 6.43% $15,492
Red River Bank 1 5.75% $4,414
SUN WEST MORTGAGE COMPANY, INC. 1 2.25% $3,355
NBKC BANK 1 6.13% $2,612
CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $9,669
Equity Prime Mortgage LLC 1 6.75% $5,610
Farmers Bank & Trust 1 6.13% $3,423
First Federal Bank, A FSB 1 7.25% $8,319
Flagstar Bank, FSB 1 6.00% $2,943
GMFS LLC 1 6.50% $13,238
LAKEVIEW LOAN SERVICING, LLC 1 5.25% $4,912
MOVEMENT MORTGAGE, LLC 1 6.75% $13,043
Mr. Cooper ( Nationstar Mortgage ) 1 5.63% $6,696
CLEARPATH LENDING 1 5.25% $1,920
NETWORK CAPITAL FUNDING CORPORATION 1 5.75% $1,926
PENTAGON FEDERAL CREDIT UNION 1 5.38% $11,906
PHH Mortgage Corporation 1 5.63% $4,319
Plains Commerce Bank 1 6.63% $8,717
PLANET HOME LENDING, LLC 1 6.38% $1,036

The top Deridder VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 34 VA loans originated. Their average total fees are $4,546, which is $971 lower than the next largest lender, Mortgage Research Center, LLC.

The lowest fee Deridder VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($4,546), Mortgage Research Center, LLC ($5,517), FREEDOM MORTGAGE CORPORATION ($6,026), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,587) and .

The lowest rate Deridder VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.26%), Mortgage Research Center, LLC (6.31%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.50%), FREEDOM MORTGAGE CORPORATION (6.51%) and .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Deridder (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 $173,475 (2.4%) $186,754 (1.8%) 0.00 234
2018-02-01 $179,000 (5.8%) $188,240 (2.2%) 0.00 222
2018-03-01 $172,950 (3.0%) $188,077 (-0.5%) 0.00 222
2018-04-01 $179,500 (4.4%) $192,424 (1.4%) 0.00 228
2018-05-01 $180,500 (3.2%) $193,180 (-2.5%) 0.00 219
2018-06-01 $184,900 (3.7%) $194,450 (-3.8%) 0.00 211
2018-07-01 $185,729 (6.1%) $200,908 (3.9%) 0.00 225
2018-08-01 $184,850 (4.3%) $201,867 (0.9%) 0.00 238
2018-09-01 $185,358 (5.9%) $203,658 (-1.0%) 0.00 232
2018-10-01 $187,975 (7.4%) $204,279 (1.3%) 0.00 217
2018-11-01 $181,500 (3.6%) $205,171 (3.7%) 0.00 208
2018-12-01 $180,000 (2.9%) $207,765 (7.3%) 0.00 208
2019-01-01 $180,725 (4.2%) $207,168 (10.9%) 0.00 191
2019-02-01 $179,925 (0.5%) $203,693 (8.2%) 0.00 184
2019-03-01 $183,943 (6.4%) $204,822 (8.9%) 0.00 174
2019-04-01 $187,600 (4.5%) $205,700 (6.9%) 0.00 170
2019-05-01 $179,750 (-0.4%) $213,673 (10.6%) 0.00 173
2019-06-01 $185,000 (0.1%) $220,472 (13.4%) 0.00 181
2019-07-01 $179,675 (-3.3%) $213,433 (6.2%) 0.00 175
2019-08-01 $179,777 (-2.7%) $215,287 (6.7%) 0.00 176
2019-09-01 $179,593 (-3.1%) $218,567 (7.3%) 0.00 170
2019-10-01 $179,225 (-4.7%) $221,445 (8.4%) 0.00 161
2019-11-01 $193,200 (6.5%) $226,643 (10.5%) 0.00 150
2019-12-01 $198,375 (10.2%) $227,034 (9.3%) 0.00 145
2020-01-01 $209,900 (16.1%) $234,806 (13.3%) 0.00 145
2020-02-01 $204,950 (13.9%) $237,824 (16.8%) 0.00 133
2020-03-01 $205,000 (11.5%) $241,129 (17.7%) 0.00 128
2020-04-01 $200,475 (6.9%) $234,222 (13.9%) 0.00 134
2020-05-01 $189,900 (5.7%) $202,395 (-5.3%) 0.00 138
2020-06-01 $199,450 (7.8%) $210,694 (-4.4%) 0.00 140
2020-07-01 $189,925 (5.7%) $214,259 (0.4%) 0.00 126
2020-08-01 $200,500 (11.5%) $227,478 (5.7%) 0.00 117
2020-09-01 $212,500 (18.3%) $228,050 (4.3%) 0.00 104
2020-10-01 $187,900 (4.8%) $214,092 (-3.3%) 0.00 86
2020-11-01 $171,750 (-11.1%) $208,747 (-7.9%) 0.00 78
2020-12-01 $203,500 (2.6%) $230,953 (1.7%) 0.00 74
2021-01-01 $185,600 (-11.6%) $213,425 (-9.1%) 0.00 58
2021-02-01 $185,275 (-9.6%) $209,069 (-12.1%) 0.00 59
2021-03-01 $169,000 (-17.6%) $201,461 (-16.5%) 0.00 49
2021-04-01 $191,975 (-4.2%) $226,053 (-3.5%) 0.00 48
2021-05-01 $187,450 (-1.3%) $210,748 (4.1%) 0.00 45
2021-06-01 $156,750 (-21.4%) $235,430 (11.7%) 0.00 48
2021-07-01 $170,000 (-10.5%) $287,726 (34.3%) 0.00 50
2021-08-01 $165,125 (-17.6%) $285,767 (25.6%) 0.00 55
2021-09-01 $179,900 (-15.3%) $277,903 (21.9%) 0.00 60
2021-10-01 $168,000 (-10.6%) $281,857 (31.7%) 0.00 58
2021-11-01 $168,500 (-1.9%) $282,639 (35.4%) 0.00 62
2021-12-01 $168,750 (-17.1%) $278,931 (20.8%) 0.00 61
2022-01-01 $187,250 (0.9%) $281,707 (32.0%) 0.00 55
2022-02-01 $159,900 (-13.7%) $297,195 (42.2%) 0.00 47
2022-03-01 $159,900 (-5.4%) $314,584 (56.2%) 0.00 40
2022-04-01 $195,500 (1.8%) $337,785 (49.4%) 0.00 38
2022-05-01 $212,225 (13.2%) $228,463 (8.4%) 0.00 58
2022-06-01 $203,425 (29.8%) $219,084 (-6.9%) 0.00 67
2022-07-01 $210,000 (23.5%) $225,004 (-21.8%) 0.00 78
2022-08-01 $194,875 (18.0%) $215,265 (-24.7%) 0.00 96
2022-09-01 $193,625 (7.6%) $216,934 (-21.9%) 0.00 98
2022-10-01 $205,000 (22.0%) $229,065 (-18.7%) 0.00 97
2022-11-01 $230,750 (36.9%) $256,696 (-9.2%) 0.00 101
2022-12-01 $239,450 (41.9%) $276,650 (-0.8%) 0.00 94
2023-01-01 $230,000 (22.8%) $273,304 (-3.0%) 0.00 90
2023-02-01 $239,675 (49.9%) $268,468 (-9.7%) 0.00 98
2023-03-01 $245,000 (53.2%) $268,670 (-14.6%) 0.00 91
2023-04-01 $259,000 (32.5%) $277,646 (-17.8%) 0.00 95
2023-05-01 $239,500 (12.9%) $254,750 (11.5%) 0.00 106
2023-06-01 $237,500 (16.8%) $267,493 (22.1%) 0.00 109
2023-07-01 $240,000 (14.3%) $276,369 (22.8%) 0.00 119
2023-08-01 $273,000 (40.1%) $312,810 (45.3%) 0.00 135
2023-09-01 $265,000 (36.9%) $338,889 (56.2%) 0.00 133
2023-10-01 $275,000 (34.2%) $349,308 (52.5%) 0.00 136
2023-11-01 $272,000 (17.9%) $349,372 (36.1%) 0.00 142
2023-12-01 $277,000 (15.7%) $350,666 (26.8%) 0.00 138
2024-01-01 $265,000 (15.2%) $346,932 (26.9%) 0.00 128
2024-02-01 $274,000 (14.3%) $344,740 (28.4%) 0.00 128
2024-03-01 $279,900 (14.2%) $353,639 (31.6%) 0.00 132
2024-04-01 $285,000 (10.0%) $353,235 (27.2%) 0.00 143
2024-05-01 $277,450 (15.9%) $350,616 (37.6%) 0.00 157
2024-06-01 $271,250 (14.2%) $341,930 (27.8%) 0.00 160
2024-07-01 $268,125 (11.7%) $326,479 (18.1%) 0.00 163
2024-08-01 $259,900 (-4.8%) $325,001 (3.9%) 0.00 160
2024-09-01 $254,700 (-3.9%) $310,128 (-8.5%) 0.00 161
2024-10-01 $253,625 (-7.8%) $325,756 (-6.7%) 0.00 172
2024-11-01 $260,000 (-4.4%) $330,626 (-5.4%) 0.00 178
2024-12-01 $260,950 (-5.8%) $309,590 (-11.7%) 0.00 168
2025-01-01 $249,675 (-5.8%) $307,380 (-11.4%) 0.00 159
2025-02-01 $261,950 (-4.4%) $280,695 (-18.6%) 0.00 154
2025-03-01 $254,000 (-9.3%) $288,286 (-18.5%) 0.00 160
2025-04-01 $254,750 (-10.6%) $292,280 (-17.3%) 0.00 168
Deridder's median listing price for 2025-04-01 was $254,750, a difference of $-30,250 (-10.6%) versus the prior year and $750 versus the prior month.

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

Deridder's average listing price for 2025-04-01 was $292,280, a difference of $-60,955 (-17.3%) versus the prior year and $3,994 versus the prior month.

For the 2025-04-01 period, Deridder had 168 MLS listings, a difference of 8 listings (5%) versus the prior month and 25 listings (17%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Deridder (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,200 sqft
2018-02-01 0 days 2,244 sqft
2018-03-01 0 days 2,199 sqft
2018-04-01 0 days 2,209 sqft
2018-05-01 0 days 2,219 sqft
2018-06-01 0 days 2,287 sqft
2018-07-01 0 days 2,347 sqft
2018-08-01 0 days 2,330 sqft
2018-09-01 0 days 2,390 sqft
2018-10-01 0 days 2,354 sqft
2018-11-01 0 days 2,311 sqft
2018-12-01 0 days 2,317 sqft
2019-01-01 0 days 2,352 sqft
2019-02-01 0 days 2,386 sqft
2019-03-01 0 days 2,386 sqft
2019-04-01 0 days 2,390 sqft
2019-05-01 0 days 2,361 sqft
2019-06-01 0 days 2,347 sqft
2019-07-01 0 days 2,348 sqft
2019-08-01 0 days 2,317 sqft
2019-09-01 0 days 2,268 sqft
2019-10-01 0 days 2,235 sqft
2019-11-01 0 days 2,229 sqft
2019-12-01 0 days 2,300 sqft
2020-01-01 0 days 2,347 sqft
2020-02-01 0 days 2,324 sqft
2020-03-01 0 days 2,179 sqft
2020-04-01 0 days 1,991 sqft
2020-05-01 0 days 1,885 sqft
2020-06-01 0 days 1,912 sqft
2020-07-01 0 days 1,902 sqft
2020-08-01 0 days 1,858 sqft
2020-09-01 0 days 1,809 sqft
2020-10-01 0 days 1,797 sqft
2020-11-01 0 days 1,752 sqft
2020-12-01 0 days 1,847 sqft
2021-01-01 0 days 1,818 sqft
2021-02-01 0 days 1,825 sqft
2021-03-01 0 days 1,834 sqft
2021-04-01 0 days 1,792 sqft
2021-05-01 0 days 1,738 sqft
2021-06-01 0 days 1,656 sqft
2021-07-01 0 days 1,643 sqft
2021-08-01 0 days 1,677 sqft
2021-09-01 0 days 1,703 sqft
2021-10-01 0 days 1,669 sqft
2021-11-01 0 days 1,669 sqft
2021-12-01 0 days 1,680 sqft
2022-01-01 0 days 1,809 sqft
2022-02-01 0 days 1,800 sqft
2022-03-01 0 days 1,844 sqft
2022-04-01 0 days 1,810 sqft
2022-05-01 0 days 1,866 sqft
2022-06-01 0 days 1,713 sqft
2022-07-01 0 days 1,771 sqft
2022-08-01 0 days 1,696 sqft
2022-09-01 0 days 1,657 sqft
2022-10-01 0 days 1,679 sqft
2022-11-01 0 days 1,808 sqft
2022-12-01 0 days 1,840 sqft
2023-01-01 0 days 1,839 sqft
2023-02-01 0 days 1,848 sqft
2023-03-01 0 days 1,837 sqft
2023-04-01 0 days 1,912 sqft
2023-05-01 0 days 1,823 sqft
2023-06-01 0 days 1,859 sqft
2023-07-01 0 days 1,925 sqft
2023-08-01 0 days 1,930 sqft
2023-09-01 0 days 1,929 sqft
2023-10-01 0 days 1,956 sqft
2023-11-01 0 days 1,960 sqft
2023-12-01 0 days 1,951 sqft
2024-01-01 0 days 1,903 sqft
2024-02-01 0 days 1,948 sqft
2024-03-01 0 days 2,046 sqft
2024-04-01 0 days 2,000 sqft
2024-05-01 0 days 2,005 sqft
2024-06-01 0 days 1,983 sqft
2024-07-01 0 days 1,992 sqft
2024-08-01 0 days 1,905 sqft
2024-09-01 0 days 1,900 sqft
2024-10-01 0 days 1,910 sqft
2024-11-01 0 days 1,956 sqft
2024-12-01 0 days 1,931 sqft
2025-01-01 0 days 1,847 sqft
2025-02-01 0 days 1,855 sqft
2025-03-01 0 days 1,869 sqft
2025-04-01 0 days 1,870 sqft
Deridder's median listing age (time on market) for 2025-04-01 was 0 days.

Deridder's median square footage for active listings during the 2025-04-01 period was 1,870 sqft. One year prior, the average listing was 2,000 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.