Little Rock VA Loan Rates, Closing Costs & Stats
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR
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.
Little Rock's 134 lenders originated 2,092 VA
loans during 2024. The total origination value was $594,980,000, with an average VA loan value of
$284,407.
Little Rock VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Little Rock
averaged
0.55%
for the week of 2025-06-20, compared to the national average (all VA variants) of
0% for the same period.
Little Rock's average VA mortgage closing costs are $5,386.
The average rate for the prior week (2025-06-13) was
7% and
one month ago for the week of 2025-05-16, the
average rate was 6.76%.
The average rate one year ago was 6.55%.
For refis of the same type during the week of 2025-06-20, the average rate
was 0.21%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
Little Rock 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 Little Rock level.
Name |
# of Loans |
2024 Avg. 30yFix Rate |
2024 Avg. Closing Costs |
Mortgage Research Center, LLC
|
347
|
6.45%
|
$4,810
|
UNITED WHOLESALE MORTGAGE, LLC
|
131
|
5.83%
|
$6,927
|
QUICKEN LOANS, LLC
|
107
|
6.11%
|
$9,311
|
FREEDOM MORTGAGE CORPORATION
|
86
|
6.16%
|
$7,008
|
FLAT BRANCH MORTGAGE, INC.
|
72
|
6.59%
|
$8,447
|
PENNYMAC LOAN SERVICES, LLC
|
62
|
5.73%
|
$7,559
|
Eagle Bank and Trust Company
|
60
|
6.20%
|
$6,932
|
NAVY FEDERAL CREDIT UNION
|
57
|
5.91%
|
$4,701
|
EUSTIS AND AMERICAN MORTGAGE COMPANY
|
57
|
6.54%
|
$7,811
|
USAA Federal Savings Bank
|
57
|
6.35%
|
$6,572
|
SENTE MORTGAGE, INC.
|
50
|
6.68%
|
$8,761
|
NEW DAY FINANCIAL, LLC
|
44
|
7.34%
|
$9,633
|
Chambers Bank
|
39
|
6.13%
|
$7,918
|
COMMUNITY MORTGAGE CORPORATION
|
37
|
6.21%
|
$8,568
|
VILLAGE CAPITAL MORTGAGE
|
35
|
5.79%
|
$6,561
|
Arvest Bank
|
32
|
6.33%
|
$3,676
|
Bank of England
|
27
|
6.45%
|
$6,370
|
MORTGAGE SOLUTIONS OF COLORADO, LLC
|
25
|
7.07%
|
$3,331
|
First Horizon Bank
|
25
|
6.16%
|
$6,331
|
The Federal Savings Bank
|
25
|
6.33%
|
$14,159
|
BANK OF LITTLE ROCK MORTGAGE CORPORATION
|
24
|
6.28%
|
$3,505
|
ARKANSAS Federal Credit Union
|
23
|
6.44%
|
$5,196
|
Centennial Bank
|
21
|
6.36%
|
$8,289
|
GUARANTEED RATE, INC.
|
21
|
6.28%
|
$4,671
|
NEWREZ LLC
|
20
|
6.11%
|
$5,439
|
CROSSCOUNTRY MORTGAGE, LLC
|
17
|
6.41%
|
$6,942
|
NBKC BANK
|
17
|
5.98%
|
$6,268
|
LOANDEPOT.COM, LLC
|
16
|
5.79%
|
$9,871
|
MORTGAGE FINANCIAL SERVICES, LLC
|
15
|
6.62%
|
$10,842
|
HIGHLANDS RESIDENTIAL MORTGAGE, LTD.
|
14
|
6.97%
|
$4,799
|
First Community Bank
|
14
|
6.07%
|
$10,533
|
T2 FINANCIAL LLC
|
14
|
6.46%
|
$7,787
|
PLANET HOME LENDING, LLC
|
14
|
5.87%
|
$5,471
|
ENCORE BANK
|
13
|
6.17%
|
$4,155
|
HOMESIDE FINANCIAL, LLC
|
12
|
6.60%
|
$10,259
|
CLEARPATH LENDING
|
12
|
5.67%
|
$6,068
|
BROKER SOLUTIONS, INC.
|
12
|
6.94%
|
$7,898
|
GUILD MORTGAGE COMPANY
|
12
|
6.61%
|
$9,298
|
Regions Bank
|
10
|
6.10%
|
$6,849
|
ARK-LA-TEX FINANCIAL SERVICES, LLC.
|
9
|
6.50%
|
$10,507
|
Mr. Cooper ( Nationstar Mortgage )
|
9
|
6.40%
|
$9,190
|
Armed Forces Bank
|
9
|
6.10%
|
$9,052
|
SWBC MORTGAGE CORPORATION
|
9
|
6.29%
|
$5,147
|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
|
9
|
6.47%
|
$5,885
|
Carrington Mortgage Services, LLC
|
9
|
5.89%
|
$8,703
|
Simmons Bank
|
8
|
6.56%
|
$4,048
|
American Mortgage & Equity Consultants, Inc.
|
8
|
6.45%
|
$15,037
|
U.S. Bank
|
8
|
6.33%
|
$8,644
|
PILGRIM MORTGAGE LLC
|
8
|
6.72%
|
$5,790
|
LOANPAL, LLC
|
7
|
5.68%
|
$10,428
|
AMERISAVE MORTGAGE CORPORATION
|
7
|
6.18%
|
$15,686
|
Sierra Pacific Mortgage Company, Inc.
|
6
|
6.52%
|
$8,496
|
Magnolia Bank
|
6
|
6.08%
|
$17,500
|
First Security Bank
|
5
|
5.90%
|
$4,889
|
GERSHMAN INVESTMENT CORP.
|
5
|
6.43%
|
$5,606
|
PENTAGON FEDERAL CREDIT UNION
|
5
|
6.38%
|
$5,025
|
LAKEVIEW LOAN SERVICING, LLC
|
5
|
5.63%
|
$5,491
|
SUN WEST MORTGAGE COMPANY, INC.
|
5
|
6.02%
|
$5,412
|
MOVEMENT MORTGAGE, LLC
|
4
|
6.63%
|
$3,545
|
Paramount Residential Mortgage Group, Inc.
|
4
|
5.75%
|
$7,401
|
RELIANCE FIRST CAPITAL, LLC
|
4
|
6.88%
|
$11,669
|
MUTUAL OF OMAHA MORTGAGE, INC.
|
4
|
6.44%
|
$16,233
|
JPMorgan Chase Bank
|
3
|
5.96%
|
$3,968
|
Lakeview Community Capital, LLC
|
3
|
6.25%
|
$4,652
|
AMERICAN PACIFIC MORTGAGE CORPORATION
|
3
|
6.50%
|
$6,148
|
AmeriHome Mortgage Company, LLC
|
3
|
5.91%
|
$7,543
|
Barrington Bank & Trust Company, N.A.
|
3
|
5.92%
|
$3,314
|
Texana Bank
|
3
|
6.58%
|
$14,233
|
Bank OZK
|
3
|
6.25%
|
$6,159
|
First Federal Bank
|
3
|
5.88%
|
$3,612
|
PREMIA MORTGAGE, LLC
|
3
|
6.42%
|
$5,613
|
ASSOCIATED MORTGAGE CORPORATION
|
3
|
6.46%
|
$4,293
|
CORNERSTONE HOME LENDING, INC.
|
3
|
6.75%
|
$8,343
|
CITY FIRST MORTGAGE SERVICES, L.L.C.
|
2
|
7.06%
|
$5,677
|
DHI MORTGAGE COMPANY, LTD.
|
2
|
5.50%
|
$3,502
|
Equity Prime Mortgage LLC
|
2
|
6.44%
|
$9,839
|
CALCON MUTUAL MORTGAGE LLC
|
2
|
7.38%
|
$4,093
|
FIRST COMMUNITY MORTGAGE, INC.
|
2
|
6.44%
|
$3,149
|
First Financial Bank
|
2
|
6.25%
|
$5,284
|
Flagstar Bank, FSB
|
2
|
5.38%
|
$1,544
|
GMFS LLC
|
2
|
6.44%
|
$2,546
|
HOMEBRIDGE FINANCIAL SERVICES, INC.
|
2
|
6.38%
|
$1,203
|
Mid-Continent Funding, Inc.
|
2
|
5.68%
|
$3,128
|
MORTGAGEONE, INC.
|
2
|
6.44%
|
$9,975
|
Bank of America
|
2
|
5.44%
|
$3,211
|
Wells Fargo Bank
|
2
|
6.19%
|
$7,600
|
NFM, INC.
|
2
|
6.38%
|
$16,447
|
PINE BLUFF COTTON BELT Federal Credit Union
|
2
|
6.50%
|
$2,495
|
PRIMARY RESIDENTIAL MORTGAGE, INC.
|
2
|
7.00%
|
$6,494
|
Renasant Bank
|
2
|
6.00%
|
$4,836
|
Service Federal Credit Union
|
2
|
5.88%
|
$2,702
|
STOCKTON MORTGAGE CORPORATION
|
2
|
6.69%
|
$8,201
|
SUCCESS MORTGAGE PARTNERS, INC.
|
2
|
5.75%
|
$14,289
|
AMERICAN FINANCIAL RESOURCES, INC.
|
2
|
6.00%
|
$7,658
|
BancorpSouth
|
1
|
7.00%
|
$3,240
|
PLAZA HOME MORTGAGE, INC.
|
1
|
7.25%
|
$750
|
MID AMERICA MORTGAGE, INC.
|
1
|
7.25%
|
$5,164
|
Presidential Bank, FSB
|
1
|
6.63%
|
$10,150
|
Access Bank
|
1
|
6.13%
|
$4,704
|
PRIMELENDING, A PLAINSCAPITAL COMPANY
|
1
|
5.50%
|
$1,542
|
Prosperity Home Mortgage, LLC
|
1
|
6.49%
|
$10,204
|
MICHIGAN MUTUAL, INC.
|
1
|
5.50%
|
$694
|
Great Southern Bank
|
1
|
5.25%
|
$6,690
|
Goldwater Bank, N.A.
|
1
|
7.63%
|
$42,461
|
Cornerstone First Mortgage, Inc
|
1
|
7.25%
|
$3,752
|
SeaTrust Mortgage Company
|
1
|
6.50%
|
$4,682
|
Gateway First Bank
|
1
|
6.75%
|
$3,440
|
Century Mortgage Company DBA Century Lending Company
|
1
|
5.25%
|
$6,175
|
Servion, Inc.
|
1
|
5.75%
|
$6,052
|
Bell Bank
|
1
|
6.25%
|
$12,540
|
Firstar Bank
|
1
|
5.75%
|
$8,844
|
SIRVA MORTGAGE, INC.
|
1
|
7.00%
|
$4,273
|
SOUTHWEST FUNDING, LP
|
1
|
7.75%
|
$8,414
|
VERITAS FUNDING, LLC
|
1
|
5.88%
|
$13,461
|
Stride Bank
|
1
|
6.50%
|
$9,130
|
CMG MORTGAGE, INC.
|
1
|
6.00%
|
$12,488
|
Sunflower Bank
|
1
|
6.49%
|
$13,955
|
Evolve Bank & Trust
|
1
|
7.13%
|
$1,751
|
EVERETT FINANCIAL, INC.
|
1
|
6.63%
|
$229
|
ENDEAVOR CAPITAL, LLC.
|
1
|
6.75%
|
$10,308
|
DAS Acquisition Company, LLC
|
1
|
6.25%
|
$6,029
|
The Central Trust Bank
|
1
|
5.25%
|
$3,991
|
AMERICAN PORTFOLIO MORTGAGE CORPORATION
|
1
|
5.63%
|
$17,531
|
The Loan Store, Inc.
|
1
|
5.63%
|
$5,971
|
THE MORTGAGE LINK, INC.
|
1
|
5.75%
|
$32,000
|
TJC Mortgage, Inc.
|
1
|
5.75%
|
$5,375
|
TOP FLITE FINANCIAL, INC.
|
1
|
7.13%
|
$240
|
Ameris Bank
|
1
|
6.25%
|
$2,935
|
NORWICH COMMERCIAL GROUP, INC.
|
1
|
5.25%
|
$7,930
|
PHH Mortgage Corporation
|
1
|
4.99%
|
$5,452
|
Nations Lending Corporation
|
1
|
6.75%
|
$4,178
|
TOWNE MORTGAGE COMPANY
|
1
|
6.25%
|
$8,187
|
Pinnacle Bank
|
1
|
6.25%
|
$3,071
|
Plains Commerce Bank
|
1
|
5.00%
|
$7,235
|
The top Little Rock VA lender as defined by loan originations is Mortgage Research Center, LLC, with
347 VA loans originated. Their average total fees are
$4,810, which is $2,117
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Little Rock VA lenders (with over 10 loans originated) are
MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,331), BANK OF LITTLE ROCK MORTGAGE CORPORATION ($3,505), Arvest Bank ($3,676), ENCORE BANK ($4,155) and GUARANTEED RATE, INC. ($4,671).
The lowest rate Little Rock VA lenders (with over 10 loans originated) are
CLEARPATH LENDING (5.67%), PENNYMAC LOAN SERVICES, LLC (5.73%), LOANDEPOT.COM, LLC (5.79%), VILLAGE CAPITAL MORTGAGE (5.79%) and UNITED WHOLESALE MORTGAGE, LLC (5.83%).
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.