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.