Pine Bluff VA Loan Rates, Closing Costs & Stats

PINE BLUFF, AR

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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.

    Pine Bluff's 33 lenders originated 103 VA loans during 2024. The total origination value was $22,985,000, with an average VA loan value of $223,155.

    Pine Bluff VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pine Bluff averaged 0.8% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Pine Bluff's average VA mortgage closing costs are $4,379.

    The average rate for the prior week (2025-06-27) was 7.03% and one month ago for the week of 2025-05-30, the average rate was 7.06%.

    The average rate one year ago was 6.97%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.36%.

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

    Pine Bluff 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 Pine Bluff level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 20 6.38% $3,357
    MORTGAGE FINANCIAL SERVICES, LLC 13 6.84% $7,213
    QUICKEN LOANS, LLC 10 6.08% $8,461
    GUARANTEED RATE, INC. 5 7.00% $4,443
    NEW DAY FINANCIAL, LLC 4 6.71% $4,518
    Barrington Bank & Trust Company, N.A. 4 6.00% $3,803
    PENNYMAC LOAN SERVICES, LLC 4 6.25% $4,588
    UNITED WHOLESALE MORTGAGE, LLC 4 5.87% $11,371
    NEWREZ LLC 3 5.92% $6,713
    Simmons Bank 2 6.63% $845
    FREEDOM MORTGAGE CORPORATION 2 6.19% $8,124
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.00% $4,043
    LOANPAL, LLC 1 5.63% $12,172
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.75% $5,472
    NAVY FEDERAL CREDIT UNION 1 5.88% $4,140
    North American Savings Bank, F.S.B. 1 5.63% $5,036
    PINE BLUFF COTTON BELT Federal Credit Union 1 6.38% $2,737
    PLAZA HOME MORTGAGE, INC. 1 6.25% $6,500
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.13% $694
    USAA Federal Savings Bank 1 6.25% $11,448
    ARKANSAS Federal Credit Union 1 6.50% $6,089
    VILLAGE CAPITAL MORTGAGE 1 4.99% $4,411
    Bank of America 1 5.00% $5,778
    BANK OF LITTLE ROCK MORTGAGE CORPORATION 1 6.75% $7,107
    CLEARPATH LENDING 1 5.25% $2,689
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $2,198
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.75% $12,045
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.50% $820
    First Community Bank 1 6.25% $4,618
    First Security Bank 1 6.00% $755
    HOMESIDE FINANCIAL, LLC 1 5.99% $11,336
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $4,669
    LOANDEPOT.COM, LLC 1 7.63% $6,007

    The top Pine Bluff VA lender as defined by loan originations is Mortgage Research Center, LLC, with 20 VA loans originated. Their average total fees are $3,357, which is $3,857 lower than the next largest lender, MORTGAGE FINANCIAL SERVICES, LLC.

    The lowest fee Pine Bluff VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($3,357), MORTGAGE FINANCIAL SERVICES, LLC ($7,213), QUICKEN LOANS, LLC ($8,461), .

    The lowest rate Pine Bluff VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.08%), Mortgage Research Center, LLC (6.38%), MORTGAGE FINANCIAL SERVICES, LLC (6.84%), .

    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.