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 31 lenders originated 88 VA loans during 2023. The total origination value was $18,840,000, with an average VA loan value of $214,091.

    Pine Bluff VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pine Bluff averaged 6.81% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Pine Bluff's average VA mortgage closing costs are $4,192.

    The average rate for the prior week (2025-02-07) was 6.84% and one month ago for the week of 2025-01-10, the average rate was 6.88%.

    The average rate one year ago was 6.7%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 19 7.04% $2,629
    MORTGAGE FINANCIAL SERVICES, LLC 9 6.75% $5,707
    NEW DAY FINANCIAL, LLC 8 7.75% $8,995
    QUICKEN LOANS, LLC 7 6.26% $7,266
    Simmons Bank 3 7.38% $7,581
    PINE BLUFF COTTON BELT Federal Credit Union 3 6.54% $5,559
    FirstTrust Home Loans, Inc. 3 6.75% $3,587
    GUARANTEED RATE, INC. 2 7.25% $5,756
    Mr. Cooper ( Nationstar Mortgage ) 2 6.19% $8,652
    CROSSCOUNTRY MORTGAGE, LLC 2 7.25% $3,077
    NAVY FEDERAL CREDIT UNION 2 5.56% $1,897
    Barrington Bank & Trust Company, N.A. 2 6.50% $5,268
    PILGRIM MORTGAGE LLC 1 6.50% $1,338
    PLANET HOME LENDING, LLC 1 5.88% $3,091
    SOUTHWEST STAGE FUNDING, LLC 1 5.88% $0
    TIB The Independent Bankersbank 1 6.25% $11,093
    Trustmark National Bank 1 6.25% $6,769
    USAA Federal Savings Bank 1 7.13% $3,960
    Armed Forces Bank 1 6.50% $3,726
    U.S. Bank 1 6.75% $2,991
    CARDINAL FINANCIAL 1 5.63% $5,875
    Community First National Bank 1 5.75% $9,271
    DAS Acquisition Company, LLC 1 6.13% $4,677
    ENCORE BANK 1 6.25% $11,792
    EVERETT FINANCIAL, INC. 1 6.63% $14,488
    FLAT BRANCH MORTGAGE, INC. 1 6.25% $13,966
    GSF Mortgage Corporation 1 6.63% $12,057
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 8.63% $0
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $10,912
    PENNYMAC LOAN SERVICES, LLC 1 5.25% $2,831
    PENTAGON FEDERAL CREDIT UNION 1 6.63% $3,761

    The top Pine Bluff VA lender as defined by loan originations is Mortgage Research Center, LLC, with 19 VA loans originated. Their average total fees are $2,629, which is $3,078 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 ($2,629), .

    The lowest rate Pine Bluff VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (7.04%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pine Bluff (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 $98,000 (2.6%) $114,674 (-6.2%) 0.00 191
    2018-02-01 $95,500 (-2.7%) $113,601 (-8.0%) 0.00 189
    2018-03-01 $85,000 (-14.9%) $104,690 (-17.5%) 0.00 184
    2018-04-01 $91,725 (-7.5%) $114,587 (-8.8%) 0.00 188
    2018-05-01 $95,950 (-0.4%) $118,789 (-2.4%) 0.00 194
    2018-06-01 $99,900 (5.6%) $119,095 (-3.5%) 0.00 200
    2018-07-01 $99,900 (1.1%) $119,491 (-3.9%) 0.00 198
    2018-08-01 $99,800 (7.9%) $118,123 (0.2%) 0.00 208
    2018-09-01 $99,900 (5.2%) $119,629 (1.5%) 0.00 208
    2018-10-01 $97,950 (3.2%) $117,500 (2.7%) 0.00 209
    2018-11-01 $89,925 (-2.2%) $110,305 (-0.8%) 0.00 220
    2018-12-01 $89,950 (-4.8%) $111,917 (-0.3%) 0.00 208
    2019-01-01 $88,000 (-10.2%) $106,007 (-7.6%) 0.00 206
    2019-02-01 $87,725 (-8.1%) $106,767 (-6.0%) 0.00 202
    2019-03-01 $87,071 (2.4%) $108,525 (3.7%) 0.00 207
    2019-04-01 $89,925 (-2.0%) $111,296 (-2.9%) 0.00 210
    2019-05-01 $89,925 (-6.3%) $108,460 (-8.7%) 0.00 196
    2019-06-01 $84,700 (-15.2%) $111,582 (-6.3%) 0.00 190
    2019-07-01 $83,500 (-16.4%) $113,170 (-5.3%) 0.00 189
    2019-08-01 $80,091 (-19.8%) $111,380 (-5.7%) 0.00 201
    2019-09-01 $77,227 (-22.7%) $109,800 (-8.2%) 0.00 219
    2019-10-01 $75,000 (-23.4%) $108,712 (-7.5%) 0.00 235
    2019-11-01 $73,700 (-18.0%) $104,089 (-5.6%) 0.00 242
    2019-12-01 $69,975 (-22.2%) $99,065 (-11.5%) 0.00 228
    2020-01-01 $69,350 (-21.2%) $99,176 (-6.4%) 0.00 214
    2020-02-01 $73,995 (-15.7%) $104,790 (-1.9%) 0.00 207
    2020-03-01 $77,150 (-11.4%) $107,523 (-0.9%) 0.00 201
    2020-04-01 $74,900 (-16.7%) $104,629 (-6.0%) 0.00 193
    2020-05-01 $74,500 (-17.2%) $103,463 (-4.6%) 0.00 175
    2020-06-01 $71,000 (-16.2%) $101,909 (-8.7%) 0.00 151
    2020-07-01 $74,900 (-10.3%) $114,499 (1.2%) 0.00 138
    2020-08-01 $74,250 (-7.3%) $116,371 (4.5%) 0.00 123
    2020-09-01 $83,425 (8.0%) $128,011 (16.6%) 0.00 122
    2020-10-01 $96,500 (28.7%) $123,613 (13.7%) 0.00 124
    2020-11-01 $100,925 (36.9%) $126,025 (21.1%) 0.00 125
    2020-12-01 $102,000 (45.8%) $129,374 (30.6%) 0.00 125
    2021-01-01 $104,000 (50.0%) $132,923 (34.0%) 0.00 97
    2021-02-01 $88,500 (19.6%) $118,165 (12.8%) 0.00 87
    2021-03-01 $101,225 (31.2%) $119,365 (11.0%) 0.00 84
    2021-04-01 $99,950 (33.4%) $118,324 (13.1%) 0.00 78
    2021-05-01 $92,450 (24.1%) $114,340 (10.5%) 0.00 76
    2021-06-01 $93,350 (31.5%) $117,311 (15.1%) 0.00 73
    2021-07-01 $102,450 (36.8%) $130,831 (14.3%) 0.00 87
    2021-08-01 $102,450 (38.0%) $133,128 (14.4%) 0.00 103
    2021-09-01 $102,000 (22.3%) $138,460 (8.2%) 0.00 113
    2021-10-01 $110,000 (14.0%) $142,306 (15.1%) 0.00 129
    2021-11-01 $106,225 (5.3%) $139,521 (10.7%) 0.00 127
    2021-12-01 $109,950 (7.8%) $142,668 (10.3%) 0.00 120
    2022-01-01 $114,950 (10.5%) $151,935 (14.3%) 0.00 100
    2022-02-01 $109,475 (23.7%) $145,969 (23.5%) 0.00 89
    2022-03-01 $122,500 (21.0%) $155,764 (30.5%) 0.00 85
    2022-04-01 $140,000 (40.1%) $165,135 (39.6%) 0.00 90
    2022-05-01 $151,200 (63.6%) $162,054 (41.7%) 0.00 93
    2022-06-01 $137,975 (47.8%) $166,666 (42.1%) 0.00 96
    2022-07-01 $129,900 (26.8%) $165,612 (26.6%) 0.00 107
    2022-08-01 $127,500 (24.5%) $159,676 (19.9%) 0.00 108
    2022-09-01 $135,500 (32.8%) $161,181 (16.4%) 0.00 120
    2022-10-01 $149,900 (36.3%) $176,496 (24.0%) 0.00 116
    2022-11-01 $143,825 (35.4%) $165,843 (18.9%) 0.00 125
    2022-12-01 $137,500 (25.1%) $160,356 (12.4%) 0.00 121
    2023-01-01 $126,000 (9.6%) $155,627 (2.4%) 0.00 111
    2023-02-01 $133,500 (22.0%) $149,453 (2.4%) 0.00 116
    2023-03-01 $127,450 (4.0%) $147,295 (-5.4%) 0.00 133
    2023-04-01 $136,000 (-2.9%) $157,997 (-4.3%) 0.00 138
    2023-05-01 $119,900 (-20.7%) $156,331 (-3.5%) 0.00 135
    2023-06-01 $132,500 (-4.0%) $160,923 (-3.5%) 0.00 144
    2023-07-01 $130,000 (0.1%) $157,306 (-5.0%) 0.00 140
    2023-08-01 $131,225 (2.9%) $174,055 (9.0%) 0.00 154
    2023-09-01 $138,500 (2.2%) $175,794 (9.1%) 0.00 162
    2023-10-01 $137,200 (-8.5%) $176,263 (-0.1%) 0.00 165
    2023-11-01 $135,925 (-5.5%) $175,308 (5.7%) 0.00 159
    2023-12-01 $134,500 (-2.2%) $170,797 (6.5%) 0.00 167
    2024-01-01 $137,450 (9.1%) $176,894 (13.7%) 0.00 158
    2024-02-01 $136,750 (2.4%) $166,089 (11.1%) 0.00 168
    2024-03-01 $135,000 (5.9%) $165,201 (12.2%) 0.00 147
    2024-04-01 $139,375 (2.5%) $166,625 (5.5%) 0.00 138
    2024-05-01 $122,500 (2.2%) $160,194 (2.5%) 0.00 146
    2024-06-01 $120,000 (-9.4%) $157,353 (-2.2%) 0.00 159
    2024-07-01 $135,600 (4.3%) $163,770 (4.1%) 0.00 154
    2024-08-01 $144,650 (10.2%) $171,863 (-1.3%) 0.00 168
    2024-09-01 $141,975 (2.5%) $172,217 (-2.0%) 0.00 180
    2024-10-01 $141,875 (3.4%) $167,056 (-5.2%) 0.00 202
    2024-11-01 $135,000 (-0.7%) $156,992 (-10.5%) 0.00 232
    2024-12-01 $139,000 (3.4%) $154,019 (-9.8%) 0.00 234
    2025-01-01 $132,500 (-3.6%) $150,817 (-14.7%) 0.00 219
    Pine Bluff's median listing price for 2025-01-01 was $132,500, a difference of $-4,950 (-3.6%) versus the prior year and $-6,500 versus the prior month.

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

    Pine Bluff's average listing price for 2025-01-01 was $150,817, a difference of $-26,077 (-14.7%) versus the prior year and $-3,202 versus the prior month.

    For the 2025-01-01 period, Pine Bluff had 219 MLS listings, a difference of -15 listings (-6%) versus the prior month and 61 listings (39%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pine Bluff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,824 sqft
    2018-02-01 0 days 1,804 sqft
    2018-03-01 0 days 1,800 sqft
    2018-04-01 0 days 1,776 sqft
    2018-05-01 0 days 1,788 sqft
    2018-06-01 0 days 1,793 sqft
    2018-07-01 0 days 1,816 sqft
    2018-08-01 0 days 1,831 sqft
    2018-09-01 0 days 1,824 sqft
    2018-10-01 0 days 1,796 sqft
    2018-11-01 0 days 1,768 sqft
    2018-12-01 0 days 1,730 sqft
    2019-01-01 0 days 1,687 sqft
    2019-02-01 0 days 1,681 sqft
    2019-03-01 0 days 1,704 sqft
    2019-04-01 0 days 1,732 sqft
    2019-05-01 0 days 1,722 sqft
    2019-06-01 0 days 1,703 sqft
    2019-07-01 0 days 1,686 sqft
    2019-08-01 0 days 1,660 sqft
    2019-09-01 0 days 1,647 sqft
    2019-10-01 0 days 1,633 sqft
    2019-11-01 0 days 1,582 sqft
    2019-12-01 0 days 1,585 sqft
    2020-01-01 0 days 1,605 sqft
    2020-02-01 0 days 1,578 sqft
    2020-03-01 0 days 1,548 sqft
    2020-04-01 0 days 1,547 sqft
    2020-05-01 0 days 1,542 sqft
    2020-06-01 0 days 1,518 sqft
    2020-07-01 0 days 1,559 sqft
    2020-08-01 0 days 1,572 sqft
    2020-09-01 0 days 1,642 sqft
    2020-10-01 0 days 1,621 sqft
    2020-11-01 0 days 1,695 sqft
    2020-12-01 0 days 1,645 sqft
    2021-01-01 0 days 1,731 sqft
    2021-02-01 0 days 1,629 sqft
    2021-03-01 0 days 1,699 sqft
    2021-04-01 0 days 1,680 sqft
    2021-05-01 0 days 1,603 sqft
    2021-06-01 0 days 1,526 sqft
    2021-07-01 0 days 1,598 sqft
    2021-08-01 0 days 1,734 sqft
    2021-09-01 0 days 1,742 sqft
    2021-10-01 0 days 1,658 sqft
    2021-11-01 0 days 1,639 sqft
    2021-12-01 0 days 1,632 sqft
    2022-01-01 0 days 1,722 sqft
    2022-02-01 0 days 1,620 sqft
    2022-03-01 0 days 1,730 sqft
    2022-04-01 0 days 1,840 sqft
    2022-05-01 0 days 1,877 sqft
    2022-06-01 0 days 1,886 sqft
    2022-07-01 0 days 1,816 sqft
    2022-08-01 0 days 1,809 sqft
    2022-09-01 0 days 1,736 sqft
    2022-10-01 0 days 1,764 sqft
    2022-11-01 0 days 1,694 sqft
    2022-12-01 0 days 1,707 sqft
    2023-01-01 0 days 1,746 sqft
    2023-02-01 0 days 1,616 sqft
    2023-03-01 0 days 1,593 sqft
    2023-04-01 0 days 1,695 sqft
    2023-05-01 0 days 1,579 sqft
    2023-06-01 0 days 1,639 sqft
    2023-07-01 0 days 1,600 sqft
    2023-08-01 0 days 1,667 sqft
    2023-09-01 0 days 1,711 sqft
    2023-10-01 0 days 1,710 sqft
    2023-11-01 0 days 1,699 sqft
    2023-12-01 0 days 1,688 sqft
    2024-01-01 0 days 1,699 sqft
    2024-02-01 0 days 1,690 sqft
    2024-03-01 0 days 1,648 sqft
    2024-04-01 0 days 1,797 sqft
    2024-05-01 0 days 1,665 sqft
    2024-06-01 0 days 1,598 sqft
    2024-07-01 0 days 1,649 sqft
    2024-08-01 0 days 1,653 sqft
    2024-09-01 0 days 1,671 sqft
    2024-10-01 0 days 1,667 sqft
    2024-11-01 0 days 1,612 sqft
    2024-12-01 0 days 1,632 sqft
    2025-01-01 0 days 1,633 sqft
    Pine Bluff's median listing age (time on market) for 2025-01-01 was 0 days.

    Pine Bluff's median square footage for active listings during the 2025-01-01 period was 1,633 sqft. One year prior, the average listing was 1,699 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.