Poplar Bluff VA Loan Rates, Closing Costs & Stats

Poplar Bluff, MO

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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.

    Poplar Bluff's 20 lenders originated 80 VA loans during 2023. The total origination value was $16,080,000, with an average VA loan value of $201,000.

    Poplar Bluff VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Poplar Bluff averaged 6.75% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Poplar Bluff's average VA mortgage closing costs are $3,442.

    The average rate for the prior week (2025-02-07) was 6.58% and one month ago for the week of 2025-01-10, the average rate was 6.92%.

    The average rate one year ago was 6.64%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

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

    Poplar 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 Poplar Bluff level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 25 6.82% $3,186
    DAS Acquisition Company, LLC 16 6.97% $1,756
    FLAT BRANCH MORTGAGE, INC. 8 6.98% $3,423
    NAVY FEDERAL CREDIT UNION 3 6.33% $4,625
    Flanagan State Bank 3 6.50% $789
    VILLAGE CAPITAL MORTGAGE 2 6.50% $9,143
    NEWREZ LLC 2 6.75% $2,674
    PENNYMAC LOAN SERVICES, LLC 2 6.13% $2,976
    QUICKEN LOANS, LLC 2 5.24% $10,002
    The Central Trust Bank 2 6.94% $3,651
    USAA Federal Savings Bank 2 5.75% $7,507
    Bank of England 2 6.69% $10,174
    CROSSCOUNTRY MORTGAGE, LLC 1 7.50% $8,151
    NEW DAY FINANCIAL, LLC 1 7.99% $9,436
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $10,961
    Magnolia Bank 1 6.25% $2,805
    Members Mortgage Services, L.L.C. 1 7.25% $2,238
    Mid-Continent Funding, Inc. 1 6.13% $14,190
    GUARANTEED RATE, INC. 1 6.75% $575
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $0

    The top Poplar Bluff VA lender as defined by loan originations is Mortgage Research Center, LLC, with 25 VA loans originated. Their average total fees are $3,186, which is $1,430 higher than the next largest lender, DAS Acquisition Company, LLC.

    The lowest fee Poplar Bluff VA lenders (with over 10 loans originated) are DAS Acquisition Company, LLC ($1,756), Mortgage Research Center, LLC ($3,186), .

    The lowest rate Poplar Bluff VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.82%), DAS Acquisition Company, LLC (6.97%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Poplar 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 $126,425 (15.0%) $154,760 (5.6%) 0.00 238
    2018-02-01 $120,425 (12.9%) $149,863 (4.9%) 0.00 279
    2018-03-01 $120,950 (21.1%) $149,282 (8.4%) 0.00 288
    2018-04-01 $127,850 (28.0%) $154,714 (13.6%) 0.00 291
    2018-05-01 $129,900 (24.6%) $155,068 (20.0%) 0.00 284
    2018-06-01 $127,700 (9.7%) $152,006 (6.1%) 0.00 308
    2018-07-01 $119,850 (1.1%) $149,358 (1.6%) 0.00 311
    2018-08-01 $119,800 (1.2%) $149,408 (0.4%) 0.00 304
    2018-09-01 $119,900 (0.8%) $150,406 (-0.3%) 0.00 296
    2018-10-01 $119,850 (-1.4%) $155,777 (0.5%) 0.00 297
    2018-11-01 $119,150 (-7.9%) $160,748 (0.6%) 0.00 285
    2018-12-01 $118,500 (-8.8%) $164,018 (2.7%) 0.00 272
    2019-01-01 $119,900 (-5.2%) $161,339 (4.3%) 0.00 259
    2019-02-01 $122,200 (1.5%) $157,373 (5.0%) 0.00 268
    2019-03-01 $125,121 (3.5%) $153,880 (3.1%) 0.00 263
    2019-04-01 $126,425 (-1.1%) $154,278 (-0.3%) 0.00 254
    2019-05-01 $123,850 (-4.7%) $152,512 (-1.7%) 0.00 244
    2019-06-01 $128,375 (0.5%) $150,861 (-0.8%) 0.00 254
    2019-07-01 $124,900 (4.2%) $149,146 (-0.1%) 0.00 252
    2019-08-01 $128,091 (6.9%) $150,545 (0.8%) 0.00 241
    2019-09-01 $128,602 (7.3%) $151,858 (1.0%) 0.00 228
    2019-10-01 $129,000 (7.6%) $152,570 (-2.1%) 0.00 220
    2019-11-01 $129,900 (9.0%) $150,144 (-6.6%) 0.00 218
    2019-12-01 $126,725 (6.9%) $144,472 (-11.9%) 0.00 201
    2020-01-01 $128,450 (7.1%) $143,257 (-11.2%) 0.00 191
    2020-02-01 $129,900 (6.3%) $141,776 (-9.9%) 0.00 180
    2020-03-01 $129,600 (3.6%) $145,656 (-5.3%) 0.00 193
    2020-04-01 $123,650 (-2.2%) $140,868 (-8.7%) 0.00 192
    2020-05-01 $119,900 (-3.2%) $146,008 (-4.3%) 0.00 167
    2020-06-01 $123,025 (-4.2%) $152,468 (1.1%) 0.00 151
    2020-07-01 $123,625 (-1.0%) $157,152 (5.4%) 0.00 140
    2020-08-01 $129,000 (0.7%) $156,712 (4.1%) 0.00 130
    2020-09-01 $122,400 (-4.8%) $150,709 (-0.8%) 0.00 129
    2020-10-01 $119,500 (-7.4%) $148,337 (-2.8%) 0.00 122
    2020-11-01 $102,300 (-21.3%) $138,190 (-8.0%) 0.00 124
    2020-12-01 $96,900 (-23.5%) $135,242 (-6.4%) 0.00 120
    2021-01-01 $99,900 (-22.2%) $147,973 (3.3%) 0.00 95
    2021-02-01 $99,800 (-23.2%) $171,640 (21.1%) 0.00 87
    2021-03-01 $96,950 (-25.2%) $188,630 (29.5%) 0.00 85
    2021-04-01 $106,250 (-14.1%) $212,485 (50.8%) 0.00 74
    2021-05-01 $116,400 (-2.9%) $240,026 (64.4%) 0.00 58
    2021-06-01 $114,375 (-7.0%) $233,885 (53.4%) 0.00 60
    2021-07-01 $109,900 (-11.1%) $225,497 (43.5%) 0.00 76
    2021-08-01 $123,800 (-4.0%) $206,741 (31.9%) 0.00 79
    2021-09-01 $131,036 (7.1%) $197,717 (31.2%) 0.00 85
    2021-10-01 $124,950 (4.6%) $204,799 (38.1%) 0.00 82
    2021-11-01 $129,900 (27.0%) $194,243 (40.6%) 0.00 94
    2021-12-01 $129,600 (33.8%) $190,417 (40.8%) 0.00 96
    2022-01-01 $119,900 (20.0%) $180,433 (21.9%) 0.00 90
    2022-02-01 $127,950 (28.2%) $189,945 (10.7%) 0.00 73
    2022-03-01 $127,250 (31.3%) $198,149 (5.1%) 0.00 61
    2022-04-01 $129,900 (22.3%) $194,097 (-8.7%) 0.00 50
    2022-05-01 $145,200 (24.7%) $200,523 (-16.5%) 0.00 73
    2022-06-01 $150,500 (31.6%) $198,102 (-15.3%) 0.00 73
    2022-07-01 $157,500 (43.3%) $200,779 (-11.0%) 0.00 77
    2022-08-01 $169,900 (37.2%) $199,866 (-3.3%) 0.00 90
    2022-09-01 $172,300 (31.5%) $211,137 (6.8%) 0.00 97
    2022-10-01 $169,900 (36.0%) $208,026 (1.6%) 0.00 106
    2022-11-01 $179,225 (38.0%) $211,295 (8.8%) 0.00 101
    2022-12-01 $179,000 (38.1%) $208,826 (9.7%) 0.00 97
    2023-01-01 $181,750 (51.6%) $227,703 (26.2%) 0.00 93
    2023-02-01 $178,900 (39.8%) $217,789 (14.7%) 0.00 79
    2023-03-01 $175,175 (37.7%) $216,092 (9.1%) 0.00 83
    2023-04-01 $176,950 (36.2%) $216,655 (11.6%) 0.00 84
    2023-05-01 $174,800 (20.4%) $222,701 (11.1%) 0.00 90
    2023-06-01 $165,000 (9.6%) $218,022 (10.1%) 0.00 103
    2023-07-01 $162,250 (3.0%) $211,746 (5.5%) 0.00 111
    2023-08-01 $164,700 (-3.1%) $206,697 (3.4%) 0.00 106
    2023-09-01 $159,950 (-7.2%) $206,330 (-2.3%) 0.00 106
    2023-10-01 $176,700 (4.0%) $232,785 (11.9%) 0.00 121
    2023-11-01 $171,725 (-4.2%) $219,557 (3.9%) 0.00 124
    2023-12-01 $154,900 (-13.5%) $210,080 (0.6%) 0.00 147
    2024-01-01 $178,500 (-1.8%) $212,710 (-6.6%) 0.00 147
    2024-02-01 $179,975 (0.6%) $222,260 (2.1%) 0.00 138
    2024-03-01 $179,900 (2.7%) $218,116 (0.9%) 0.00 135
    2024-04-01 $189,900 (7.3%) $222,597 (2.7%) 0.00 129
    2024-05-01 $179,975 (3.0%) $209,880 (-5.8%) 0.00 138
    2024-06-01 $188,900 (14.5%) $214,540 (-1.6%) 0.00 131
    2024-07-01 $182,400 (12.4%) $215,204 (1.6%) 0.00 139
    2024-08-01 $187,400 (13.8%) $215,550 (4.3%) 0.00 137
    2024-09-01 $179,950 (12.5%) $218,174 (5.7%) 0.00 143
    2024-10-01 $179,975 (1.9%) $226,460 (-2.7%) 0.00 148
    2024-11-01 $189,900 (10.6%) $224,448 (2.2%) 0.00 154
    2024-12-01 $195,975 (26.5%) $226,480 (7.8%) 0.00 148
    2025-01-01 $199,900 (12.0%) $237,291 (11.6%) 0.00 135
    Poplar Bluff's median listing price for 2025-01-01 was $199,900, a difference of $21,400 (12.0%) versus the prior year and $3,925 versus the prior month.

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

    Poplar Bluff's average listing price for 2025-01-01 was $237,291, a difference of $24,581 (11.6%) versus the prior year and $10,811 versus the prior month.

    For the 2025-01-01 period, Poplar Bluff had 135 MLS listings, a difference of -13 listings (-9%) versus the prior month and -12 listings (-8%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Poplar 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 1,698 sqft
    2018-02-01 0 days 1,692 sqft
    2018-03-01 0 days 1,689 sqft
    2018-04-01 0 days 1,689 sqft
    2018-05-01 0 days 1,698 sqft
    2018-06-01 0 days 1,689 sqft
    2018-07-01 0 days 1,668 sqft
    2018-08-01 0 days 1,669 sqft
    2018-09-01 0 days 1,659 sqft
    2018-10-01 0 days 1,662 sqft
    2018-11-01 0 days 1,667 sqft
    2018-12-01 0 days 1,685 sqft
    2019-01-01 0 days 1,683 sqft
    2019-02-01 0 days 1,630 sqft
    2019-03-01 0 days 1,611 sqft
    2019-04-01 0 days 1,607 sqft
    2019-05-01 0 days 1,616 sqft
    2019-06-01 0 days 1,620 sqft
    2019-07-01 0 days 1,604 sqft
    2019-08-01 0 days 1,609 sqft
    2019-09-01 0 days 1,616 sqft
    2019-10-01 0 days 1,612 sqft
    2019-11-01 0 days 1,580 sqft
    2019-12-01 0 days 1,598 sqft
    2020-01-01 0 days 1,605 sqft
    2020-02-01 0 days 1,608 sqft
    2020-03-01 0 days 1,616 sqft
    2020-04-01 0 days 1,591 sqft
    2020-05-01 0 days 1,582 sqft
    2020-06-01 0 days 1,606 sqft
    2020-07-01 0 days 1,667 sqft
    2020-08-01 0 days 1,638 sqft
    2020-09-01 0 days 1,545 sqft
    2020-10-01 0 days 1,594 sqft
    2020-11-01 0 days 1,529 sqft
    2020-12-01 0 days 1,425 sqft
    2021-01-01 0 days 1,427 sqft
    2021-02-01 0 days 1,395 sqft
    2021-03-01 0 days 1,341 sqft
    2021-04-01 0 days 1,349 sqft
    2021-05-01 0 days 1,383 sqft
    2021-06-01 0 days 1,431 sqft
    2021-07-01 0 days 1,396 sqft
    2021-08-01 0 days 1,415 sqft
    2021-09-01 0 days 1,530 sqft
    2021-10-01 0 days 1,535 sqft
    2021-11-01 0 days 1,506 sqft
    2021-12-01 0 days 1,530 sqft
    2022-01-01 0 days 1,487 sqft
    2022-02-01 0 days 1,558 sqft
    2022-03-01 0 days 1,505 sqft
    2022-04-01 0 days 1,563 sqft
    2022-05-01 0 days 1,624 sqft
    2022-06-01 0 days 1,675 sqft
    2022-07-01 0 days 1,638 sqft
    2022-08-01 0 days 1,748 sqft
    2022-09-01 0 days 1,716 sqft
    2022-10-01 0 days 1,619 sqft
    2022-11-01 0 days 1,610 sqft
    2022-12-01 0 days 1,610 sqft
    2023-01-01 0 days 1,630 sqft
    2023-02-01 0 days 1,563 sqft
    2023-03-01 0 days 1,530 sqft
    2023-04-01 0 days 1,600 sqft
    2023-05-01 0 days 1,574 sqft
    2023-06-01 0 days 1,544 sqft
    2023-07-01 0 days 1,524 sqft
    2023-08-01 0 days 1,542 sqft
    2023-09-01 0 days 1,507 sqft
    2023-10-01 0 days 1,673 sqft
    2023-11-01 0 days 1,586 sqft
    2023-12-01 0 days 1,529 sqft
    2024-01-01 0 days 1,557 sqft
    2024-02-01 0 days 1,609 sqft
    2024-03-01 0 days 1,674 sqft
    2024-04-01 0 days 1,654 sqft
    2024-05-01 0 days 1,571 sqft
    2024-06-01 0 days 1,584 sqft
    2024-07-01 0 days 1,668 sqft
    2024-08-01 0 days 1,577 sqft
    2024-09-01 0 days 1,565 sqft
    2024-10-01 0 days 1,683 sqft
    2024-11-01 0 days 1,683 sqft
    2024-12-01 0 days 1,706 sqft
    2025-01-01 0 days 1,646 sqft
    Poplar Bluff's median listing age (time on market) for 2025-01-01 was 0 days.

    Poplar Bluff's median square footage for active listings during the 2025-01-01 period was 1,646 sqft. One year prior, the average listing was 1,557 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.