PINE BLUFF Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Pine Bluff averaged
6.84%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
6.79% and
one month ago for the week of 2025-06-05, the
average rate was 7.27%.
Pine Bluff's average rate one year ago was 7.27%.
For refis of the same type during the week of 2025-07-10, the average rate
was 6.92%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| Pine Bluff 30 Year Fixed Rate | 2025-07-10 | 6.84% |
| Pine Bluff 30 Year Fixed Rate Refi | 2025-07-10 | 6.92% |
| Pine Bluff 15 Year Fixed Rate | 2025-07-10 | 5.66% |
| Pine Bluff 15 Year Fixed Rate Refi | 2025-07-10 | 6.46% |
| Pine Bluff 30 Year FHA | 2025-07-10 | 6.65% |
| Pine Bluff 30 Year FHA Refi | 2025-07-10 | 6.52% |
| Pine Bluff 30 Year USDA | 2025-07-10 | 6.65% |
| Pine Bluff 30 Year USDA Refi | 2025-07-10 | 6.55% |
| Pine Bluff 30 Year VA | 2025-07-10 | 6.57% |
| Pine Bluff 30 Year VA Refi | 2025-07-10 | 6.47% |
PINE BLUFF Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the PINE BLUFF, AR market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
PINE BLUFF Average Closing Costs & Other Stats
PINE BLUFF, AR's 44 lenders originated 882
loans during 2024. The total origination value was $115,580,000, with an average loan value of
$131,043.
PINE BLUFF's average closing costs are $4,780.
The top PINE BLUFF lender as defined by loan originations is MORTGAGE FINANCIAL SERVICES, LLC, with
31 loans originated. Their average total fees are
$4,848, which is $1,729
higher than the next largest lender,
Simmons Bank.
The lowest fee PINE BLUFF lenders (with over 10 loans originated) are
PINE BLUFF COTTON BELT Federal Credit Union ($3,058), Simmons Bank ($3,119), MORTGAGE FINANCIAL SERVICES, LLC ($4,848), QUICKEN LOANS, LLC ($5,837) and .
The lowest rate PINE BLUFF lenders (with over 10 loans originated) are
PINE BLUFF COTTON BELT Federal Credit Union (6.72%), MORTGAGE FINANCIAL SERVICES, LLC (7.04%), QUICKEN LOANS, LLC (7.08%), Simmons Bank (7.15%) and .
PINE BLUFF, AR Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| MORTGAGE FINANCIAL SERVICES, LLC | $11,525,000 | $14,620,000 | 26.9% | 12.6% |
| QUICKEN LOANS, LLC | $7,135,000 | $8,130,000 | 13.9% | 7.0% |
| Simmons Bank | $13,695,000 | $6,965,000 | -49.1% | 6.0% |
| PINE BLUFF COTTON BELT Federal Credit Union | $7,240,000 | $5,590,000 | -22.8% | 4.8% |
| 21ST MORTGAGE CORPORATION | $4,500,000 | $4,675,000 | 3.9% | 4.0% |
| Mortgage Research Center, LLC | $4,760,000 | $4,665,000 | -2.0% | 4.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,685,000 | n/a | 3.2% | |
| Relyance Bank | $7,030,000 | $3,425,000 | -51.3% | 3.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,040,000 | $3,090,000 | -23.5% | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | $310,000 | $3,000,000 | 867.7% | 2.6% |
| FBT Bank & Mortgage | $3,500,000 | $2,945,000 | -15.9% | 2.5% |
| Gateway Bank | $8,000,000 | $2,450,000 | -69.4% | 2.1% |
| GUARANTEED RATE, INC. | $3,670,000 | $2,315,000 | -36.9% | 2.0% |
| BANK OF STAR CITY | $2,045,000 | $2,205,000 | 7.8% | 1.9% |
| Stone Bank | $1,465,000 | $2,075,000 | 41.6% | 1.8% |
| ARKANSAS Federal Credit Union | $1,000,000 | $1,610,000 | 61.0% | 1.4% |
| NEWREZ LLC | $830,000 | $1,485,000 | 78.9% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,085,000 | $1,440,000 | 32.7% | 1.2% |
| PILGRIM MORTGAGE LLC | $1,550,000 | $1,305,000 | -15.8% | 1.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $1,270,000 | n/a | 1.1% | |
| LOANDEPOT.COM, LLC | $1,285,000 | $1,235,000 | -3.9% | 1.1% |
| First Community Bank | $435,000 | $1,200,000 | 175.9% | 1.0% |
| Arvest Bank | $3,780,000 | $1,165,000 | -69.2% | 1.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $775,000 | $1,150,000 | 48.4% | 1.0% |
| Bank of America | $700,000 | $1,100,000 | 57.1% | 1.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $910,000 | $1,080,000 | 18.7% | 0.9% |
| TRIAD FINANCIAL SERVICES, INC. | $1,280,000 | $1,045,000 | -18.4% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $730,000 | $1,015,000 | 39.0% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $980,000 | n/a | 0.8% | |
| NEW DAY FINANCIAL, LLC | $1,555,000 | $960,000 | -38.3% | 0.8% |
| FLAT BRANCH MORTGAGE, INC. | $1,055,000 | $930,000 | -11.8% | 0.8% |
| Centennial Bank | $1,400,000 | $890,000 | -36.4% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $575,000 | $845,000 | 47.0% | 0.7% |
| Barrington Bank & Trust Company, N.A. | $645,000 | $830,000 | 28.7% | 0.7% |
| VILLAGE CAPITAL MORTGAGE | $415,000 | $805,000 | 94.0% | 0.7% |
| American Mortgage & Equity Consultants, Inc. | $780,000 | n/a | 0.7% | |
| MOVEMENT MORTGAGE, LLC | $740,000 | n/a | 0.6% | |
| BROKER SOLUTIONS, INC. | $410,000 | $715,000 | 74.4% | 0.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $795,000 | $695,000 | -12.6% | 0.6% |
| EVERETT FINANCIAL, INC. | $4,720,000 | $660,000 | -86.0% | 0.6% |
| Wells Fargo Bank | $1,385,000 | $615,000 | -55.6% | 0.5% |
| U.S. Bank | $895,000 | $550,000 | -38.5% | 0.5% |
| BancorpSouth | $90,000 | $545,000 | 505.6% | 0.5% |
| AMERITRUST MORTGAGE CORPORATION | $500,000 | n/a | 0.4% | |
| AMERISAVE MORTGAGE CORPORATION | $320,000 | $465,000 | 45.3% | 0.4% |
| PLANET HOME LENDING, LLC | $265,000 | $465,000 | 75.5% | 0.4% |
| PENTAGON FEDERAL CREDIT UNION | $195,000 | $455,000 | 133.3% | 0.4% |
| ENCORE BANK | $315,000 | $435,000 | 38.1% | 0.4% |
| Bank of England | $620,000 | $425,000 | -31.5% | 0.4% |
| AgHeritage Farm Credit Services FLCA | $620,000 | $385,000 | -37.9% | 0.3% |
| Eagle Bank and Trust Company | $410,000 | $365,000 | -11.0% | 0.3% |
| Carrington Mortgage Services, LLC | $95,000 | $360,000 | 278.9% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $400,000 | $360,000 | -10.0% | 0.3% |
| PNC Bank | $360,000 | n/a | 0.3% | |
| JPMorgan Chase Bank | $805,000 | $355,000 | -55.9% | 0.3% |
| North American Savings Bank, F.S.B. | $355,000 | n/a | 0.3% | |
| RELIANCE FIRST CAPITAL, LLC | $215,000 | $355,000 | 65.1% | 0.3% |
| RED RIVER EMPLOYEES | $350,000 | n/a | 0.3% | |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $260,000 | $340,000 | 30.8% | 0.3% |
| NBKC BANK | $335,000 | n/a | 0.3% | |
| GUILD MORTGAGE COMPANY | $420,000 | $330,000 | -21.4% | 0.3% |
| First Security Bank | $55,000 | $295,000 | 436.4% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $340,000 | $280,000 | -17.6% | 0.2% |
| TIB The Independent Bankersbank | $630,000 | $280,000 | -55.6% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $275,000 | n/a | 0.2% | |
| Residential Acceptance Corporation | $275,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $515,000 | $275,000 | -46.6% | 0.2% |
| Flagstar Bank, FSB | $195,000 | $270,000 | 38.5% | 0.2% |
| AmeriHome Mortgage Company, LLC | $265,000 | n/a | 0.2% | |
| UNITED BUILT HOMES, L.L.C. | $265,000 | n/a | 0.2% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $255,000 | n/a | 0.2% | |
| ENDEAVOR CAPITAL, LLC. | $255,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $165,000 | $255,000 | 54.5% | 0.2% |
| COMMUNITY MORTGAGE CORPORATION | $155,000 | $250,000 | 61.3% | 0.2% |
| CSL Financial, LLC | $55,000 | $250,000 | 354.5% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $245,000 | n/a | 0.2% | |
| Regions Bank | $455,000 | $240,000 | -47.3% | 0.2% |
| STOCKTON MORTGAGE CORPORATION | $235,000 | n/a | 0.2% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $410,000 | $230,000 | -43.9% | 0.2% |
| TELCOE FEDERAL CREDIT UNION | $290,000 | $230,000 | -20.7% | 0.2% |
| CANOPY MORTGAGE, LLC | $225,000 | n/a | 0.2% | |
| Quontic Bank | $225,000 | n/a | 0.2% | |
| LOANPAL, LLC | $220,000 | n/a | 0.2% | |
| CLEARPATH LENDING | $215,000 | n/a | 0.2% | |
| DAS Acquisition Company, LLC | $155,000 | $215,000 | 38.7% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $215,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $215,000 | $210,000 | -2.3% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $205,000 | n/a | 0.2% | |
| Renasant Bank | $195,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $125,000 | $185,000 | 48.0% | 0.2% |
| Peoples Bank | $175,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $170,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $165,000 | n/a | 0.1% | |
| Guaranty Bank & Trust, N.A. | $165,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $165,000 | n/a | 0.1% | |
| Discover Bank | $55,000 | $145,000 | 163.6% | 0.1% |
| The Huntington National Bank | $145,000 | n/a | 0.1% | |
| Evolve Bank & Trust | $135,000 | n/a | 0.1% | |
| M&T Bank | $95,000 | $135,000 | 42.1% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $135,000 | n/a | 0.1% | |
| NFM, INC. | $145,000 | $130,000 | -10.3% | 0.1% |
| Coastal Community Bank | $70,000 | $125,000 | 78.6% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $155,000 | $115,000 | -25.8% | 0.1% |
| First Western Bank | $115,000 | n/a | 0.1% | |
| The Farmers & Merchants Bank | $175,000 | $110,000 | -37.1% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $135,000 | $105,000 | -22.2% | 0.1% |
| First Horizon Bank | $105,000 | n/a | 0.1% | |
| Bank OZK | $695,000 | $100,000 | -85.6% | 0.1% |
| Nations Lending Corporation | $95,000 | $100,000 | 5.3% | 0.1% |
| Ally Bank | $95,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $85,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $85,000 | n/a | 0.1% | |
| Figure Lending LLC | $35,000 | $60,000 | 71.4% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $45,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $135,000 | $45,000 | -66.7% | 0.0% |
| BOKF | $35,000 | n/a | 0.0% | |
| FirstTrust Home Loans, Inc. | $6,895,000 | $35,000 | -99.5% | 0.0% |
| Gateway First Bank | $35,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $25,000 | n/a | 0.0% | |
| MERCHANTS & FARMERS BANK | $400,000 | $25,000 | -93.8% | 0.0% |
PINE BLUFF's top lender by overall market share is MORTGAGE FINANCIAL SERVICES, LLC, with 12.6% market share. In second place, with 7.0%, is QUICKEN LOANS, LLC, having originated $8,130,000 in loans. In third place, with 6.0%, is Simmons Bank, having originated $6,965,000 in loans. In fourth place, with 4.8%, is PINE BLUFF COTTON BELT Federal Credit Union, having originated $5,590,000 in loans. In fifth place, with 4.0%, is 21ST MORTGAGE CORPORATION, having originated $4,675,000 in loans.
PINE BLUFF, AR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 545 | $76,205,000 | $139,826 |
| Cash Out Refi | 117 | $14,185,000 | $121,239 |
| Refi | 102 | $17,280,000 | $169,412 |
| Home Improvement | 61 | $3,505,000 | $57,459 |
| Other | 56 | $4,380,000 | $78,214 |
| NA | 1 | $25,000 | $25,000 |
Pine Bluff's most frequently cited loan purpose was Home Purchase, with 545 originations. The 2nd most popular reason was Cash Out Refi, with 117 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 323 | $51,385,000 | $159,087 |
| Over 8% | 185 | $15,515,000 | $83,865 |
| 7-8% | 146 | $20,100,000 | $137,671 |
| 5-6% | 82 | $13,350,000 | $162,805 |
| 4-5% | 5 | $1,075,000 | $215,000 |
| <2.5% | 3 | $115,000 | $38,333 |
| 3-4% | 1 | $275,000 | $275,000 |
During 2024, Pine Bluff's most frequently originated rate bucket was 6-7%, with 323 originations.
Loan Sizing (PINE BLUFF, AR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 400 | $21,690,000 | $54,225 |
| $100k-200k | 310 | $44,350,000 | $143,065 |
| $200k-400k | 159 | $41,885,000 | $263,428 |
| $400k-600k | 11 | $5,335,000 | $485,000 |
| $Over $1MM | 2 | $2,320,000 | $1,160,000 |
PINE BLUFF's loan sizing saw the bucket of loans from $100,000 or less with 400 originations, totaling $21,690,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 416 | $66,400,000 | $159,615 |
| 60-80% | 114 | $15,680,000 | $137,544 |
| Under 20% | 74 | $1,930,000 | $26,081 |
| 20-40% | 53 | $3,485,000 | $65,755 |
| 40-60% | 42 | $4,220,000 | $100,476 |
| Over 100% | 19 | $4,165,000 | $219,211 |
PINE BLUFF's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 416 originations, totaling $66,400,000 in origination value.