A nationwide mortgage team focused on VA lending
About PBT Bancorp
PBT Bancorp is an FDIC member bank with a nationwide mortgage team that focuses heavily on VA loans. Because we can use our bank programs and compare options from more than 35 wholesale lenders, we have more ways to help Veterans buy, build, or refinance a home.
- FDIC member bank
- Bank and wholesale loan options
- Licensed in all 50 states
- PBT Bancorp NMLS #257781
Speak with a VA loan specialist about your loan options.
Send your name, email, and phone. A VA loan specialist will call you back and point you in the right direction. No credit pull.
What should we help you check?
Thanks. We will call you back shortly.
Prefer not to wait? Call 800-697-4371 or text us at (800) 697-4371.
What does PBT Bancorp do?
We help Veterans buy a home, build a new home, or refinance the mortgage they already have. Our team works nationwide by phone, email, and secure online tools, so you can work directly with us whether or not you live near a bank branch.
Most of our work is centered on VA loans. We handle VA purchase loans, cash-out loans, high-balance financing, manufactured homes, and one-time close construction loans. The VA Interest Rate Reduction Refinance Loan (IRRRL), often called a streamline refinance, is available for eligible homeowners who already have a VA mortgage. We can also compare other mortgage programs when a VA loan is not the best fit for the home or borrower.
Why do bank and wholesale loan options matter?
Many banks can only offer their own loan programs, while we can use PBT Bancorp’s bank programs and compare options from more than 35 wholesale lenders. That can give us another way to help when someone has a lower credit score, wants to build a home, is buying a manufactured home, or needs a larger VA loan.
Having more choices does not mean every loan will be approved or that one lender will always have the lowest rate. We show you which programs fit your finances and the property. You will see the payment, closing costs, cash needed, and remaining requirements before choosing an option.
Which VA loans does PBT Bancorp offer?
Veterans call us at different stages of homeownership, from buying their first home to building on land they already own or refinancing a mortgage that no longer fits.
VA purchase loans
Eligible buyers with full entitlement can purchase a qualifying primary home with $0 down and no monthly mortgage insurance when the income, monthly debts, credit, property, and appraisal support approval. Our team pulls the COE and confirms the entitlement for the loan.
VA IRRRL streamline refinance
If you already have a VA loan, an eligible VA IRRRL can lower the rate and payment without an appraisal, income verification, or asset verification. The comparison shows the current loan beside the new payment, costs, balance, and time needed to recover the expense.
VA cash-out refinance
Cash-out refinancing can replace the current mortgage and use available equity. Before recommending it, we compare the new payment, loan balance, closing costs, and cash available.
VA construction loans
We can combine an approved land purchase, construction costs, and the permanent VA mortgage in one closing. We review your finances along with the builder, plans, budget, and property before approving the project.
What can you expect from the PBT Bancorp mortgage team?
A VA specialist stays involved from the first conversation through closing, which means you know who to call when you have a question or something changes.
- We pull your Certificate of Eligibility (COE) and explain how much entitlement is available
- We review your income, monthly debts, credit, available funds, and the home you want to buy or refinance
- We show you which programs fit and explain the rate, monthly payment, closing costs, and cash needed
- We tell you what documents are needed and keep you updated as the loan moves through underwriting
- We go over the final numbers with you before closing
Talk with the people who will handle the mortgage
Want to ask a question before you apply?
Not every mortgage question requires a full application. This conversation is for the purchase, refinance, or construction details you want to understand before deciding what to do next.
What credit score options are available?
The VA does not set a minimum credit score, and each lender or loan program can set its own requirements. At PBT Bancorp, we have the ability to go as low as 500 on cash-out and purchase loans, and our VA IRRRL program has a No Minimum Credit Score option.
We do not make the decision from the score alone. Payment history, income when required, monthly debts, residual income, entitlement, the property, and the loan program can all affect approval.
Which VA loan resource should you read next?
The right next guide depends on whether you are buying, refinancing, building, or ready to talk with our team.
VA home loans
See how a VA purchase loan works, what we review, and what we can confirm before you make an offer.
VA refinance options
The refinance review separates a VA IRRRL from a VA cash-out refinance and shows the different costs, documents, appraisal, and equity rules.
VA construction loans
See how one-time close financing can combine an approved land purchase, construction costs, and the permanent VA mortgage.
Contact PBT Bancorp
Call, email, or request a callback when you want us to review what you are trying to do and explain the next step.
Questions about PBT Bancorp
Is PBT Bancorp a bank or a mortgage broker?
PBT Bancorp is an FDIC member bank and a wholesale broker, which means we can use eligible PBT bank programs or compare your loan with options available through more than 35 wholesale lenders.
Does PBT Bancorp lend in all 50 states?
PBT Bancorp is licensed in all 50 states, and once we know whether you want to buy, build, or refinance, we can explain which programs we can review for you.
Does PBT Bancorp only offer VA loans?
VA loans are our main focus, but we also have access to other mortgage programs when your finances or the property do not fit a VA loan. We show you which programs apply and explain the payment, costs, cash needed, and mortgage insurance before you decide which loan to use.
What credit score does PBT Bancorp require for a VA loan?
Our current VA purchase and cash-out programs can go as low as 500, while our VA IRRRL program has a No Minimum Credit Score option. We still review the complete loan because the score is only one part of the approval decision.
How quickly can PBT Bancorp close a VA loan?
Once the application and required documents are complete, a VA loan can often close in 2 to 3 weeks. The actual date still depends on the appraisal when one is needed, title documents, insurance, remaining underwriting conditions, and how quickly we receive anything else required for approval.
How should I compare PBT Bancorp with another VA lender?
We first put the written Loan Estimates on the same loan amount, term, lock period, and points. Once the assumptions match, we show you how the rate, annual percentage rate, lender credits, total fees, cash needed, and monthly payment compare.
Will contacting PBT Bancorp obligate me to apply?
You can ask questions and talk through the loan without completing an application or committing to move forward. If you decide to continue, we will explain the secure application and the documents needed for your loan.
Talk with our VA mortgage team
Call 800-697-4371 or request a callback, and we will answer your questions, explain which information we need, and compare the loan options that fit what you are trying to do.
Last reviewed July 30, 2026.