Atchison VA Loan Rates, Closing Costs & Stats

Atchison, KS

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.

Atchison's 11 lenders originated 18 VA loans during 2023. The total origination value was $3,900,000, with an average VA loan value of $216,667.

Atchison VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Atchison averaged 0.03% for the week of 2024-11-29, compared to the national average (all VA variants) of 0% for the same period.

Atchison's average VA mortgage closing costs are $4,699.

The average rate for the prior week (2024-11-22) was 6.6% and one month ago for the week of 2024-10-25, the average rate was 6.59%.

The average rate one year ago was 7.14%.

For refis of the same type during the week of 2024-11-29, the average rate was -0.1%.

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

Atchison 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 Atchison level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 6 6.67% $5,392
ENDEAVOR CAPITAL, LLC. 2 5.88% $7,843
QUICKEN LOANS, LLC 2 5.81% $10,231
LOANDEPOT.COM, LLC 1 6.00% $8,337
Mr. Cooper ( Nationstar Mortgage ) 1 6.75% $5,942
PENTAGON FEDERAL CREDIT UNION 1 5.88% $2,187
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $4,017
Bell Bank 1 6.50% $10,010
United Fidelity Funding Corp. 1 7.63% $5,822
BROKER SOLUTIONS, INC. 1 6.25% $16,501
FREEDOM MORTGAGE CORPORATION 1 6.75% $16,223

The top Atchison VA lender as defined by loan originations is Mortgage Research Center, LLC, with 6 VA loans originated. Their average total fees are $5,392, which is $2,451 lower than the next largest lender, ENDEAVOR CAPITAL, LLC..

The lowest fee Atchison VA lenders (with over 10 loans originated) are .

The lowest rate Atchison VA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Atchison (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 $72,975 (-18.3%) $104,620 (0.0%) 0.00 56
2018-02-01 $78,850 (-23.6%) $109,022 (-2.2%) 0.00 55
2018-03-01 $78,500 (-21.7%) $107,965 (3.3%) 0.00 63
2018-04-01 $85,000 (-14.9%) $120,468 (12.0%) 0.00 68
2018-05-01 $99,963 (0.1%) $132,525 (17.2%) 0.00 62
2018-06-01 $94,000 (-3.3%) $119,080 (1.1%) 0.00 65
2018-07-01 $93,250 (-6.3%) $118,147 (-2.8%) 0.00 70
2018-08-01 $96,250 (1.3%) $129,269 (12.3%) 0.00 67
2018-09-01 $109,500 (15.3%) $135,347 (18.1%) 0.00 58
2018-10-01 $105,750 (27.0%) $132,881 (22.8%) 0.00 56
2018-11-01 $92,970 (20.4%) $133,034 (23.3%) 0.00 53
2018-12-01 $89,400 (22.5%) $138,495 (38.9%) 0.00 46
2019-01-01 $88,750 (21.6%) $139,929 (33.8%) 0.00 42
2019-02-01 $69,700 (-11.6%) $122,153 (12.0%) 0.00 34
2019-03-01 $70,143 (-10.7%) $118,416 (9.7%) 0.00 37
2019-04-01 $76,500 (-10.0%) $118,958 (-1.3%) 0.00 45
2019-05-01 $78,000 (-22.0%) $110,798 (-16.4%) 0.00 51
2019-06-01 $89,900 (-4.4%) $113,514 (-4.7%) 0.00 46
2019-07-01 $92,750 (-0.5%) $135,200 (14.4%) 0.00 38
2019-08-01 $91,818 (-4.6%) $141,387 (9.4%) 0.00 36
2019-09-01 $91,920 (-16.1%) $150,925 (11.5%) 0.00 37
2019-10-01 $87,939 (-16.8%) $156,893 (18.1%) 0.00 35
2019-11-01 $72,000 (-22.6%) $133,133 (0.1%) 0.00 35
2019-12-01 $76,200 (-14.8%) $137,947 (-0.4%) 0.00 36
2020-01-01 $71,375 (-19.6%) $131,631 (-5.9%) 0.00 33
2020-02-01 $86,450 (24.0%) $141,503 (15.8%) 0.00 34
2020-03-01 $75,750 (8.0%) $132,594 (12.0%) 0.00 34
2020-04-01 $83,875 (9.6%) $141,657 (19.1%) 0.00 33
2020-05-01 $119,500 (53.2%) $155,358 (40.2%) 0.00 36
2020-06-01 $124,750 (38.8%) $154,335 (36.0%) 0.00 37
2020-07-01 $118,000 (27.2%) $141,591 (4.7%) 0.00 37
2020-08-01 $117,500 (28.0%) $144,300 (2.1%) 0.00 24
2020-09-01 $127,500 (38.7%) $171,110 (13.4%) 0.00 22
2020-10-01 $117,500 (33.6%) $170,129 (8.4%) 0.00 19
2020-11-01 $114,950 (59.7%) $171,143 (28.6%) 0.00 26
2020-12-01 $114,175 (49.8%) $156,655 (13.6%) 0.00 27
2021-01-01 $101,950 (42.8%) $174,212 (32.4%) 0.00 23
2021-02-01 $100,475 (16.2%) $180,248 (27.4%) 0.00 15
2021-03-01 $103,450 (36.6%) $143,668 (8.4%) 0.00 15
2021-04-01 $91,950 (9.6%) $195,091 (37.7%) 0.00 11
2021-05-01 $122,750 (2.7%) $199,274 (28.3%) 0.00 15
2021-06-01 $140,000 (12.2%) $203,172 (31.6%) 0.00 23
2021-07-01 $135,000 (14.4%) $228,822 (61.6%) 0.00 26
2021-08-01 $126,125 (7.3%) $206,746 (43.3%) 0.00 32
2021-09-01 $128,549 (0.8%) $234,687 (37.2%) 0.00 31
2021-10-01 $119,900 (2.0%) $216,337 (27.2%) 0.00 27
2021-11-01 $107,375 (-6.6%) $201,075 (17.5%) 0.00 25
2021-12-01 $94,450 (-17.3%) $165,833 (5.9%) 0.00 24
2022-01-01 $88,950 (-12.8%) $158,385 (-9.1%) 0.00 21
2022-02-01 $92,500 (-7.9%) $148,875 (-17.4%) 0.00 19
2022-03-01 $97,500 (-5.8%) $169,857 (18.2%) 0.00 17
2022-04-01 $134,950 (46.8%) $151,290 (-22.5%) 0.00 14
2022-05-01 $136,500 (11.2%) $206,120 (3.4%) 0.00 15
2022-06-01 $134,375 (-4.0%) $201,299 (-0.9%) 0.00 17
2022-07-01 $135,000 (0.0%) $194,177 (-15.1%) 0.00 20
2022-08-01 $135,000 (7.0%) $177,341 (-14.2%) 0.00 21
2022-09-01 $123,750 (-3.7%) $190,487 (-18.8%) 0.00 21
2022-10-01 $127,000 (5.9%) $145,143 (-32.9%) 0.00 21
2022-11-01 $125,500 (16.9%) $145,523 (-27.6%) 0.00 25
2022-12-01 $122,450 (29.7%) $147,205 (-11.2%) 0.00 17
2023-01-01 $116,150 (30.6%) $128,920 (-18.6%) 0.00 18
2023-02-01 $110,625 (19.6%) $131,959 (-11.4%) 0.00 15
2023-03-01 $120,000 (23.1%) $132,296 (-22.1%) 0.00 17
2023-04-01 $120,000 (-11.1%) $150,899 (-0.3%) 0.00 16
2023-05-01 $120,000 (-12.1%) $138,887 (-32.6%) 0.00 19
2023-06-01 $129,500 (-3.6%) $159,947 (-20.5%) 0.00 21
2023-07-01 $165,000 (22.2%) $168,648 (-13.2%) 0.00 29
2023-08-01 $165,000 (22.2%) $184,542 (4.1%) 0.00 21
2023-09-01 $165,000 (33.3%) $164,624 (-13.6%) 0.00 34
2023-10-01 $152,100 (19.8%) $167,668 (15.5%) 0.00 39
2023-11-01 $147,750 (17.7%) $172,649 (18.6%) 0.00 38
2023-12-01 $143,375 (17.1%) $171,526 (16.5%) 0.00 30
2024-01-01 $140,638 (21.1%) $164,680 (27.7%) 0.00 26
2024-02-01 $138,938 (25.6%) $157,855 (19.6%) 0.00 24
2024-03-01 $145,000 (20.8%) $171,881 (29.9%) 0.00 24
2024-04-01 $146,875 (22.4%) $196,549 (30.3%) 0.00 24
2024-05-01 $157,125 (30.9%) $213,901 (54.0%) 0.00 29
2024-06-01 $184,500 (42.5%) $232,346 (45.3%) 0.00 28
2024-07-01 $235,625 (42.8%) $247,642 (46.8%) 0.00 35
2024-08-01 $212,450 (28.8%) $224,554 (21.7%) 0.00 41
2024-09-01 $192,250 (16.5%) $217,679 (32.2%) 0.00 41
2024-10-01 $193,875 (27.5%) $228,679 (36.4%) 0.00 41
Atchison's median listing price for 2024-10-01 was $193,875, a difference of $41,775 (27.5%) versus the prior year and $1,625 versus the prior month.

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

Atchison's average listing price for 2024-10-01 was $228,679, a difference of $61,011 (36.4%) versus the prior year and $11,000 versus the prior month.

For the 2024-10-01 period, Atchison had 41 MLS listings, a difference of 0 listings (0%) versus the prior month and 2 listings (5%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Atchison (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,526 sqft
2018-02-01 0 days 1,556 sqft
2018-03-01 0 days 1,564 sqft
2018-04-01 0 days 1,622 sqft
2018-05-01 0 days 1,712 sqft
2018-06-01 0 days 1,723 sqft
2018-07-01 0 days 1,784 sqft
2018-08-01 0 days 1,821 sqft
2018-09-01 0 days 1,932 sqft
2018-10-01 0 days 1,931 sqft
2018-11-01 0 days 1,684 sqft
2018-12-01 0 days 1,656 sqft
2019-01-01 0 days 1,668 sqft
2019-02-01 0 days 1,336 sqft
2019-03-01 0 days 1,391 sqft
2019-04-01 0 days 1,473 sqft
2019-05-01 0 days 1,456 sqft
2019-06-01 0 days 1,461 sqft
2019-07-01 0 days 1,582 sqft
2019-08-01 0 days 1,624 sqft
2019-09-01 0 days 1,686 sqft
2019-10-01 0 days 1,658 sqft
2019-11-01 0 days 1,591 sqft
2019-12-01 0 days 1,372 sqft
2020-01-01 0 days 1,267 sqft
2020-02-01 0 days 1,459 sqft
2020-03-01 0 days 1,495 sqft
2020-04-01 0 days 1,469 sqft
2020-05-01 0 days 1,692 sqft
2020-06-01 0 days 2,043 sqft
2020-07-01 0 days 1,984 sqft
2020-08-01 0 days 2,016 sqft
2020-09-01 0 days 2,027 sqft
2020-10-01 0 days 2,079 sqft
2020-11-01 0 days 1,872 sqft
2020-12-01 0 days 1,811 sqft
2021-01-01 0 days 1,844 sqft
2021-02-01 0 days 1,837 sqft
2021-03-01 0 days 1,810 sqft
2021-04-01 0 days 1,517 sqft
2021-05-01 0 days 1,500 sqft
2021-06-01 0 days 1,694 sqft
2021-07-01 0 days 1,962 sqft
2021-08-01 0 days 1,919 sqft
2021-09-01 0 days 1,941 sqft
2021-10-01 0 days 1,960 sqft
2021-11-01 0 days 1,581 sqft
2021-12-01 0 days 1,603 sqft
2022-01-01 0 days 1,651 sqft
2022-02-01 0 days 1,568 sqft
2022-03-01 0 days 1,648 sqft
2022-04-01 0 days 1,648 sqft
2022-05-01 0 days 1,216 sqft
2022-06-01 0 days 1,349 sqft
2022-07-01 0 days 1,350 sqft
2022-08-01 0 days 1,598 sqft
2022-09-01 0 days 1,727 sqft
2022-10-01 0 days 1,870 sqft
2022-11-01 0 days 1,850 sqft
2022-12-01 0 days 1,780 sqft
2023-01-01 0 days 1,782 sqft
2023-02-01 0 days 1,686 sqft
2023-03-01 0 days 1,348 sqft
2023-04-01 0 days 1,756 sqft
2023-05-01 0 days 1,674 sqft
2023-06-01 0 days 1,748 sqft
2023-07-01 0 days 1,807 sqft
2023-08-01 0 days 1,768 sqft
2023-09-01 0 days 1,520 sqft
2023-10-01 0 days 1,532 sqft
2023-11-01 0 days 1,495 sqft
2023-12-01 0 days 1,486 sqft
2024-01-01 0 days 1,403 sqft
2024-02-01 0 days 1,494 sqft
2024-03-01 0 days 1,486 sqft
2024-04-01 0 days 1,551 sqft
2024-05-01 0 days 1,551 sqft
2024-06-01 0 days 1,690 sqft
2024-07-01 0 days 1,896 sqft
2024-08-01 0 days 1,765 sqft
2024-09-01 0 days 1,757 sqft
2024-10-01 0 days 1,770 sqft
Atchison's median listing age (time on market) for 2024-10-01 was 0 days.

Atchison's median square footage for active listings during the 2024-10-01 period was 1,770 sqft. One year prior, the average listing was 1,532 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.