Atchison VA Loan Rates, Closing Costs & Stats

Atchison, KS

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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.

    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 6.41% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

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

    The average rate for the prior week (2024-12-06) was 6.24% and one month ago for the week of 2024-11-08, the average rate was 6.64%.

    The average rate one year ago was 6.98%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.18%.

    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
    2024-11-01 $199,000 (34.7%) $220,106 (27.5%) 0.00 35
    Atchison's median listing price for 2024-11-01 was $199,000, a difference of $51,250 (34.7%) versus the prior year and $5,125 versus the prior month.

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

    Atchison's average listing price for 2024-11-01 was $220,106, a difference of $47,457 (27.5%) versus the prior year and $-8,573 versus the prior month.

    For the 2024-11-01 period, Atchison had 35 MLS listings, a difference of -6 listings (-15%) versus the prior month and -3 listings (-8%) 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
    2024-11-01 0 days 1,748 sqft
    Atchison's median listing age (time on market) for 2024-11-01 was 0 days.

    Atchison's median square footage for active listings during the 2024-11-01 period was 1,748 sqft. One year prior, the average listing was 1,495 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.