Bloomsburg VA Loan Rates, Closing Costs & Stats

BLOOMSBURG-BERWICK, PA

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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.

    Bloomsburg's 21 lenders originated 52 VA loans during 2023. The total origination value was $12,390,000, with an average VA loan value of $238,269.

    Bloomsburg VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Bloomsburg averaged 6.59% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Bloomsburg's average VA mortgage closing costs are $6,092.

    The average rate for the prior week (2025-02-07) was 6.52% and one month ago for the week of 2025-01-10, the average rate was 6.96%.

    The average rate one year ago was 6.58%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Bloomsburg 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 Bloomsburg level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 21 6.99% $5,928
    QUICKEN LOANS, LLC 4 6.34% $10,089
    NAVY FEDERAL CREDIT UNION 2 6.13% $3,862
    FREEDOM MORTGAGE CORPORATION 2 5.63% $13,504
    Meridian Bank Corporation 2 5.44% $7,843
    USAA Federal Savings Bank 2 7.13% $10,445
    First Federal Bank of Kansas City 1 6.00% $0
    GUILD MORTGAGE COMPANY 1 6.50% $13,763
    NEW DAY FINANCIAL, LLC 1 7.75% $14,135
    NEWREZ LLC 1 6.13% $5,635
    PENNYMAC LOAN SERVICES, LLC 1 5.25% $3,142
    PENTAGON FEDERAL CREDIT UNION 1 7.13% $11,844
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.38% $9,082
    UNITED WHOLESALE MORTGAGE, LLC 1 6.57% $26,030
    Bank of England 1 5.75% $7,106
    Waterstone Mortgage Corporation 1 6.13% $0
    CHERRY CREEK MORTGAGE, LLC 1 6.25% $4,476
    EMBRACE HOME LOANS, INC. 1 6.25% $10,520
    Equity Prime Mortgage LLC 1 8.13% $18,133
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.75% $3,584
    First Commonwealth Bank 1 6.13% $5,635

    The top Bloomsburg VA lender as defined by loan originations is Mortgage Research Center, LLC, with 21 VA loans originated. Their average total fees are $5,928, which is $4,161 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Bloomsburg VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,928), .

    The lowest rate Bloomsburg VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.99%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Bloomsburg (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 $146,725 (8.1%) $187,844 (4.1%) 0.00 246
    2018-02-01 $137,500 (-0.3%) $188,433 (0.6%) 0.00 217
    2018-03-01 $139,900 (-10.5%) $191,042 (-2.7%) 0.00 201
    2018-04-01 $143,725 (-10.1%) $213,284 (7.0%) 0.00 191
    2018-05-01 $150,625 (-5.8%) $217,990 (9.2%) 0.00 189
    2018-06-01 $143,100 (-9.5%) $215,151 (9.6%) 0.00 199
    2018-07-01 $147,900 (-4.0%) $214,187 (10.1%) 0.00 216
    2018-08-01 $154,950 (3.4%) $213,471 (10.0%) 0.00 218
    2018-09-01 $164,900 (10.0%) $222,802 (15.1%) 0.00 212
    2018-10-01 $159,900 (10.3%) $202,154 (6.5%) 0.00 228
    2018-11-01 $159,900 (6.9%) $198,887 (4.4%) 0.00 220
    2018-12-01 $157,200 (5.3%) $194,111 (2.8%) 0.00 215
    2019-01-01 $149,900 (2.2%) $189,075 (0.7%) 0.00 209
    2019-02-01 $150,000 (9.1%) $192,979 (2.4%) 0.00 183
    2019-03-01 $166,786 (19.2%) $203,781 (6.7%) 0.00 179
    2019-04-01 $179,286 (24.7%) $217,155 (1.8%) 0.00 176
    2019-05-01 $177,450 (17.8%) $213,296 (-2.2%) 0.00 190
    2019-06-01 $169,900 (18.7%) $206,364 (-4.1%) 0.00 196
    2019-07-01 $171,950 (16.3%) $199,945 (-6.7%) 0.00 198
    2019-08-01 $167,314 (8.0%) $199,044 (-6.8%) 0.00 199
    2019-09-01 $160,359 (-2.8%) $198,246 (-11.0%) 0.00 192
    2019-10-01 $154,675 (-3.3%) $197,515 (-2.3%) 0.00 196
    2019-11-01 $154,950 (-3.1%) $190,852 (-4.0%) 0.00 190
    2019-12-01 $149,900 (-4.6%) $184,986 (-4.7%) 0.00 172
    2020-01-01 $149,900 (0.0%) $189,819 (0.4%) 0.00 156
    2020-02-01 $149,900 (-0.1%) $189,185 (-2.0%) 0.00 144
    2020-03-01 $167,400 (0.4%) $205,731 (1.0%) 0.00 133
    2020-04-01 $179,900 (0.3%) $216,192 (-0.4%) 0.00 121
    2020-05-01 $174,950 (-1.4%) $219,997 (3.1%) 0.00 120
    2020-06-01 $174,900 (2.9%) $216,314 (4.8%) 0.00 115
    2020-07-01 $174,900 (1.7%) $208,819 (4.4%) 0.00 110
    2020-08-01 $166,450 (-0.5%) $212,909 (7.0%) 0.00 116
    2020-09-01 $181,150 (13.0%) $220,662 (11.3%) 0.00 104
    2020-10-01 $172,450 (11.5%) $219,544 (11.2%) 0.00 95
    2020-11-01 $163,750 (5.7%) $220,506 (15.5%) 0.00 98
    2020-12-01 $165,000 (10.1%) $218,817 (18.3%) 0.00 103
    2021-01-01 $165,000 (10.1%) $214,686 (13.1%) 0.00 98
    2021-02-01 $169,900 (13.3%) $216,594 (14.5%) 0.00 79
    2021-03-01 $179,450 (7.2%) $230,920 (12.2%) 0.00 69
    2021-04-01 $185,450 (3.1%) $251,714 (16.4%) 0.00 61
    2021-05-01 $179,900 (2.8%) $256,693 (16.7%) 0.00 66
    2021-06-01 $169,450 (-3.1%) $230,794 (6.7%) 0.00 73
    2021-07-01 $189,000 (8.1%) $254,782 (22.0%) 0.00 91
    2021-08-01 $209,725 (26.0%) $303,757 (42.7%) 0.00 74
    2021-09-01 $205,000 (13.2%) $289,460 (31.2%) 0.00 68
    2021-10-01 $210,000 (21.8%) $292,690 (33.3%) 0.00 72
    2021-11-01 $191,675 (17.1%) $264,429 (19.9%) 0.00 71
    2021-12-01 $193,450 (17.2%) $271,178 (23.9%) 0.00 63
    2022-01-01 $193,450 (17.2%) $299,408 (39.5%) 0.00 47
    2022-02-01 $171,175 (0.8%) $255,691 (18.1%) 0.00 45
    2022-03-01 $169,950 (-5.3%) $235,167 (1.8%) 0.00 42
    2022-04-01 $175,000 (-5.6%) $261,053 (3.7%) 0.00 43
    2022-05-01 $215,600 (19.8%) $299,434 (16.7%) 0.00 49
    2022-06-01 $254,675 (50.3%) $329,759 (42.9%) 0.00 64
    2022-07-01 $229,000 (21.2%) $315,489 (23.8%) 0.00 73
    2022-08-01 $244,925 (16.8%) $320,352 (5.5%) 0.00 74
    2022-09-01 $238,925 (16.6%) $293,050 (1.2%) 0.00 77
    2022-10-01 $244,000 (16.2%) $312,346 (6.7%) 0.00 75
    2022-11-01 $239,450 (24.9%) $287,397 (8.7%) 0.00 75
    2022-12-01 $229,900 (18.8%) $266,719 (-1.6%) 0.00 79
    2023-01-01 $212,325 (9.8%) $252,301 (-15.7%) 0.00 60
    2023-02-01 $231,225 (35.1%) $262,980 (2.9%) 0.00 52
    2023-03-01 $205,725 (21.1%) $265,975 (13.1%) 0.00 45
    2023-04-01 $207,250 (18.4%) $262,160 (0.4%) 0.00 49
    2023-05-01 $206,175 (-4.4%) $257,823 (-13.9%) 0.00 48
    2023-06-01 $232,175 (-8.8%) $256,781 (-22.1%) 0.00 52
    2023-07-01 $234,900 (2.6%) $275,157 (-12.8%) 0.00 45
    2023-08-01 $235,675 (-3.8%) $257,797 (-19.5%) 0.00 51
    2023-09-01 $229,000 (-4.2%) $264,054 (-9.9%) 0.00 54
    2023-10-01 $224,950 (-7.8%) $264,963 (-15.2%) 0.00 63
    2023-11-01 $220,375 (-8.0%) $264,933 (-7.8%) 0.00 65
    2023-12-01 $212,250 (-7.7%) $253,895 (-4.8%) 0.00 64
    2024-01-01 $254,900 (20.1%) $294,544 (16.7%) 0.00 49
    2024-02-01 $254,675 (10.1%) $293,499 (11.6%) 0.00 48
    2024-03-01 $265,000 (28.8%) $293,587 (10.4%) 0.00 54
    2024-04-01 $245,000 (18.2%) $279,734 (6.7%) 0.00 56
    2024-05-01 $253,475 (22.9%) $315,732 (22.5%) 0.00 57
    2024-06-01 $245,000 (5.5%) $311,798 (21.4%) 0.00 62
    2024-07-01 $239,725 (2.1%) $301,440 (9.6%) 0.00 62
    2024-08-01 $236,750 (0.5%) $294,092 (14.1%) 0.00 61
    2024-09-01 $221,200 (-3.4%) $293,996 (11.3%) 0.00 69
    2024-10-01 $220,000 (-2.2%) $289,242 (9.2%) 0.00 73
    2024-11-01 $249,900 (13.4%) $291,283 (10.0%) 0.00 84
    2024-12-01 $249,900 (17.7%) $295,830 (16.5%) 0.00 85
    2025-01-01 $232,450 (-8.8%) $298,557 (1.4%) 0.00 69
    Bloomsburg's median listing price for 2025-01-01 was $232,450, a difference of $-22,450 (-8.8%) versus the prior year and $-17,450 versus the prior month.

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

    Bloomsburg's average listing price for 2025-01-01 was $298,557, a difference of $4,013 (1.4%) versus the prior year and $2,727 versus the prior month.

    For the 2025-01-01 period, Bloomsburg had 69 MLS listings, a difference of -16 listings (-19%) versus the prior month and 20 listings (41%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bloomsburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,602 sqft
    2018-02-01 0 days 1,562 sqft
    2018-03-01 0 days 1,586 sqft
    2018-04-01 0 days 1,629 sqft
    2018-05-01 0 days 1,657 sqft
    2018-06-01 0 days 1,669 sqft
    2018-07-01 0 days 1,619 sqft
    2018-08-01 0 days 1,638 sqft
    2018-09-01 0 days 1,693 sqft
    2018-10-01 0 days 1,665 sqft
    2018-11-01 0 days 1,684 sqft
    2018-12-01 0 days 1,673 sqft
    2019-01-01 0 days 1,676 sqft
    2019-02-01 0 days 1,688 sqft
    2019-03-01 0 days 1,734 sqft
    2019-04-01 0 days 1,814 sqft
    2019-05-01 0 days 1,752 sqft
    2019-06-01 0 days 1,704 sqft
    2019-07-01 0 days 1,681 sqft
    2019-08-01 0 days 1,661 sqft
    2019-09-01 0 days 1,626 sqft
    2019-10-01 0 days 1,606 sqft
    2019-11-01 0 days 1,582 sqft
    2019-12-01 0 days 1,595 sqft
    2020-01-01 0 days 1,609 sqft
    2020-02-01 0 days 1,624 sqft
    2020-03-01 0 days 1,656 sqft
    2020-04-01 0 days 1,675 sqft
    2020-05-01 0 days 1,628 sqft
    2020-06-01 0 days 1,615 sqft
    2020-07-01 0 days 1,614 sqft
    2020-08-01 0 days 1,688 sqft
    2020-09-01 0 days 1,727 sqft
    2020-10-01 0 days 1,728 sqft
    2020-11-01 0 days 1,602 sqft
    2020-12-01 0 days 1,598 sqft
    2021-01-01 0 days 1,617 sqft
    2021-02-01 0 days 1,708 sqft
    2021-03-01 0 days 1,690 sqft
    2021-04-01 0 days 1,738 sqft
    2021-05-01 0 days 1,708 sqft
    2021-06-01 0 days 1,564 sqft
    2021-07-01 0 days 1,605 sqft
    2021-08-01 0 days 1,702 sqft
    2021-09-01 0 days 1,790 sqft
    2021-10-01 0 days 1,752 sqft
    2021-11-01 0 days 1,616 sqft
    2021-12-01 0 days 1,670 sqft
    2022-01-01 0 days 1,700 sqft
    2022-02-01 0 days 1,602 sqft
    2022-03-01 0 days 1,570 sqft
    2022-04-01 0 days 1,512 sqft
    2022-05-01 0 days 1,728 sqft
    2022-06-01 0 days 1,800 sqft
    2022-07-01 0 days 1,827 sqft
    2022-08-01 0 days 1,940 sqft
    2022-09-01 0 days 1,825 sqft
    2022-10-01 0 days 1,783 sqft
    2022-11-01 0 days 1,790 sqft
    2022-12-01 0 days 1,745 sqft
    2023-01-01 0 days 1,752 sqft
    2023-02-01 0 days 1,799 sqft
    2023-03-01 0 days 1,795 sqft
    2023-04-01 0 days 1,798 sqft
    2023-05-01 0 days 1,711 sqft
    2023-06-01 0 days 1,714 sqft
    2023-07-01 0 days 1,763 sqft
    2023-08-01 0 days 1,683 sqft
    2023-09-01 0 days 1,704 sqft
    2023-10-01 0 days 1,719 sqft
    2023-11-01 0 days 1,693 sqft
    2023-12-01 0 days 1,668 sqft
    2024-01-01 0 days 1,731 sqft
    2024-02-01 0 days 1,834 sqft
    2024-03-01 0 days 1,856 sqft
    2024-04-01 0 days 1,820 sqft
    2024-05-01 0 days 1,720 sqft
    2024-06-01 0 days 1,744 sqft
    2024-07-01 0 days 1,668 sqft
    2024-08-01 0 days 1,688 sqft
    2024-09-01 0 days 1,672 sqft
    2024-10-01 0 days 1,712 sqft
    2024-11-01 0 days 1,698 sqft
    2024-12-01 0 days 1,701 sqft
    2025-01-01 0 days 1,711 sqft
    Bloomsburg's median listing age (time on market) for 2025-01-01 was 0 days.

    Bloomsburg's median square footage for active listings during the 2025-01-01 period was 1,711 sqft. One year prior, the average listing was 1,731 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.