Campbellsville VA Loan Rates, Closing Costs & Stats

Campbellsville, KY

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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.

    Campbellsville's 16 lenders originated 33 VA loans during 2024. The total origination value was $8,245,000, with an average VA loan value of $249,848.

    Campbellsville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Campbellsville averaged 6.26% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Campbellsville's average VA mortgage closing costs are $4,866.

    The average rate for the prior week (2025-03-28) was 6.58% and one month ago for the week of 2025-02-28, the average rate was 6.76%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.96%.

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

    Campbellsville 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 Campbellsville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 6 6.42% $6,101
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 8.00% $1,631
    STOCKTON MORTGAGE CORPORATION 3 6.29% $8,028
    VILLAGE CAPITAL MORTGAGE 2 5.75% $4,180
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.63% $7,743
    NEW DAY FINANCIAL, LLC 2 7.75% $8,798
    PENNYMAC LOAN SERVICES, LLC 2 5.87% $6,191
    UNITED WHOLESALE MORTGAGE, LLC 1 6.75% $17,527
    CMG MORTGAGE, INC. 1 6.99% $9,493
    QUICKEN LOANS, LLC 1 5.50% $6,997
    RUOFF MORTGAGE COMPANY, INC. 1 7.75% $1,379
    SOUTH CENTRAL BANK, INC. 1 6.75% $2,301
    FREEDOM MORTGAGE CORPORATION 1 5.38% $1,702
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.00% $8,278
    LOANDEPOT.COM, LLC 1 5.99% $6,198
    LEADERONE FINANCIAL CORPORATION 1 7.50% $7,064

    The top Campbellsville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 6 VA loans originated. Their average total fees are $6,101, which is $4,471 higher than the next largest lender, MORTGAGE SOLUTIONS OF COLORADO, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Campbellsville (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 $149,900 (-5.7%) $156,198 (-13.7%) 0.00 101
    2018-02-01 $153,650 (-1.4%) $160,307 (-8.1%) 0.00 95
    2018-03-01 $159,900 (3.9%) $164,240 (-3.3%) 0.00 88
    2018-04-01 $157,175 (-0.1%) $157,264 (-15.5%) 0.00 94
    2018-05-01 $159,450 (7.1%) $161,699 (-10.9%) 0.00 95
    2018-06-01 $154,950 (4.1%) $154,996 (-11.2%) 0.00 95
    2018-07-01 $158,000 (-3.0%) $158,286 (-10.1%) 0.00 101
    2018-08-01 $149,975 (0.0%) $153,140 (-11.2%) 0.00 99
    2018-09-01 $149,900 (-11.8%) $147,680 (-15.8%) 0.00 119
    2018-10-01 $139,900 (-6.7%) $146,628 (-6.0%) 0.00 123
    2018-11-01 $147,050 (-1.9%) $146,659 (-4.3%) 0.00 119
    2018-12-01 $134,900 (-9.9%) $144,716 (-7.8%) 0.00 117
    2019-01-01 $137,500 (-8.3%) $151,701 (-2.9%) 0.00 101
    2019-02-01 $138,700 (-9.7%) $151,516 (-5.5%) 0.00 99
    2019-03-01 $133,193 (-16.7%) $149,174 (-9.2%) 0.00 99
    2019-04-01 $128,168 (-18.5%) $152,071 (-3.3%) 0.00 100
    2019-05-01 $142,400 (-10.7%) $165,032 (2.1%) 0.00 91
    2019-06-01 $138,950 (-10.3%) $164,649 (6.2%) 0.00 90
    2019-07-01 $139,925 (-11.4%) $172,861 (9.2%) 0.00 89
    2019-08-01 $143,291 (-4.5%) $179,122 (17.0%) 0.00 92
    2019-09-01 $140,877 (-6.0%) $176,408 (19.5%) 0.00 99
    2019-10-01 $139,493 (-0.3%) $174,627 (19.1%) 0.00 104
    2019-11-01 $133,950 (-8.9%) $172,143 (17.4%) 0.00 100
    2019-12-01 $124,800 (-7.5%) $162,526 (12.3%) 0.00 100
    2020-01-01 $123,375 (-10.3%) $163,733 (7.9%) 0.00 99
    2020-02-01 $136,250 (-1.8%) $172,750 (14.0%) 0.00 86
    2020-03-01 $138,850 (4.3%) $180,433 (21.0%) 0.00 76
    2020-04-01 $135,000 (5.3%) $185,300 (21.9%) 0.00 68
    2020-05-01 $143,500 (0.8%) $187,122 (13.4%) 0.00 67
    2020-06-01 $142,600 (2.6%) $188,578 (14.5%) 0.00 65
    2020-07-01 $142,750 (2.0%) $197,431 (14.2%) 0.00 56
    2020-08-01 $148,800 (3.8%) $214,984 (20.0%) 0.00 54
    2020-09-01 $181,950 (29.2%) $237,488 (34.6%) 0.00 50
    2020-10-01 $179,900 (29.0%) $230,834 (32.2%) 0.00 55
    2020-11-01 $161,700 (20.7%) $228,061 (32.5%) 0.00 57
    2020-12-01 $174,900 (40.1%) $236,936 (45.8%) 0.00 44
    2021-01-01 $171,200 (38.8%) $227,717 (39.1%) 0.00 48
    2021-02-01 $167,350 (22.8%) $228,141 (32.1%) 0.00 43
    2021-03-01 $176,150 (26.9%) $224,603 (24.5%) 0.00 47
    2021-04-01 $172,750 (28.0%) $210,254 (13.5%) 0.00 46
    2021-05-01 $189,500 (32.1%) $276,360 (47.7%) 0.00 32
    2021-06-01 $201,375 (41.2%) $290,330 (54.0%) 0.00 34
    2021-07-01 $229,000 (60.4%) $281,621 (42.6%) 0.00 43
    2021-08-01 $246,450 (65.6%) $282,066 (31.2%) 0.00 51
    2021-09-01 $244,864 (34.6%) $273,843 (15.3%) 0.00 70
    2021-10-01 $234,839 (30.5%) $274,045 (18.7%) 0.00 67
    2021-11-01 $223,475 (38.2%) $292,019 (28.0%) 0.00 62
    2021-12-01 $224,725 (28.5%) $307,180 (29.7%) 0.00 55
    2022-01-01 $205,450 (20.0%) $276,194 (21.3%) 0.00 59
    2022-02-01 $204,000 (21.9%) $295,052 (29.3%) 0.00 58
    2022-03-01 $223,225 (26.7%) $308,255 (37.2%) 0.00 56
    2022-04-01 $242,450 (40.4%) $319,353 (51.9%) 0.00 61
    2022-05-01 $249,900 (31.9%) $321,978 (16.5%) 0.00 62
    2022-06-01 $247,200 (22.8%) $305,030 (5.1%) 0.00 67
    2022-07-01 $229,000 (0.0%) $307,416 (9.2%) 0.00 74
    2022-08-01 $219,900 (-10.8%) $23,524,874 (8,240.2%) 0.00 89
    2022-09-01 $227,500 (-7.1%) $311,677 (13.8%) 0.00 95
    2022-10-01 $235,000 (0.1%) $304,223 (11.0%) 0.00 97
    2022-11-01 $229,975 (2.9%) $293,548 (0.5%) 0.00 93
    2022-12-01 $226,000 (0.6%) $293,408 (-4.5%) 0.00 91
    2023-01-01 $213,650 (4.0%) $274,252 (-0.7%) 0.00 71
    2023-02-01 $198,225 (-2.8%) $267,546 (-9.3%) 0.00 72
    2023-03-01 $235,900 (5.7%) $299,794 (-2.7%) 0.00 72
    2023-04-01 $242,250 (-0.1%) $321,435 (0.7%) 0.00 72
    2023-05-01 $247,000 (-1.2%) $332,635 (3.3%) 0.00 79
    2023-06-01 $298,425 (20.7%) $341,657 (12.0%) 0.00 82
    2023-07-01 $298,250 (30.2%) $344,036 (11.9%) 0.00 87
    2023-08-01 $293,175 (33.3%) $347,033 (-98.5%) 0.00 85
    2023-09-01 $292,400 (28.5%) $348,795 (11.9%) 0.00 82
    2023-10-01 $296,350 (26.1%) $344,801 (13.3%) 0.00 81
    2023-11-01 $288,450 (25.4%) $332,727 (13.4%) 0.00 86
    2023-12-01 $279,900 (23.9%) $333,853 (13.8%) 0.00 87
    2024-01-01 $293,650 (37.4%) $338,936 (23.6%) 0.00 87
    2024-02-01 $279,000 (40.8%) $325,340 (21.6%) 0.00 80
    2024-03-01 $274,450 (16.3%) $321,670 (7.3%) 0.00 80
    2024-04-01 $264,250 (9.1%) $325,356 (1.2%) 0.00 91
    2024-05-01 $261,300 (5.8%) $318,029 (-4.4%) 0.00 89
    2024-06-01 $269,750 (-9.6%) $337,386 (-1.3%) 0.00 91
    2024-07-01 $279,675 (-6.2%) $354,264 (3.0%) 0.00 94
    2024-08-01 $289,500 (-1.3%) $337,810 (-2.7%) 0.00 99
    2024-09-01 $279,000 (-4.6%) $325,476 (-6.7%) 0.00 117
    2024-10-01 $271,225 (-8.5%) $313,545 (-9.1%) 0.00 120
    2024-11-01 $249,900 (-13.4%) $297,782 (-10.5%) 0.00 139
    2024-12-01 $241,000 (-13.9%) $298,447 (-10.6%) 0.00 140
    2025-01-01 $237,500 (-19.1%) $298,093 (-12.1%) 0.00 132
    2025-02-01 $254,925 (-8.6%) $309,220 (-5.0%) 0.00 126
    2025-03-01 $249,900 (-9.0%) $302,571 (-5.9%) 0.00 138
    Campbellsville's median listing price for 2025-03-01 was $249,900, a difference of $-24,550 (-9.0%) versus the prior year and $-5,025 versus the prior month.

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

    Campbellsville's average listing price for 2025-03-01 was $302,571, a difference of $-19,099 (-5.9%) versus the prior year and $-6,649 versus the prior month.

    For the 2025-03-01 period, Campbellsville had 138 MLS listings, a difference of 12 listings (10%) versus the prior month and 58 listings (73%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Campbellsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,703 sqft
    2018-02-01 0 days 1,787 sqft
    2018-03-01 0 days 1,704 sqft
    2018-04-01 0 days 1,698 sqft
    2018-05-01 0 days 1,678 sqft
    2018-06-01 0 days 1,668 sqft
    2018-07-01 0 days 1,682 sqft
    2018-08-01 0 days 1,661 sqft
    2018-09-01 0 days 1,661 sqft
    2018-10-01 0 days 1,656 sqft
    2018-11-01 0 days 1,496 sqft
    2018-12-01 0 days 1,483 sqft
    2019-01-01 0 days 1,510 sqft
    2019-02-01 0 days 1,583 sqft
    2019-03-01 0 days 1,597 sqft
    2019-04-01 0 days 1,610 sqft
    2019-05-01 0 days 1,553 sqft
    2019-06-01 0 days 1,497 sqft
    2019-07-01 0 days 1,631 sqft
    2019-08-01 0 days 1,693 sqft
    2019-09-01 0 days 1,678 sqft
    2019-10-01 0 days 1,697 sqft
    2019-11-01 0 days 1,712 sqft
    2019-12-01 0 days 1,693 sqft
    2020-01-01 0 days 1,693 sqft
    2020-02-01 0 days 1,736 sqft
    2020-03-01 0 days 1,808 sqft
    2020-04-01 0 days 1,771 sqft
    2020-05-01 0 days 1,851 sqft
    2020-06-01 0 days 1,801 sqft
    2020-07-01 0 days 1,650 sqft
    2020-08-01 0 days 1,680 sqft
    2020-09-01 0 days 1,808 sqft
    2020-10-01 0 days 1,802 sqft
    2020-11-01 0 days 1,741 sqft
    2020-12-01 0 days 1,888 sqft
    2021-01-01 0 days 1,974 sqft
    2021-02-01 0 days 1,923 sqft
    2021-03-01 0 days 1,934 sqft
    2021-04-01 0 days 1,768 sqft
    2021-05-01 0 days 1,667 sqft
    2021-06-01 0 days 1,733 sqft
    2021-07-01 0 days 1,795 sqft
    2021-08-01 0 days 1,933 sqft
    2021-09-01 0 days 1,878 sqft
    2021-10-01 0 days 1,664 sqft
    2021-11-01 0 days 1,577 sqft
    2021-12-01 0 days 1,719 sqft
    2022-01-01 0 days 1,514 sqft
    2022-02-01 0 days 1,468 sqft
    2022-03-01 0 days 1,536 sqft
    2022-04-01 0 days 1,628 sqft
    2022-05-01 0 days 1,784 sqft
    2022-06-01 0 days 1,829 sqft
    2022-07-01 0 days 1,754 sqft
    2022-08-01 0 days 1,775 sqft
    2022-09-01 0 days 1,870 sqft
    2022-10-01 0 days 1,837 sqft
    2022-11-01 0 days 1,841 sqft
    2022-12-01 0 days 1,800 sqft
    2023-01-01 0 days 1,542 sqft
    2023-02-01 0 days 1,586 sqft
    2023-03-01 0 days 1,754 sqft
    2023-04-01 0 days 1,652 sqft
    2023-05-01 0 days 1,933 sqft
    2023-06-01 0 days 1,903 sqft
    2023-07-01 0 days 1,893 sqft
    2023-08-01 0 days 1,778 sqft
    2023-09-01 0 days 1,839 sqft
    2023-10-01 0 days 2,012 sqft
    2023-11-01 0 days 1,889 sqft
    2023-12-01 0 days 1,802 sqft
    2024-01-01 0 days 1,889 sqft
    2024-02-01 0 days 1,802 sqft
    2024-03-01 0 days 1,750 sqft
    2024-04-01 0 days 1,672 sqft
    2024-05-01 0 days 1,527 sqft
    2024-06-01 0 days 1,569 sqft
    2024-07-01 0 days 1,657 sqft
    2024-08-01 0 days 1,692 sqft
    2024-09-01 0 days 1,609 sqft
    2024-10-01 0 days 1,605 sqft
    2024-11-01 0 days 1,568 sqft
    2024-12-01 0 days 1,555 sqft
    2025-01-01 0 days 1,570 sqft
    2025-02-01 0 days 1,580 sqft
    2025-03-01 0 days 1,599 sqft
    Campbellsville's median listing age (time on market) for 2025-03-01 was 0 days.

    Campbellsville's median square footage for active listings during the 2025-03-01 period was 1,599 sqft. One year prior, the average listing was 1,750 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.