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 18 lenders originated 34 VA loans during 2023. The total origination value was $8,650,000, with an average VA loan value of $254,412.

    Campbellsville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Campbellsville averaged 7.06% for the week of 2024-04-19, compared to the national average (all VA variants) of 6.758% for the same period.

    Campbellsville's average VA mortgage closing costs are $4,725.

    The average rate for the prior week (2024-04-12) was 6.79% and one month ago for the week of 2024-03-15, the average rate was 6.45%.

    The average rate one year ago was 6.14%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.66%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 5 7.07% $4,932
    STOCKTON MORTGAGE CORPORATION 3 6.25% $8,341
    QUICKEN LOANS, LLC 3 6.45% $8,433
    UNITED WHOLESALE MORTGAGE, LLC 3 6.71% $6,753
    Magnolia Bank 2 5.87% $11,033
    RUOFF MORTGAGE COMPANY, INC. 2 6.81% $2,178
    FREEDOM MORTGAGE CORPORATION 2 6.44% $5,847
    Prosperity Home Mortgage, LLC 1 5.99% $5,739
    ROSS MORTGAGE CORPORATION 1 6.50% $1,957
    UNION HOME MORTGAGE CORP. 1 7.25% $9,122
    Barrington Bank & Trust Company, N.A. 1 5.75% $15,792
    USAA Federal Savings Bank 1 6.00% $3,758
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $11,106
    HOMESIDE FINANCIAL, LLC 1 6.25% $2,673
    LOANDEPOT.COM, LLC 1 6.63% $7,459
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $23,254
    NAVY FEDERAL CREDIT UNION 1 5.13% $2,840
    PENNYMAC LOAN SERVICES, LLC 1 5.50% $13,249

    The top Campbellsville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 5 VA loans originated. Their average total fees are $4,932, which is $3,410 lower than the next largest lender, STOCKTON MORTGAGE CORPORATION.

    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 $140,675 (-11.8%) $164,573 (1.8%) 0.00 90
    2019-06-01 $138,000 (-10.9%) $164,286 (6.0%) 0.00 89
    2019-07-01 $139,900 (-11.5%) $172,566 (9.0%) 0.00 88
    2019-08-01 $140,964 (-6.0%) $179,009 (16.9%) 0.00 91
    2019-09-01 $138,734 (-7.5%) $176,275 (19.4%) 0.00 98
    2019-10-01 $138,248 (-1.2%) $174,552 (19.0%) 0.00 103
    2019-11-01 $132,900 (-9.6%) $172,115 (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 (2.0%) $187,122 (13.7%) 0.00 67
    2020-06-01 $142,600 (3.3%) $188,578 (14.8%) 0.00 65
    2020-07-01 $142,750 (2.0%) $197,431 (14.4%) 0.00 56
    2020-08-01 $148,800 (5.6%) $214,984 (20.1%) 0.00 54
    2020-09-01 $181,950 (31.2%) $237,488 (34.7%) 0.00 50
    2020-10-01 $179,900 (30.1%) $230,834 (32.2%) 0.00 55
    2020-11-01 $161,700 (21.7%) $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 $256,000 (2.4%) $336,025 (4.4%) 0.00 78
    2023-06-01 $299,675 (21.2%) $343,532 (12.6%) 0.00 81
    2023-07-01 $298,500 (30.4%) $346,940 (12.9%) 0.00 87
    2023-08-01 $296,450 (34.8%) $350,489 (-98.5%) 0.00 84
    2023-09-01 $294,900 (29.6%) $348,869 (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%) $332,162 (13.2%) 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
    Campbellsville's median listing price for 2024-03-01 was $274,450, a difference of $38,550 (16.3%) versus the prior year and $-4,550 versus the prior month.

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

    Campbellsville's average listing price for 2024-03-01 was $321,670, a difference of $21,876 (7.3%) versus the prior year and $-3,670 versus the prior month.

    For the 2024-03-01 period, Campbellsville had 80 MLS listings, a difference of 0 listings (0%) versus the prior month and 8 listings (11%) 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 1,710 sqft
    2018-02-01 0 days 1,787 sqft
    2018-03-01 0 days 1,704 sqft
    2018-04-01 0 days 1,695 sqft
    2018-05-01 0 days 1,684 sqft
    2018-06-01 0 days 1,677 sqft
    2018-07-01 0 days 1,692 sqft
    2018-08-01 0 days 1,665 sqft
    2018-09-01 0 days 1,664 sqft
    2018-10-01 0 days 1,660 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 1,612 sqft
    2019-05-01 0 days 1,572 sqft
    2019-06-01 0 days 1,485 sqft
    2019-07-01 0 days 1,620 sqft
    2019-08-01 0 days 1,709 sqft
    2019-09-01 0 days 1,685 sqft
    2019-10-01 0 days 1,716 sqft
    2019-11-01 0 days 1,724 sqft
    2019-12-01 0 days 1,700 sqft
    2020-01-01 0 days 1,703 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 1,665 sqft
    2020-08-01 0 days 1,680 sqft
    2020-09-01 0 days 1,808 sqft
    2020-10-01 0 days 1,808 sqft
    2020-11-01 0 days 1,763 sqft
    2020-12-01 0 days 1,912 sqft
    2021-01-01 0 days 2,024 sqft
    2021-02-01 0 days 2,025 sqft
    2021-03-01 0 days 1,973 sqft
    2021-04-01 0 days 1,804 sqft
    2021-05-01 0 days 1,695 sqft
    2021-06-01 0 days 1,733 sqft
    2021-07-01 0 days 1,795 sqft
    2021-08-01 0 days 1,930 sqft
    2021-09-01 0 days 1,875 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 1,492 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 1,938 sqft
    2023-06-01 0 days 1,908 sqft
    2023-07-01 0 days 1,902 sqft
    2023-08-01 0 days 1,805 sqft
    2023-09-01 0 days 1,866 sqft
    2023-10-01 0 days 2,012 sqft
    2023-11-01 0 days 1,898 sqft
    2023-12-01 0 days 1,824 sqft
    2024-01-01 0 days 1,902 sqft
    2024-02-01 0 days 1,840 sqft
    2024-03-01 0 days 1,750 sqft
    Campbellsville's median listing age (time on market) for 2024-03-01 was 0 days.

    Campbellsville's median square footage for active listings during the 2024-03-01 period was 1,750 sqft. One year prior, the average listing was 1,754 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.