Clarksburg VA Loan Rates, Closing Costs & Stats

Clarksburg, WV

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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.

    Clarksburg's 20 lenders originated 83 VA loans during 2023. The total origination value was $21,135,000, with an average VA loan value of $254,639.

    Clarksburg VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Clarksburg averaged 6.19% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

    Clarksburg's average VA mortgage closing costs are $4,956.

    The average rate for the prior week (2024-12-06) was 6.33% and one month ago for the week of 2024-11-08, the average rate was 6.12%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.28%.

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

    Clarksburg 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 Clarksburg level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 32 7.01% $5,682
    QUICKEN LOANS, LLC 9 6.34% $6,925
    WesBanco 5 5.80% $6,837
    The Huntington National Bank 5 7.00% $6,372
    LOANDEPOT.COM, LLC 4 5.96% $13,628
    NAVY FEDERAL CREDIT UNION 4 6.19% $8,534
    Sierra Pacific Mortgage Company, Inc. 3 7.21% $5,127
    MOVEMENT MORTGAGE, LLC 2 7.25% $3,644
    FREEDOM MORTGAGE CORPORATION 2 7.00% $8,035
    PENNYMAC LOAN SERVICES, LLC 2 5.31% $4,043
    USAA Federal Savings Bank 2 6.44% $6,284
    Wells Fargo Bank 2 5.69% $13,186
    First Federal Bank of the Midwest 1 5.63% $13,689
    INTERCOASTAL MORTGAGE COMPANY 1 6.88% $10,301
    GUARANTEED RATE AFFINITY, LLC 1 6.25% $22,876
    First National Bank of Pennsylvania 1 6.63% $3,612
    Truist 1 7.60% $9,337
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $7,960
    Barrington Bank & Trust Company, N.A. 1 7.75% $6,377
    JPMorgan Chase Bank 1 7.49% $500

    The top Clarksburg VA lender as defined by loan originations is Mortgage Research Center, LLC, with 32 VA loans originated. Their average total fees are $5,682, which is $1,243 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Clarksburg VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,682), .

    The lowest rate Clarksburg VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (7.01%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Clarksburg (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 $140,500 (1.0%) $185,574 (2.4%) 0.00 310
    2018-02-01 $153,800 (10.3%) $195,089 (8.1%) 0.00 286
    2018-03-01 $166,000 (19.4%) $209,043 (16.3%) 0.00 250
    2018-04-01 $165,000 (19.1%) $202,299 (10.9%) 0.00 249
    2018-05-01 $164,925 (18.9%) $200,503 (9.9%) 0.00 243
    2018-06-01 $174,900 (26.9%) $216,042 (18.5%) 0.00 244
    2018-07-01 $179,700 (28.5%) $217,556 (18.5%) 0.00 253
    2018-08-01 $178,500 (27.6%) $211,270 (18.1%) 0.00 266
    2018-09-01 $179,900 (28.8%) $211,987 (18.3%) 0.00 273
    2018-10-01 $180,200 (28.8%) $206,943 (13.8%) 0.00 291
    2018-11-01 $181,700 (31.4%) $207,203 (14.5%) 0.00 277
    2018-12-01 $179,900 (29.9%) $206,059 (13.7%) 0.00 266
    2019-01-01 $186,700 (32.9%) $209,473 (12.9%) 0.00 248
    2019-02-01 $192,225 (25.0%) $219,552 (12.5%) 0.00 232
    2019-03-01 $176,786 (6.5%) $208,665 (-0.2%) 0.00 235
    2019-04-01 $162,061 (-1.8%) $198,281 (-2.0%) 0.00 241
    2019-05-01 $168,750 (2.3%) $201,562 (0.5%) 0.00 252
    2019-06-01 $174,000 (-0.5%) $210,788 (-2.4%) 0.00 244
    2019-07-01 $178,250 (-0.8%) $218,472 (0.4%) 0.00 260
    2019-08-01 $171,182 (-4.1%) $213,898 (1.2%) 0.00 259
    2019-09-01 $163,205 (-9.3%) $209,095 (-1.4%) 0.00 256
    2019-10-01 $157,886 (-12.4%) $206,141 (-0.4%) 0.00 254
    2019-11-01 $159,000 (-12.5%) $213,082 (2.8%) 0.00 239
    2019-12-01 $133,950 (-25.5%) $203,683 (-1.2%) 0.00 212
    2020-01-01 $129,900 (-30.4%) $193,431 (-7.7%) 0.00 197
    2020-02-01 $135,000 (-29.8%) $196,791 (-10.4%) 0.00 192
    2020-03-01 $155,875 (-11.8%) $198,396 (-4.9%) 0.00 191
    2020-04-01 $154,950 (-4.4%) $197,924 (-0.2%) 0.00 191
    2020-05-01 $157,450 (-6.7%) $201,891 (0.2%) 0.00 190
    2020-06-01 $130,950 (-24.7%) $197,425 (-6.3%) 0.00 179
    2020-07-01 $143,750 (-19.4%) $194,629 (-10.9%) 0.00 169
    2020-08-01 $156,450 (-8.6%) $198,555 (-7.2%) 0.00 168
    2020-09-01 $149,900 (-8.2%) $189,855 (-9.2%) 0.00 185
    2020-10-01 $143,500 (-9.1%) $188,283 (-8.7%) 0.00 188
    2020-11-01 $136,625 (-14.1%) $181,722 (-14.7%) 0.00 191
    2020-12-01 $138,450 (3.4%) $175,956 (-13.6%) 0.00 169
    2021-01-01 $129,900 (0.0%) $171,232 (-11.5%) 0.00 140
    2021-02-01 $136,200 (0.9%) $175,130 (-11.0%) 0.00 124
    2021-03-01 $133,225 (-14.5%) $177,243 (-10.7%) 0.00 116
    2021-04-01 $129,975 (-16.1%) $175,866 (-11.1%) 0.00 106
    2021-05-01 $145,450 (-7.6%) $179,821 (-10.9%) 0.00 94
    2021-06-01 $152,425 (16.4%) $201,367 (2.0%) 0.00 120
    2021-07-01 $155,000 (7.8%) $211,767 (8.8%) 0.00 140
    2021-08-01 $164,950 (5.4%) $219,874 (10.7%) 0.00 142
    2021-09-01 $167,000 (11.4%) $220,728 (16.3%) 0.00 142
    2021-10-01 $162,450 (13.2%) $218,143 (15.9%) 0.00 158
    2021-11-01 $166,000 (21.5%) $222,589 (22.5%) 0.00 149
    2021-12-01 $166,225 (20.1%) $226,295 (28.6%) 0.00 133
    2022-01-01 $175,000 (34.7%) $226,699 (32.4%) 0.00 106
    2022-02-01 $175,000 (28.5%) $233,371 (33.3%) 0.00 99
    2022-03-01 $171,900 (29.0%) $216,168 (22.0%) 0.00 91
    2022-04-01 $184,000 (41.6%) $223,924 (27.3%) 0.00 101
    2022-05-01 $186,750 (28.4%) $239,428 (33.2%) 0.00 117
    2022-06-01 $193,200 (26.8%) $239,934 (19.2%) 0.00 130
    2022-07-01 $182,500 (17.7%) $230,957 (9.1%) 0.00 127
    2022-08-01 $186,200 (12.9%) $234,322 (6.6%) 0.00 121
    2022-09-01 $199,750 (19.6%) $236,602 (7.2%) 0.00 129
    2022-10-01 $196,500 (21.0%) $232,375 (6.5%) 0.00 135
    2022-11-01 $203,250 (22.4%) $226,611 (1.8%) 0.00 139
    2022-12-01 $207,000 (24.5%) $252,508 (11.6%) 0.00 119
    2023-01-01 $192,250 (9.9%) $242,520 (7.0%) 0.00 107
    2023-02-01 $197,250 (12.7%) $248,979 (6.7%) 0.00 105
    2023-03-01 $189,750 (10.4%) $246,037 (13.8%) 0.00 107
    2023-04-01 $158,750 (-13.7%) $226,917 (1.3%) 0.00 123
    2023-05-01 $172,225 (-7.8%) $231,289 (-3.4%) 0.00 127
    2023-06-01 $209,500 (8.4%) $239,377 (-0.2%) 0.00 129
    2023-07-01 $204,250 (11.9%) $251,260 (8.8%) 0.00 111
    2023-08-01 $207,500 (11.4%) $307,448 (31.2%) 0.00 122
    2023-09-01 $198,800 (-0.5%) $283,196 (19.7%) 0.00 144
    2023-10-01 $176,425 (-10.2%) $264,748 (13.9%) 0.00 148
    2023-11-01 $184,850 (-9.1%) $265,949 (17.4%) 0.00 157
    2023-12-01 $172,250 (-16.8%) $247,036 (-2.2%) 0.00 161
    2024-01-01 $172,225 (-10.4%) $242,243 (-0.1%) 0.00 148
    2024-02-01 $185,325 (-6.1%) $243,103 (-2.4%) 0.00 132
    2024-03-01 $194,950 (2.7%) $258,101 (4.9%) 0.00 134
    2024-04-01 $201,725 (27.1%) $256,684 (13.1%) 0.00 126
    2024-05-01 $192,000 (11.5%) $249,801 (8.0%) 0.00 128
    2024-06-01 $199,900 (-4.6%) $248,137 (3.7%) 0.00 130
    2024-07-01 $205,749 (0.7%) $245,840 (-2.2%) 0.00 127
    2024-08-01 $194,900 (-6.1%) $230,903 (-24.9%) 0.00 139
    2024-09-01 $175,000 (-12.0%) $241,644 (-14.7%) 0.00 137
    2024-10-01 $199,300 (13.0%) $252,644 (-4.6%) 0.00 131
    2024-11-01 $200,000 (8.2%) $232,384 (-12.6%) 0.00 132
    Clarksburg's median listing price for 2024-11-01 was $200,000, a difference of $15,150 (8.2%) versus the prior year and $700 versus the prior month.

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

    Clarksburg's average listing price for 2024-11-01 was $232,384, a difference of $-33,565 (-12.6%) versus the prior year and $-20,260 versus the prior month.

    For the 2024-11-01 period, Clarksburg had 132 MLS listings, a difference of 1 listings (1%) versus the prior month and -25 listings (-16%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Clarksburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,728 sqft
    2018-02-01 0 days 1,776 sqft
    2018-03-01 0 days 1,800 sqft
    2018-04-01 0 days 1,800 sqft
    2018-05-01 0 days 1,800 sqft
    2018-06-01 0 days 1,904 sqft
    2018-07-01 0 days 1,896 sqft
    2018-08-01 0 days 1,837 sqft
    2018-09-01 0 days 1,865 sqft
    2018-10-01 0 days 1,800 sqft
    2018-11-01 0 days 1,800 sqft
    2018-12-01 0 days 1,792 sqft
    2019-01-01 0 days 1,798 sqft
    2019-02-01 0 days 1,832 sqft
    2019-03-01 0 days 1,778 sqft
    2019-04-01 0 days 1,734 sqft
    2019-05-01 0 days 1,799 sqft
    2019-06-01 0 days 1,863 sqft
    2019-07-01 0 days 1,910 sqft
    2019-08-01 0 days 1,860 sqft
    2019-09-01 0 days 1,784 sqft
    2019-10-01 0 days 1,754 sqft
    2019-11-01 0 days 1,781 sqft
    2019-12-01 0 days 1,700 sqft
    2020-01-01 0 days 1,619 sqft
    2020-02-01 0 days 1,672 sqft
    2020-03-01 0 days 1,680 sqft
    2020-04-01 0 days 1,734 sqft
    2020-05-01 0 days 1,728 sqft
    2020-06-01 0 days 1,738 sqft
    2020-07-01 0 days 1,680 sqft
    2020-08-01 0 days 1,686 sqft
    2020-09-01 0 days 1,628 sqft
    2020-10-01 0 days 1,600 sqft
    2020-11-01 0 days 1,559 sqft
    2020-12-01 0 days 1,580 sqft
    2021-01-01 0 days 1,533 sqft
    2021-02-01 0 days 1,511 sqft
    2021-03-01 0 days 1,474 sqft
    2021-04-01 0 days 1,512 sqft
    2021-05-01 0 days 1,412 sqft
    2021-06-01 0 days 1,504 sqft
    2021-07-01 0 days 1,579 sqft
    2021-08-01 0 days 1,681 sqft
    2021-09-01 0 days 1,685 sqft
    2021-10-01 0 days 1,629 sqft
    2021-11-01 0 days 1,629 sqft
    2021-12-01 0 days 1,605 sqft
    2022-01-01 0 days 1,630 sqft
    2022-02-01 0 days 1,663 sqft
    2022-03-01 0 days 1,756 sqft
    2022-04-01 0 days 1,623 sqft
    2022-05-01 0 days 1,648 sqft
    2022-06-01 0 days 1,712 sqft
    2022-07-01 0 days 1,697 sqft
    2022-08-01 0 days 1,748 sqft
    2022-09-01 0 days 1,678 sqft
    2022-10-01 0 days 1,680 sqft
    2022-11-01 0 days 1,673 sqft
    2022-12-01 0 days 1,752 sqft
    2023-01-01 0 days 1,749 sqft
    2023-02-01 0 days 1,796 sqft
    2023-03-01 0 days 1,774 sqft
    2023-04-01 0 days 1,616 sqft
    2023-05-01 0 days 1,748 sqft
    2023-06-01 0 days 1,741 sqft
    2023-07-01 0 days 1,686 sqft
    2023-08-01 0 days 1,724 sqft
    2023-09-01 0 days 1,716 sqft
    2023-10-01 0 days 1,660 sqft
    2023-11-01 0 days 1,646 sqft
    2023-12-01 0 days 1,606 sqft
    2024-01-01 0 days 1,608 sqft
    2024-02-01 0 days 1,640 sqft
    2024-03-01 0 days 1,653 sqft
    2024-04-01 0 days 1,637 sqft
    2024-05-01 0 days 1,577 sqft
    2024-06-01 0 days 1,636 sqft
    2024-07-01 0 days 1,579 sqft
    2024-08-01 0 days 1,668 sqft
    2024-09-01 0 days 1,655 sqft
    2024-10-01 0 days 1,703 sqft
    2024-11-01 0 days 1,661 sqft
    Clarksburg's median listing age (time on market) for 2024-11-01 was 0 days.

    Clarksburg's median square footage for active listings during the 2024-11-01 period was 1,661 sqft. One year prior, the average listing was 1,646 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.