Crossville VA Loan Rates, Closing Costs & Stats

Crossville, TN

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.

Crossville's 47 lenders originated 182 VA loans during 2024. The total origination value was $56,920,000, with an average VA loan value of $312,747.

Crossville VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Crossville averaged 6.41% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

Crossville's average VA mortgage closing costs are $5,713.

The average rate for the prior week (2025-03-28) was 6.73% and one month ago for the week of 2025-02-28, the average rate was 6.91%.

The average rate one year ago was 6.92%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.23%.

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

Crossville 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 Crossville level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mortgage Research Center, LLC 35 6.41% $6,811
UNITED WHOLESALE MORTGAGE, LLC 19 5.87% $6,354
VAN DYK MORTGAGE CORPORATION 15 6.52% $7,986
QUICKEN LOANS, LLC 12 6.26% $9,539
FREEDOM MORTGAGE CORPORATION 7 6.13% $11,238
NAVY FEDERAL CREDIT UNION 7 5.95% $7,816
NEW DAY FINANCIAL, LLC 6 6.89% $13,118
VILLAGE CAPITAL MORTGAGE 6 5.77% $4,243
MORTGAGE INVESTORS GROUP, INC. 4 6.28% $10,195
BROKER SOLUTIONS, INC. 4 6.81% $15,490
USAA Federal Savings Bank 4 5.91% $6,237
Mr. Cooper ( Nationstar Mortgage ) 3 6.21% $8,268
AmeriHome Mortgage Company, LLC 3 6.25% $4,124
PENNYMAC LOAN SERVICES, LLC 3 5.92% $7,692
LOANDEPOT.COM, LLC 3 6.12% $7,044
Flagstar Bank, FSB 3 6.38% $8,507
The Federal Savings Bank 2 6.31% $16,184
LOANPAL, LLC 2 5.56% $8,759
SOUTHWEST STAGE FUNDING, LLC 2 5.88% $36
LAKEVIEW LOAN SERVICING, LLC 2 6.69% $6,582
MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.06% $6,538
CMG MORTGAGE, INC. 2 6.69% $9,363
The First National Bank of Middle Tennessee 1 5.25% $21,028
Wells Fargo Bank 1 6.75% $2,208
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.13% $11,242
Wolfe Financial, Inc 1 6.25% $21,139
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.13% $4,812
CLEARPATH LENDING 1 5.75% $5,319
DAS Acquisition Company, LLC 1 6.75% $135
EMBRACE HOME LOANS, INC. 1 6.49% $8,368
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $9,958
FirstBank 1 7.13% $4,852
FIRST COMMUNITY MORTGAGE, INC. 1 6.88% $10,930
First Federal Bank 1 5.63% $5,337
Gateway First Bank 1 6.75% $13,439
GUARANTEED RATE, INC. 1 6.55% $5,258
GUARANTY MORTGAGE SERVICES, L.L.C. 1 6.75% $10,507
MILEND, INC. 1 7.25% $11,909
MOVEMENT MORTGAGE, LLC 1 6.13% $12,610
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $13,571
NBKC BANK 1 6.13% $2,885
Paramount Residential Mortgage Group, Inc. 1 5.25% $834
PLANET HOME LENDING, LLC 1 5.99% $2,099
RELIANCE FIRST CAPITAL, LLC 1 7.25% $8,280
STOCKTON MORTGAGE CORPORATION 1 7.25% $2,001
SUCCESS MORTGAGE PARTNERS, INC. 1 5.63% $14,908
SUN WEST MORTGAGE COMPANY, INC. 1 5.25% $4,716

The top Crossville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 35 VA loans originated. Their average total fees are $6,811, which is $458 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Crossville VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($6,354), Mortgage Research Center, LLC ($6,811), VAN DYK MORTGAGE CORPORATION ($7,986), QUICKEN LOANS, LLC ($9,539) and .

The lowest rate Crossville VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.87%), QUICKEN LOANS, LLC (6.26%), Mortgage Research Center, LLC (6.41%), VAN DYK MORTGAGE CORPORATION (6.52%) and .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Crossville (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 $189,600 (5.7%) $234,784 (10.2%) 0.00 405
2018-02-01 $196,775 (6.9%) $237,779 (9.4%) 0.00 386
2018-03-01 $199,900 (9.9%) $244,631 (13.2%) 0.00 395
2018-04-01 $209,450 (19.1%) $249,644 (16.2%) 0.00 410
2018-05-01 $222,400 (24.1%) $261,934 (19.1%) 0.00 417
2018-06-01 $219,900 (22.2%) $259,689 (15.0%) 0.00 449
2018-07-01 $216,975 (17.3%) $258,892 (12.9%) 0.00 467
2018-08-01 $212,400 (10.6%) $258,258 (10.5%) 0.00 446
2018-09-01 $214,900 (8.8%) $259,849 (9.7%) 0.00 463
2018-10-01 $213,975 (8.3%) $258,097 (7.0%) 0.00 473
2018-11-01 $210,950 (6.0%) $253,196 (4.4%) 0.00 450
2018-12-01 $213,950 (12.7%) $255,516 (9.6%) 0.00 416
2019-01-01 $218,000 (15.0%) $261,796 (11.5%) 0.00 391
2019-02-01 $204,825 (4.1%) $256,291 (7.8%) 0.00 405
2019-03-01 $212,114 (6.1%) $256,150 (4.7%) 0.00 412
2019-04-01 $224,889 (7.4%) $260,366 (4.3%) 0.00 427
2019-05-01 $219,950 (-1.1%) $259,071 (-1.1%) 0.00 420
2019-06-01 $229,900 (4.6%) $266,623 (2.7%) 0.00 428
2019-07-01 $240,950 (11.1%) $278,746 (7.7%) 0.00 441
2019-08-01 $240,664 (13.3%) $280,841 (8.7%) 0.00 425
2019-09-01 $234,609 (9.2%) $281,593 (8.4%) 0.00 416
2019-10-01 $235,573 (10.1%) $284,705 (10.3%) 0.00 410
2019-11-01 $245,833 (16.5%) $291,833 (15.3%) 0.00 394
2019-12-01 $240,500 (12.4%) $289,775 (13.4%) 0.00 374
2020-01-01 $239,900 (10.1%) $288,983 (10.4%) 0.00 336
2020-02-01 $239,900 (17.1%) $285,299 (11.3%) 0.00 340
2020-03-01 $238,700 (12.5%) $284,106 (10.9%) 0.00 339
2020-04-01 $239,900 (6.7%) $284,602 (9.3%) 0.00 325
2020-05-01 $253,700 (15.3%) $291,357 (12.5%) 0.00 311
2020-06-01 $251,900 (9.6%) $290,302 (8.9%) 0.00 297
2020-07-01 $259,900 (7.9%) $298,106 (7.0%) 0.00 273
2020-08-01 $250,000 (3.9%) $296,027 (5.4%) 0.00 235
2020-09-01 $262,450 (11.9%) $304,052 (8.0%) 0.00 220
2020-10-01 $249,000 (5.7%) $290,823 (2.2%) 0.00 196
2020-11-01 $256,375 (4.3%) $289,320 (-0.9%) 0.00 192
2020-12-01 $264,450 (10.0%) $291,130 (0.5%) 0.00 176
2021-01-01 $249,900 (4.2%) $286,476 (-0.9%) 0.00 137
2021-02-01 $221,200 (-7.8%) $269,958 (-5.4%) 0.00 122
2021-03-01 $232,450 (-2.6%) $282,150 (-0.7%) 0.00 117
2021-04-01 $275,957 (15.0%) $310,182 (9.0%) 0.00 139
2021-05-01 $277,000 (9.2%) $321,046 (10.2%) 0.00 153
2021-06-01 $285,000 (13.1%) $349,275 (20.3%) 0.00 164
2021-07-01 $299,997 (15.4%) $367,518 (23.3%) 0.00 188
2021-08-01 $299,925 (20.0%) $358,168 (21.0%) 0.00 221
2021-09-01 $287,625 (9.6%) $351,474 (15.6%) 0.00 231
2021-10-01 $279,000 (12.1%) $347,096 (19.4%) 0.00 224
2021-11-01 $292,175 (14.0%) $367,059 (26.9%) 0.00 196
2021-12-01 $307,975 (16.5%) $383,777 (31.8%) 0.00 184
2022-01-01 $299,900 (20.0%) $375,972 (31.2%) 0.00 159
2022-02-01 $299,900 (35.6%) $376,749 (39.6%) 0.00 138
2022-03-01 $308,450 (32.7%) $394,346 (39.8%) 0.00 131
2022-04-01 $327,000 (18.5%) $426,216 (37.4%) 0.00 144
2022-05-01 $345,625 (24.8%) $433,705 (35.1%) 0.00 174
2022-06-01 $343,100 (20.4%) $436,010 (24.8%) 0.00 195
2022-07-01 $350,000 (16.7%) $453,919 (23.5%) 0.00 237
2022-08-01 $352,200 (17.4%) $441,216 (23.2%) 0.00 251
2022-09-01 $347,607 (20.9%) $430,113 (22.4%) 0.00 250
2022-10-01 $349,900 (25.4%) $431,446 (24.3%) 0.00 259
2022-11-01 $350,000 (19.8%) $430,563 (17.3%) 0.00 253
2022-12-01 $349,900 (13.6%) $439,429 (14.5%) 0.00 265
2023-01-01 $349,500 (16.5%) $438,464 (16.6%) 0.00 251
2023-02-01 $338,250 (12.8%) $422,474 (12.1%) 0.00 249
2023-03-01 $342,450 (11.0%) $412,790 (4.7%) 0.00 238
2023-04-01 $349,000 (6.7%) $419,166 (-1.7%) 0.00 239
2023-05-01 $345,975 (0.1%) $433,467 (-0.1%) 0.00 254
2023-06-01 $349,975 (2.0%) $438,431 (0.6%) 0.00 261
2023-07-01 $377,450 (7.8%) $456,938 (0.7%) 0.00 252
2023-08-01 $373,425 (6.0%) $456,962 (3.6%) 0.00 266
2023-09-01 $375,000 (7.9%) $458,136 (6.5%) 0.00 261
2023-10-01 $374,900 (7.1%) $453,956 (5.2%) 0.00 273
2023-11-01 $372,075 (6.3%) $439,843 (2.2%) 0.00 280
2023-12-01 $367,000 (4.9%) $439,327 (0.0%) 0.00 275
2024-01-01 $369,200 (5.6%) $438,302 (0.0%) 0.00 266
2024-02-01 $367,950 (8.8%) $427,759 (1.3%) 0.00 272
2024-03-01 $374,900 (9.5%) $430,738 (4.4%) 0.00 298
2024-04-01 $374,450 (7.3%) $429,259 (2.4%) 0.00 320
2024-05-01 $378,000 (9.3%) $429,027 (-1.0%) 0.00 367
2024-06-01 $379,000 (8.3%) $435,055 (-0.8%) 0.00 382
2024-07-01 $384,750 (1.9%) $435,851 (-4.6%) 0.00 398
2024-08-01 $379,900 (1.7%) $441,058 (-3.5%) 0.00 413
2024-09-01 $379,000 (1.1%) $445,155 (-2.8%) 0.00 425
2024-10-01 $383,450 (2.3%) $454,389 (0.1%) 0.00 457
2024-11-01 $384,900 (3.5%) $452,015 (2.8%) 0.00 426
2024-12-01 $389,000 (6.0%) $461,483 (5.0%) 0.00 382
2025-01-01 $389,000 (5.4%) $478,265 (9.1%) 0.00 362
2025-02-01 $397,250 (8.0%) $484,161 (13.2%) 0.00 379
2025-03-01 $399,250 (6.5%) $484,392 (12.5%) 0.00 429
Crossville's median listing price for 2025-03-01 was $399,250, a difference of $24,350 (6.5%) versus the prior year and $2,000 versus the prior month.

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

Crossville's average listing price for 2025-03-01 was $484,392, a difference of $53,654 (12.5%) versus the prior year and $231 versus the prior month.

For the 2025-03-01 period, Crossville had 429 MLS listings, a difference of 50 listings (13%) versus the prior month and 131 listings (44%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Crossville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,843 sqft
2018-02-01 0 days 1,866 sqft
2018-03-01 0 days 1,893 sqft
2018-04-01 0 days 1,898 sqft
2018-05-01 0 days 1,917 sqft
2018-06-01 0 days 1,928 sqft
2018-07-01 0 days 1,934 sqft
2018-08-01 0 days 1,902 sqft
2018-09-01 0 days 1,907 sqft
2018-10-01 0 days 1,905 sqft
2018-11-01 0 days 1,930 sqft
2018-12-01 0 days 1,962 sqft
2019-01-01 0 days 2,001 sqft
2019-02-01 0 days 1,852 sqft
2019-03-01 0 days 1,878 sqft
2019-04-01 0 days 1,927 sqft
2019-05-01 0 days 1,925 sqft
2019-06-01 0 days 1,944 sqft
2019-07-01 0 days 1,962 sqft
2019-08-01 0 days 1,968 sqft
2019-09-01 0 days 1,970 sqft
2019-10-01 0 days 2,001 sqft
2019-11-01 0 days 2,000 sqft
2019-12-01 0 days 1,966 sqft
2020-01-01 0 days 1,949 sqft
2020-02-01 0 days 1,951 sqft
2020-03-01 0 days 1,925 sqft
2020-04-01 0 days 1,905 sqft
2020-05-01 0 days 1,954 sqft
2020-06-01 0 days 1,959 sqft
2020-07-01 0 days 2,037 sqft
2020-08-01 0 days 1,943 sqft
2020-09-01 0 days 1,932 sqft
2020-10-01 0 days 1,827 sqft
2020-11-01 0 days 1,793 sqft
2020-12-01 0 days 1,768 sqft
2021-01-01 0 days 1,742 sqft
2021-02-01 0 days 1,640 sqft
2021-03-01 0 days 1,770 sqft
2021-04-01 0 days 1,857 sqft
2021-05-01 0 days 1,852 sqft
2021-06-01 0 days 1,909 sqft
2021-07-01 0 days 1,904 sqft
2021-08-01 0 days 1,864 sqft
2021-09-01 0 days 1,806 sqft
2021-10-01 0 days 1,790 sqft
2021-11-01 0 days 1,813 sqft
2021-12-01 0 days 1,832 sqft
2022-01-01 0 days 1,847 sqft
2022-02-01 0 days 1,868 sqft
2022-03-01 0 days 1,800 sqft
2022-04-01 0 days 1,850 sqft
2022-05-01 0 days 1,866 sqft
2022-06-01 0 days 1,860 sqft
2022-07-01 0 days 1,861 sqft
2022-08-01 0 days 1,859 sqft
2022-09-01 0 days 1,824 sqft
2022-10-01 0 days 1,847 sqft
2022-11-01 0 days 1,840 sqft
2022-12-01 0 days 1,846 sqft
2023-01-01 0 days 1,807 sqft
2023-02-01 0 days 1,753 sqft
2023-03-01 0 days 1,755 sqft
2023-04-01 0 days 1,756 sqft
2023-05-01 0 days 1,714 sqft
2023-06-01 0 days 1,714 sqft
2023-07-01 0 days 1,750 sqft
2023-08-01 0 days 1,734 sqft
2023-09-01 0 days 1,755 sqft
2023-10-01 0 days 1,779 sqft
2023-11-01 0 days 1,739 sqft
2023-12-01 0 days 1,758 sqft
2024-01-01 0 days 1,708 sqft
2024-02-01 0 days 1,714 sqft
2024-03-01 0 days 1,722 sqft
2024-04-01 0 days 1,768 sqft
2024-05-01 0 days 1,769 sqft
2024-06-01 0 days 1,776 sqft
2024-07-01 0 days 1,788 sqft
2024-08-01 0 days 1,761 sqft
2024-09-01 0 days 1,787 sqft
2024-10-01 0 days 1,782 sqft
2024-11-01 0 days 1,763 sqft
2024-12-01 0 days 1,760 sqft
2025-01-01 0 days 1,781 sqft
2025-02-01 0 days 1,800 sqft
2025-03-01 0 days 1,768 sqft
Crossville's median listing age (time on market) for 2025-03-01 was 0 days.

Crossville's median square footage for active listings during the 2025-03-01 period was 1,768 sqft. One year prior, the average listing was 1,722 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.