Dubois VA Loan Rates, Closing Costs & Stats

DuBois, 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.

    Dubois's 21 lenders originated 75 VA loans during 2024. The total origination value was $15,575,000, with an average VA loan value of $207,667.

    Dubois VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Dubois 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.

    Dubois's average VA mortgage closing costs are $5,627.

    The average rate for the prior week (2025-03-28) was 6.53% and one month ago for the week of 2025-02-28, the average rate was 6.71%.

    The average rate one year ago was 7.02%.

    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.

    Dubois 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 Dubois level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 28 6.54% $4,552
    NEWREZ LLC 6 6.35% $5,223
    NEW DAY FINANCIAL, LLC 5 7.47% $11,712
    UNITED WHOLESALE MORTGAGE, LLC 4 5.94% $6,719
    QUICKEN LOANS, LLC 3 6.54% $7,429
    PENNYMAC LOAN SERVICES, LLC 3 5.50% $10,107
    PLAZA HOME MORTGAGE, INC. 3 7.21% $7,279
    Mr. Cooper ( Nationstar Mortgage ) 3 6.25% $7,791
    Barrington Bank & Trust Company, N.A. 2 7.25% $4,517
    Equity Prime Mortgage LLC 2 7.13% $4,795
    Citizens Bank 2 5.88% $13,057
    First National Bank of Pennsylvania 2 6.00% $6,251
    FREEDOM MORTGAGE CORPORATION 2 6.56% $10,438
    VILLAGE CAPITAL MORTGAGE 1 5.75% $3,104
    Century Mortgage Company DBA Century Lending Company 1 6.75% $4,706
    CROSSCOUNTRY MORTGAGE, LLC 1 7.25% $15,420
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $7,241
    NAVY FEDERAL CREDIT UNION 1 6.00% $4,291
    Presidential Bank, FSB 1 5.25% $9,007
    USAA Federal Savings Bank 1 6.63% $7,074
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $1,598

    The top Dubois VA lender as defined by loan originations is Mortgage Research Center, LLC, with 28 VA loans originated. Their average total fees are $4,552, which is $671 lower than the next largest lender, NEWREZ LLC.

    The lowest fee Dubois VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,552), .

    The lowest rate Dubois VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.54%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dubois (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 $119,450 (6.7%) $142,452 (-4.9%) 0.00 274
    2018-02-01 $119,900 (9.4%) $145,635 (-6.1%) 0.00 260
    2018-03-01 $125,000 (13.6%) $153,657 (-0.9%) 0.00 253
    2018-04-01 $130,000 (16.6%) $158,734 (4.3%) 0.00 265
    2018-05-01 $127,950 (11.3%) $164,396 (8.3%) 0.00 280
    2018-06-01 $125,000 (4.3%) $157,385 (0.8%) 0.00 293
    2018-07-01 $119,925 (0.0%) $156,493 (1.5%) 0.00 294
    2018-08-01 $119,900 (0.4%) $153,631 (5.0%) 0.00 285
    2018-09-01 $118,500 (-5.1%) $154,718 (3.6%) 0.00 287
    2018-10-01 $117,500 (-4.0%) $152,770 (2.8%) 0.00 288
    2018-11-01 $119,000 (-3.7%) $155,345 (6.2%) 0.00 295
    2018-12-01 $108,500 (-9.6%) $150,988 (3.7%) 0.00 271
    2019-01-01 $100,550 (-15.8%) $148,147 (4.0%) 0.00 242
    2019-02-01 $102,450 (-14.6%) $146,765 (0.8%) 0.00 224
    2019-03-01 $107,143 (-14.3%) $153,416 (-0.2%) 0.00 230
    2019-04-01 $109,643 (-15.7%) $159,222 (0.3%) 0.00 238
    2019-05-01 $108,950 (-14.9%) $158,325 (-3.7%) 0.00 238
    2019-06-01 $114,900 (-8.1%) $161,370 (2.5%) 0.00 238
    2019-07-01 $120,000 (0.1%) $168,481 (7.7%) 0.00 255
    2019-08-01 $119,850 (0.0%) $171,578 (11.7%) 0.00 263
    2019-09-01 $119,625 (1.0%) $176,531 (14.1%) 0.00 261
    2019-10-01 $119,700 (1.9%) $179,700 (17.6%) 0.00 258
    2019-11-01 $119,900 (0.8%) $175,493 (13.0%) 0.00 250
    2019-12-01 $118,100 (8.9%) $173,572 (15.0%) 0.00 237
    2020-01-01 $119,900 (19.2%) $178,958 (20.8%) 0.00 222
    2020-02-01 $113,000 (10.3%) $177,583 (21.0%) 0.00 217
    2020-03-01 $119,450 (11.5%) $165,949 (8.2%) 0.00 209
    2020-04-01 $119,425 (8.9%) $159,813 (0.4%) 0.00 190
    2020-05-01 $119,950 (10.1%) $159,459 (0.7%) 0.00 188
    2020-06-01 $119,900 (4.4%) $152,410 (-5.6%) 0.00 186
    2020-07-01 $129,900 (8.3%) $169,929 (0.9%) 0.00 172
    2020-08-01 $120,000 (0.1%) $167,696 (-2.3%) 0.00 154
    2020-09-01 $129,900 (8.6%) $183,106 (3.7%) 0.00 149
    2020-10-01 $139,900 (16.9%) $200,067 (11.3%) 0.00 148
    2020-11-01 $125,000 (4.3%) $196,780 (12.1%) 0.00 142
    2020-12-01 $127,225 (7.7%) $190,865 (10.0%) 0.00 142
    2021-01-01 $120,000 (0.1%) $183,270 (2.4%) 0.00 138
    2021-02-01 $124,950 (10.6%) $193,452 (8.9%) 0.00 124
    2021-03-01 $122,475 (2.5%) $193,645 (16.7%) 0.00 111
    2021-04-01 $126,225 (5.7%) $192,910 (20.7%) 0.00 105
    2021-05-01 $109,000 (-9.1%) $199,779 (25.3%) 0.00 106
    2021-06-01 $125,950 (5.1%) $214,864 (41.0%) 0.00 105
    2021-07-01 $131,450 (1.2%) $221,062 (30.1%) 0.00 107
    2021-08-01 $132,800 (10.7%) $238,275 (42.1%) 0.00 121
    2021-09-01 $125,550 (-3.4%) $233,278 (27.4%) 0.00 133
    2021-10-01 $133,000 (-4.9%) $254,101 (27.0%) 0.00 130
    2021-11-01 $140,450 (12.4%) $261,707 (33.0%) 0.00 128
    2021-12-01 $128,375 (0.9%) $255,618 (33.9%) 0.00 116
    2022-01-01 $124,950 (4.1%) $240,848 (31.4%) 0.00 107
    2022-02-01 $122,200 (-2.2%) $242,584 (25.4%) 0.00 95
    2022-03-01 $139,500 (13.9%) $272,316 (40.6%) 0.00 90
    2022-04-01 $155,950 (23.6%) $243,372 (26.2%) 0.00 89
    2022-05-01 $146,200 (34.1%) $232,046 (16.2%) 0.00 92
    2022-06-01 $148,725 (18.1%) $228,750 (6.5%) 0.00 106
    2022-07-01 $158,900 (20.9%) $235,808 (6.7%) 0.00 114
    2022-08-01 $159,150 (19.8%) $230,786 (-3.1%) 0.00 122
    2022-09-01 $149,200 (18.8%) $237,671 (1.9%) 0.00 124
    2022-10-01 $141,000 (6.0%) $229,730 (-9.6%) 0.00 126
    2022-11-01 $146,250 (4.1%) $244,292 (-6.7%) 0.00 128
    2022-12-01 $144,000 (12.2%) $252,870 (-1.1%) 0.00 114
    2023-01-01 $147,450 (18.0%) $253,246 (5.2%) 0.00 105
    2023-02-01 $143,200 (17.2%) $257,508 (6.2%) 0.00 105
    2023-03-01 $158,750 (13.8%) $270,143 (-0.8%) 0.00 101
    2023-04-01 $152,000 (-2.5%) $267,613 (10.0%) 0.00 94
    2023-05-01 $152,475 (4.3%) $258,990 (11.6%) 0.00 84
    2023-06-01 $153,175 (3.0%) $247,033 (8.0%) 0.00 87
    2023-07-01 $167,400 (5.4%) $266,753 (13.1%) 0.00 103
    2023-08-01 $149,950 (-5.8%) $247,687 (7.3%) 0.00 108
    2023-09-01 $152,450 (2.2%) $255,257 (7.4%) 0.00 112
    2023-10-01 $158,650 (12.5%) $254,272 (10.7%) 0.00 116
    2023-11-01 $146,575 (0.2%) $230,632 (-5.6%) 0.00 116
    2023-12-01 $140,500 (-2.4%) $239,684 (-5.2%) 0.00 107
    2024-01-01 $141,850 (-3.8%) $241,520 (-4.6%) 0.00 98
    2024-02-01 $147,175 (2.8%) $250,055 (-2.9%) 0.00 90
    2024-03-01 $162,500 (2.4%) $275,887 (2.1%) 0.00 95
    2024-04-01 $177,950 (17.1%) $296,778 (10.9%) 0.00 92
    2024-05-01 $175,750 (15.3%) $291,567 (12.6%) 0.00 95
    2024-06-01 $199,000 (29.9%) $290,115 (17.4%) 0.00 107
    2024-07-01 $199,950 (19.4%) $286,382 (7.4%) 0.00 123
    2024-08-01 $180,000 (20.0%) $273,930 (10.6%) 0.00 140
    2024-09-01 $184,900 (21.3%) $268,967 (5.4%) 0.00 140
    2024-10-01 $170,975 (7.8%) $241,594 (-5.0%) 0.00 142
    2024-11-01 $171,400 (16.9%) $240,507 (4.3%) 0.00 137
    2024-12-01 $168,750 (20.1%) $234,236 (-2.3%) 0.00 131
    2025-01-01 $154,375 (8.8%) $234,305 (-3.0%) 0.00 100
    2025-02-01 $167,125 (13.6%) $242,244 (-3.1%) 0.00 95
    2025-03-01 $192,500 (18.5%) $260,858 (-5.5%) 0.00 94
    Dubois's median listing price for 2025-03-01 was $192,500, a difference of $30,000 (18.5%) versus the prior year and $25,375 versus the prior month.

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

    Dubois's average listing price for 2025-03-01 was $260,858, a difference of $-15,029 (-5.5%) versus the prior year and $18,614 versus the prior month.

    For the 2025-03-01 period, Dubois had 94 MLS listings, a difference of -1 listings (-1%) versus the prior month and -1 listings (-1%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dubois (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,736 sqft
    2018-02-01 0 days 1,724 sqft
    2018-03-01 0 days 1,815 sqft
    2018-04-01 0 days 1,843 sqft
    2018-05-01 0 days 1,825 sqft
    2018-06-01 0 days 1,800 sqft
    2018-07-01 0 days 1,819 sqft
    2018-08-01 0 days 1,821 sqft
    2018-09-01 0 days 1,800 sqft
    2018-10-01 0 days 1,781 sqft
    2018-11-01 0 days 1,730 sqft
    2018-12-01 0 days 1,696 sqft
    2019-01-01 0 days 1,658 sqft
    2019-02-01 0 days 1,658 sqft
    2019-03-01 0 days 1,706 sqft
    2019-04-01 0 days 1,746 sqft
    2019-05-01 0 days 1,680 sqft
    2019-06-01 0 days 1,705 sqft
    2019-07-01 0 days 1,720 sqft
    2019-08-01 0 days 1,733 sqft
    2019-09-01 0 days 1,731 sqft
    2019-10-01 0 days 1,723 sqft
    2019-11-01 0 days 1,663 sqft
    2019-12-01 0 days 1,655 sqft
    2020-01-01 0 days 1,656 sqft
    2020-02-01 0 days 1,662 sqft
    2020-03-01 0 days 1,656 sqft
    2020-04-01 0 days 1,663 sqft
    2020-05-01 0 days 1,688 sqft
    2020-06-01 0 days 1,714 sqft
    2020-07-01 0 days 1,752 sqft
    2020-08-01 0 days 1,664 sqft
    2020-09-01 0 days 1,676 sqft
    2020-10-01 0 days 1,696 sqft
    2020-11-01 0 days 1,605 sqft
    2020-12-01 0 days 1,576 sqft
    2021-01-01 0 days 1,536 sqft
    2021-02-01 0 days 1,581 sqft
    2021-03-01 0 days 1,558 sqft
    2021-04-01 0 days 1,572 sqft
    2021-05-01 0 days 1,506 sqft
    2021-06-01 0 days 1,643 sqft
    2021-07-01 0 days 1,650 sqft
    2021-08-01 0 days 1,680 sqft
    2021-09-01 0 days 1,669 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,842 sqft
    2021-12-01 0 days 1,725 sqft
    2022-01-01 0 days 1,620 sqft
    2022-02-01 0 days 1,607 sqft
    2022-03-01 0 days 1,650 sqft
    2022-04-01 0 days 1,755 sqft
    2022-05-01 0 days 1,551 sqft
    2022-06-01 0 days 1,539 sqft
    2022-07-01 0 days 1,721 sqft
    2022-08-01 0 days 1,684 sqft
    2022-09-01 0 days 1,661 sqft
    2022-10-01 0 days 1,578 sqft
    2022-11-01 0 days 1,679 sqft
    2022-12-01 0 days 1,732 sqft
    2023-01-01 0 days 1,658 sqft
    2023-02-01 0 days 1,668 sqft
    2023-03-01 0 days 1,686 sqft
    2023-04-01 0 days 1,624 sqft
    2023-05-01 0 days 1,603 sqft
    2023-06-01 0 days 1,673 sqft
    2023-07-01 0 days 1,754 sqft
    2023-08-01 0 days 1,620 sqft
    2023-09-01 0 days 1,640 sqft
    2023-10-01 0 days 1,770 sqft
    2023-11-01 0 days 1,545 sqft
    2023-12-01 0 days 1,584 sqft
    2024-01-01 0 days 1,573 sqft
    2024-02-01 0 days 1,773 sqft
    2024-03-01 0 days 1,812 sqft
    2024-04-01 0 days 1,832 sqft
    2024-05-01 0 days 1,824 sqft
    2024-06-01 0 days 1,858 sqft
    2024-07-01 0 days 1,718 sqft
    2024-08-01 0 days 1,742 sqft
    2024-09-01 0 days 1,751 sqft
    2024-10-01 0 days 1,715 sqft
    2024-11-01 0 days 1,728 sqft
    2024-12-01 0 days 1,641 sqft
    2025-01-01 0 days 1,581 sqft
    2025-02-01 0 days 1,623 sqft
    2025-03-01 0 days 1,885 sqft
    Dubois's median listing age (time on market) for 2025-03-01 was 0 days.

    Dubois's median square footage for active listings during the 2025-03-01 period was 1,885 sqft. One year prior, the average listing was 1,812 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.