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 30 lenders originated 57 VA loans during 2023. The total origination value was $11,595,000, with an average VA loan value of $203,421.

    Dubois VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Dubois averaged 6.36% for the week of 2024-11-08, compared to the national average (all VA variants) of 6.34% for the same period.

    Dubois's average VA mortgage closing costs are $5,490.

    The average rate for the prior week (2024-11-01) was 6.41% and one month ago for the week of 2024-10-04, the average rate was 6.04%.

    The average rate one year ago was 7.7%.

    For refis of the same type during the week of 2024-11-08, the average rate was 6.54%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 18 6.86% $6,422
    QUICKEN LOANS, LLC 4 6.62% $9,306
    UNITED WHOLESALE MORTGAGE, LLC 3 6.79% $6,763
    NAVY FEDERAL CREDIT UNION 2 5.81% $3,647
    PENNYMAC LOAN SERVICES, LLC 2 4.94% $7,321
    NEWREZ LLC 2 6.50% $8,099
    USAA Federal Savings Bank 2 6.44% $4,196
    CONTOUR MORTGAGE CORPORATION 1 7.50% $7,715
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $10,933
    EQUITY RESOURCES, INC. 1 6.99% $6,942
    FIRST COLONY MORTGAGE CORPORATION 1 7.25% $3,237
    First Savings Bank 1 7.25% $8,655
    Flagstar Bank, FSB 1 6.25% $2,906
    GUARANTEED RATE, INC. 1 6.88% $3,554
    GUILD MORTGAGE COMPANY 1 6.50% $16,639
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 7.00% $10,155
    LOANPAL, LLC 1 6.99% $7,098
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.50% $7,715
    Mr. Cooper ( Nationstar Mortgage ) 1 7.25% $28,344
    NEW DAY FINANCIAL, LLC 1 6.99% $7,680
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $10,592
    ROYAL UNITED MORTGAGE LLC 1 7.63% $8,234
    UNION HOME MORTGAGE CORP. 1 6.63% $8,218
    LOANDEPOT.COM, LLC 1 7.75% $5,698
    AMERICAN FINANCING CORPORATION 1 6.99% $8,072
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.99% $17,145
    AMERISAVE MORTGAGE CORPORATION 1 6.25% $23,126
    AmeriServ Financial Bank 1 6.49% $3,578
    BROKER SOLUTIONS, INC. 1 7.13% $5,810
    Citizens Bank 1 6.88% $3,023

    The top Dubois VA lender as defined by loan originations is Mortgage Research Center, LLC, with 18 VA loans originated. Their average total fees are $6,422, which is $2,884 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Dubois VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,422), .

    The lowest rate Dubois VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.86%), .

    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 $119,675 (6.9%) $142,664 (-4.7%) 0.00 273
    2018-02-01 $119,900 (9.4%) $145,866 (-5.9%) 0.00 259
    2018-03-01 $125,000 (13.6%) $153,715 (-0.9%) 0.00 252
    2018-04-01 $130,000 (16.6%) $158,829 (4.4%) 0.00 263
    2018-05-01 $127,950 (10.8%) $164,521 (8.2%) 0.00 278
    2018-06-01 $125,000 (4.3%) $157,459 (0.8%) 0.00 291
    2018-07-01 $119,925 (0.0%) $156,586 (1.6%) 0.00 292
    2018-08-01 $119,900 (-0.7%) $153,710 (4.9%) 0.00 283
    2018-09-01 $118,500 (-5.1%) $154,802 (3.5%) 0.00 285
    2018-10-01 $117,500 (-4.7%) $152,599 (2.5%) 0.00 287
    2018-11-01 $118,500 (-4.5%) $155,182 (6.0%) 0.00 294
    2018-12-01 $105,000 (-12.5%) $150,811 (3.5%) 0.00 271
    2019-01-01 $100,550 (-16.0%) $148,147 (3.8%) 0.00 242
    2019-02-01 $102,450 (-14.6%) $146,765 (0.6%) 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 (-3.8%) 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 (7.6%) 0.00 255
    2019-08-01 $119,850 (0.0%) $171,578 (11.6%) 0.00 263
    2019-09-01 $119,625 (1.0%) $176,531 (14.0%) 0.00 261
    2019-10-01 $119,700 (1.9%) $179,700 (17.8%) 0.00 258
    2019-11-01 $119,900 (1.2%) $175,493 (13.1%) 0.00 250
    2019-12-01 $118,100 (12.5%) $173,572 (15.1%) 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 $124,900 (4.1%) $239,560 (30.7%) 0.00 108
    2022-02-01 $120,850 (-3.3%) $241,799 (25.0%) 0.00 96
    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 $147,725 (18.3%) $253,930 (6.0%) 0.00 105
    2023-02-01 $143,200 (18.5%) $257,508 (6.5%) 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 (-4.0%) $241,520 (-4.9%) 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 $176,000 (15.4%) $291,567 (12.6%) 0.00 95
    2024-06-01 $194,250 (26.8%) $287,720 (16.5%) 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
    Dubois's median listing price for 2024-10-01 was $170,975, a difference of $12,325 (7.8%) versus the prior year and $-13,925 versus the prior month.

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

    Dubois's average listing price for 2024-10-01 was $241,594, a difference of $-12,678 (-5.0%) versus the prior year and $-27,373 versus the prior month.

    For the 2024-10-01 period, Dubois had 142 MLS listings, a difference of 2 listings (1%) versus the prior month and 26 listings (22%) 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 1,746 sqft
    2018-02-01 0 days 1,735 sqft
    2018-03-01 0 days 1,816 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 1,778 sqft
    2018-11-01 0 days 1,727 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 1,664 sqft
    2019-12-01 0 days 1,655 sqft
    2020-01-01 0 days 1,657 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 1,613 sqft
    2022-02-01 0 days 1,602 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 1,659 sqft
    2023-02-01 0 days 1,668 sqft
    2023-03-01 0 days 1,686 sqft
    2023-04-01 0 days 1,645 sqft
    2023-05-01 0 days 1,624 sqft
    2023-06-01 0 days 1,668 sqft
    2023-07-01 0 days 1,754 sqft
    2023-08-01 0 days 1,619 sqft
    2023-09-01 0 days 1,636 sqft
    2023-10-01 0 days 1,754 sqft
    2023-11-01 0 days 1,534 sqft
    2023-12-01 0 days 1,581 sqft
    2024-01-01 0 days 1,568 sqft
    2024-02-01 0 days 1,740 sqft
    2024-03-01 0 days 1,800 sqft
    2024-04-01 0 days 1,832 sqft
    2024-05-01 0 days 1,832 sqft
    2024-06-01 0 days 1,848 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
    Dubois's median listing age (time on market) for 2024-10-01 was 0 days.

    Dubois's median square footage for active listings during the 2024-10-01 period was 1,715 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.