East Stroudsburg VA Loan Rates, Closing Costs & Stats

EAST STROUDSBURG, 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.

    East Stroudsburg's 51 lenders originated 243 VA loans during 2024. The total origination value was $78,055,000, with an average VA loan value of $321,214.

    East Stroudsburg VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in East Stroudsburg averaged 7.09% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    East Stroudsburg's average VA mortgage closing costs are $7,247.

    The average rate for the prior week (2025-05-16) was 7.18% and one month ago for the week of 2025-04-18, the average rate was 7.05%.

    The average rate one year ago was 7.36%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.33%.

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

    East Stroudsburg 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 East Stroudsburg level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 50 6.34% $7,954
    UNITED WHOLESALE MORTGAGE, LLC 27 5.90% $10,800
    QUICKEN LOANS, LLC 22 6.16% $11,362
    FREEDOM MORTGAGE CORPORATION 15 6.22% $10,430
    NEW DAY FINANCIAL, LLC 13 7.35% $11,717
    USAA Federal Savings Bank 8 6.30% $4,721
    NAVY FEDERAL CREDIT UNION 7 6.27% $7,931
    VILLAGE CAPITAL MORTGAGE 7 5.39% $6,361
    NEWREZ LLC 6 6.27% $8,859
    PENNYMAC LOAN SERVICES, LLC 6 5.52% $9,698
    The Federal Savings Bank 5 6.25% $23,585
    Ixonia Bank 4 6.66% $16,519
    CROSSCOUNTRY MORTGAGE, LLC 4 6.78% $16,061
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.04% $3,996
    BROKER SOLUTIONS, INC. 3 6.50% $14,942
    MOVEMENT MORTGAGE, LLC 3 6.04% $9,734
    LOANDEPOT.COM, LLC 3 6.71% $6,002
    Barrington Bank & Trust Company, N.A. 3 6.25% $8,795
    Prosperity Home Mortgage, LLC 3 6.25% $9,927
    Century Mortgage Company DBA Century Lending Company 2 6.81% $10,264
    CARDINAL FINANCIAL 2 7.00% $18,698
    Carrington Mortgage Services, LLC 2 5.38% $17,351
    Acre Mortgage and Financial Inc 2 7.00% $11,740
    HOMESIDE FINANCIAL, LLC 2 6.50% $7,262
    Mid-Continent Funding, Inc. 2 6.69% $8,269
    Mr. Cooper ( Nationstar Mortgage ) 2 6.00% $9,834
    NBKC BANK 2 6.25% $8,360
    U.S. Bank 1 6.25% $5,043
    M&T Bank 1 6.50% $23,081
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.38% $8,393
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $1,357
    AMERICAN FINANCIAL NETWORK, INC. 1 5.75% $9,517
    LADERA LENDING, INC. 1 5.88% $13,171
    JPMorgan Chase Bank 1 7.00% $7,542
    NORWICH COMMERCIAL GROUP, INC. 1 5.25% $5,761
    Old National Bank 1 5.88% $9,235
    PANORAMA MORTGAGE GROUP, LLC 1 6.75% $6,014
    Paramount Residential Mortgage Group, Inc. 1 5.75% $13,649
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $2,286
    GUARANTEED RATE, INC. 1 5.65% $8,324
    Equity Prime Mortgage LLC 1 6.13% $6,656
    ROYAL UNITED MORTGAGE LLC 1 7.25% $14,595
    SUN WEST MORTGAGE COMPANY, INC. 1 5.25% $1,577
    SWBC MORTGAGE CORPORATION 1 5.50% $4,034
    EMM LOANS LLC 1 5.75% $20,252
    Truist 1 6.60% $5,309
    UNION HOME MORTGAGE CORP. 1 6.63% $11,128
    DELMAR FINANCIAL COMPANY 1 6.25% $7,161
    CMG MORTGAGE, INC. 1 6.13% $26,692
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 8.25% $1,041
    MICHIGAN MUTUAL, INC. 1 7.00% $11,859

    The top East Stroudsburg VA lender as defined by loan originations is Mortgage Research Center, LLC, with 50 VA loans originated. Their average total fees are $7,954, which is $2,846 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee East Stroudsburg VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($7,954), FREEDOM MORTGAGE CORPORATION ($10,430), UNITED WHOLESALE MORTGAGE, LLC ($10,800), QUICKEN LOANS, LLC ($11,362) and NEW DAY FINANCIAL, LLC ($11,717).

    The lowest rate East Stroudsburg VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.90%), QUICKEN LOANS, LLC (6.16%), FREEDOM MORTGAGE CORPORATION (6.22%), Mortgage Research Center, LLC (6.34%) and NEW DAY FINANCIAL, LLC (7.35%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - East Stroudsburg (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 $159,928 (1.0%) $200,111 (3.9%) 0.59 1,448
    2018-02-01 $159,907 (0.1%) $201,246 (3.3%) 0.58 1,351
    2018-03-01 $163,700 (2.4%) $204,538 (2.7%) 0.57 1,338
    2018-04-01 $168,000 (1.9%) $206,632 (1.4%) 0.57 1,384
    2018-05-01 $169,100 (1.9%) $206,021 (0.4%) 0.56 1,506
    2018-06-01 $168,400 (-0.4%) $206,782 (1.1%) 0.56 1,607
    2018-07-01 $171,525 (1.5%) $209,909 (2.1%) 0.57 1,682
    2018-08-01 $171,375 (0.9%) $209,341 (1.8%) 0.57 1,719
    2018-09-01 $172,350 (1.7%) $211,525 (3.9%) 0.58 1,677
    2018-10-01 $176,450 (4.2%) $215,452 (5.2%) 0.60 1,601
    2018-11-01 $179,450 (7.5%) $215,614 (6.5%) 0.61 1,517
    2018-12-01 $175,000 (6.7%) $211,818 (5.1%) 0.60 1,399
    2019-01-01 $173,738 (8.6%) $208,110 (4.0%) 0.60 1,274
    2019-02-01 $177,000 (10.7%) $213,512 (6.1%) 0.60 1,227
    2019-03-01 $178,914 (9.3%) $215,877 (5.5%) 0.59 1,230
    2019-04-01 $178,914 (6.5%) $217,011 (5.0%) 0.57 1,293
    2019-05-01 $179,900 (6.4%) $218,911 (6.3%) 0.56 1,402
    2019-06-01 $179,900 (6.8%) $218,392 (5.6%) 0.56 1,578
    2019-07-01 $179,900 (4.9%) $216,663 (3.2%) 0.56 1,655
    2019-08-01 $181,337 (5.8%) $218,557 (4.4%) 0.57 1,664
    2019-09-01 $183,397 (6.4%) $218,237 (3.2%) 0.59 1,652
    2019-10-01 $185,450 (5.1%) $217,202 (0.8%) 0.60 1,622
    2019-11-01 $189,000 (5.3%) $223,439 (3.6%) 0.62 1,449
    2019-12-01 $185,450 (6.0%) $221,950 (4.8%) 0.62 1,290
    2020-01-01 $186,175 (7.2%) $224,759 (8.0%) 0.62 1,185
    2020-02-01 $189,900 (7.3%) $230,631 (8.0%) 0.62 1,105
    2020-03-01 $195,000 (9.0%) $232,634 (7.8%) 0.61 1,086
    2020-04-01 $199,000 (11.2%) $236,277 (8.9%) 0.62 1,010
    2020-05-01 $199,900 (11.1%) $237,040 (8.3%) 0.61 1,015
    2020-06-01 $211,500 (17.6%) $247,009 (13.1%) 0.62 965
    2020-07-01 $219,450 (22.0%) $257,046 (18.6%) 0.64 801
    2020-08-01 $225,000 (24.1%) $277,035 (26.8%) 0.64 679
    2020-09-01 $229,900 (25.4%) $290,371 (33.1%) 0.66 622
    2020-10-01 $239,999 (29.4%) $295,459 (36.0%) 0.69 600
    2020-11-01 $242,725 (28.4%) $299,841 (34.2%) 0.71 588
    2020-12-01 $252,246 (36.0%) $310,207 (39.8%) 0.75 549
    2021-01-01 $265,000 (42.3%) $336,217 (49.6%) 0.79 434
    2021-02-01 $279,000 (46.9%) $350,224 (51.9%) 0.81 368
    2021-03-01 $279,000 (43.1%) $349,556 (50.3%) 0.79 367
    2021-04-01 $279,450 (40.4%) $346,233 (46.5%) 0.76 414
    2021-05-01 $279,000 (39.6%) $334,593 (41.2%) 0.74 503
    2021-06-01 $279,950 (32.4%) $341,550 (38.3%) 0.74 577
    2021-07-01 $289,900 (32.1%) $355,055 (38.1%) 0.76 691
    2021-08-01 $289,900 (28.8%) $362,414 (30.8%) 0.77 739
    2021-09-01 $297,000 (29.2%) $373,819 (28.7%) 0.79 713
    2021-10-01 $295,000 (22.9%) $375,002 (26.9%) 0.79 666
    2021-11-01 $298,700 (23.1%) $376,147 (25.5%) 0.80 591
    2021-12-01 $299,900 (18.9%) $396,548 (27.8%) 0.81 491
    2022-01-01 $319,950 (20.7%) $415,145 (23.5%) 0.87 408
    2022-02-01 $324,975 (16.5%) $426,615 (21.8%) 0.85 348
    2022-03-01 $325,000 (16.5%) $416,897 (19.3%) 0.81 366
    2022-04-01 $335,000 (19.9%) $405,225 (17.0%) 0.80 438
    2022-05-01 $349,950 (25.4%) $402,600 (20.3%) 0.80 563
    2022-06-01 $349,900 (25.0%) $399,767 (17.1%) 0.78 690
    2022-07-01 $349,900 (20.7%) $406,466 (14.5%) 0.79 842
    2022-08-01 $349,900 (20.7%) $400,596 (10.5%) 0.81 846
    2022-09-01 $348,750 (17.4%) $398,663 (6.7%) 0.82 859
    2022-10-01 $348,000 (18.0%) $393,578 (5.0%) 0.82 833
    2022-11-01 $336,125 (12.5%) $399,085 (6.1%) 0.81 779
    2022-12-01 $330,000 (10.0%) $395,769 (-0.2%) 0.81 726
    2023-01-01 $329,950 (3.1%) $395,729 (-4.7%) 0.82 643
    2023-02-01 $330,000 (1.6%) $398,484 (-6.6%) 0.80 595
    2023-03-01 $342,250 (5.3%) $404,591 (-3.0%) 0.81 556
    2023-04-01 $350,000 (4.5%) $418,872 (3.4%) 0.81 577
    2023-05-01 $350,000 (0.0%) $423,140 (5.1%) 0.79 629
    2023-06-01 $355,000 (1.5%) $416,751 (4.3%) 0.80 698
    2023-07-01 $359,000 (2.6%) $413,882 (1.8%) 0.82 762
    2023-08-01 $359,498 (2.7%) $424,797 (6.0%) 0.83 776
    2023-09-01 $359,900 (3.2%) $424,013 (6.4%) 0.84 819
    2023-10-01 $355,000 (2.0%) $418,575 (6.4%) 0.84 829
    2023-11-01 $350,000 (4.1%) $417,793 (4.7%) 0.83 821
    2023-12-01 $350,000 (6.1%) $416,332 (5.2%) 0.85 765
    2024-01-01 $349,975 (6.1%) $412,851 (4.3%) 0.85 723
    2024-02-01 $349,900 (6.0%) $408,065 (2.4%) 0.84 693
    2024-03-01 $349,000 (2.0%) $399,814 (-1.2%) 0.82 662
    2024-04-01 $349,900 (0.0%) $401,727 (-4.1%) 0.81 748
    2024-05-01 $352,000 (0.6%) $409,565 (-3.2%) 0.80 816
    2024-06-01 $354,750 (-0.1%) $413,531 (-0.8%) 0.81 918
    2024-07-01 $350,000 (-2.5%) $417,286 (0.8%) 0.80 1,014
    2024-08-01 $355,000 (-1.3%) $419,962 (-1.1%) 0.83 1,023
    2024-09-01 $359,900 (0.0%) $416,808 (-1.7%) 0.85 1,012
    2024-10-01 $360,000 (1.4%) $415,783 (-0.7%) 0.85 1,022
    2024-11-01 $359,900 (2.8%) $417,440 (-0.1%) 0.86 914
    2024-12-01 $357,000 (2.0%) $422,738 (1.5%) 0.89 841
    2025-01-01 $352,450 (0.7%) $422,915 (2.4%) 0.88 767
    2025-02-01 $350,500 (0.2%) $422,926 (3.6%) 0.85 747
    2025-03-01 $355,000 (1.7%) $420,430 (5.2%) 0.84 743
    2025-04-01 $359,175 (2.7%) $421,993 (5.0%) 0.83 783
    East Stroudsburg's median listing price for 2025-04-01 was $359,175, a difference of $9,275 (2.7%) versus the prior year and $4,175 versus the prior month.

    East Stroudsburg's median listing price comes in at 83% of the national average.

    East Stroudsburg's average listing price for 2025-04-01 was $421,993, a difference of $20,266 (5.0%) versus the prior year and $1,563 versus the prior month.

    For the 2025-04-01 period, East Stroudsburg had 783 MLS listings, a difference of 40 listings (5%) versus the prior month and 35 listings (5%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - East Stroudsburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 106 days 1,801 sqft
    2018-02-01 109 days 1,792 sqft
    2018-03-01 100 days 1,789 sqft
    2018-04-01 76 days 1,820 sqft
    2018-05-01 62 days 1,828 sqft
    2018-06-01 66 days 1,820 sqft
    2018-07-01 67 days 1,825 sqft
    2018-08-01 72 days 1,820 sqft
    2018-09-01 83 days 1,836 sqft
    2018-10-01 92 days 1,848 sqft
    2018-11-01 95 days 1,860 sqft
    2018-12-01 105 days 1,838 sqft
    2019-01-01 106 days 1,809 sqft
    2019-02-01 109 days 1,831 sqft
    2019-03-01 94 days 1,835 sqft
    2019-04-01 72 days 1,845 sqft
    2019-05-01 64 days 1,880 sqft
    2019-06-01 61 days 1,875 sqft
    2019-07-01 68 days 1,883 sqft
    2019-08-01 75 days 1,893 sqft
    2019-09-01 82 days 1,897 sqft
    2019-10-01 88 days 1,900 sqft
    2019-11-01 92 days 1,896 sqft
    2019-12-01 100 days 1,874 sqft
    2020-01-01 107 days 1,879 sqft
    2020-02-01 110 days 1,884 sqft
    2020-03-01 91 days 1,889 sqft
    2020-04-01 100 days 1,900 sqft
    2020-05-01 109 days 1,900 sqft
    2020-06-01 100 days 1,940 sqft
    2020-07-01 66 days 1,943 sqft
    2020-08-01 64 days 1,973 sqft
    2020-09-01 54 days 2,017 sqft
    2020-10-01 51 days 1,928 sqft
    2020-11-01 53 days 1,903 sqft
    2020-12-01 68 days 1,950 sqft
    2021-01-01 82 days 2,002 sqft
    2021-02-01 79 days 2,040 sqft
    2021-03-01 65 days 2,016 sqft
    2021-04-01 40 days 1,966 sqft
    2021-05-01 32 days 1,933 sqft
    2021-06-01 39 days 1,919 sqft
    2021-07-01 37 days 1,912 sqft
    2021-08-01 45 days 1,992 sqft
    2021-09-01 52 days 1,981 sqft
    2021-10-01 64 days 1,932 sqft
    2021-11-01 73 days 1,948 sqft
    2021-12-01 89 days 1,924 sqft
    2022-01-01 85 days 1,996 sqft
    2022-02-01 73 days 1,968 sqft
    2022-03-01 39 days 1,955 sqft
    2022-04-01 33 days 1,920 sqft
    2022-05-01 32 days 1,910 sqft
    2022-06-01 35 days 1,967 sqft
    2022-07-01 39 days 1,962 sqft
    2022-08-01 49 days 1,960 sqft
    2022-09-01 58 days 1,960 sqft
    2022-10-01 64 days 1,972 sqft
    2022-11-01 70 days 1,974 sqft
    2022-12-01 80 days 1,972 sqft
    2023-01-01 79 days 1,926 sqft
    2023-02-01 72 days 1,872 sqft
    2023-03-01 62 days 1,882 sqft
    2023-04-01 55 days 1,905 sqft
    2023-05-01 48 days 1,865 sqft
    2023-06-01 49 days 1,871 sqft
    2023-07-01 50 days 1,901 sqft
    2023-08-01 54 days 1,934 sqft
    2023-09-01 57 days 1,950 sqft
    2023-10-01 58 days 1,930 sqft
    2023-11-01 62 days 1,924 sqft
    2023-12-01 74 days 1,920 sqft
    2024-01-01 79 days 1,908 sqft
    2024-02-01 74 days 1,902 sqft
    2024-03-01 64 days 1,873 sqft
    2024-04-01 54 days 1,912 sqft
    2024-05-01 51 days 1,925 sqft
    2024-06-01 51 days 1,955 sqft
    2024-07-01 54 days 1,930 sqft
    2024-08-01 60 days 1,944 sqft
    2024-09-01 67 days 1,929 sqft
    2024-10-01 70 days 1,924 sqft
    2024-11-01 72 days 1,897 sqft
    2024-12-01 84 days 1,897 sqft
    2025-01-01 88 days 1,839 sqft
    2025-02-01 86 days 1,813 sqft
    2025-03-01 71 days 1,800 sqft
    2025-04-01 52 days 1,795 sqft
    East Stroudsburg's median listing age (time on market) for 2025-04-01 was 52 days. This is -4% shorter than the same period one year ago.

    East Stroudsburg's median square footage for active listings during the 2025-04-01 period was 1,795 sqft. One year prior, the average listing was 1,912 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.