Elizabethtown VA Loan Rates, Closing Costs & Stats

ELIZABETHTOWN-FORT KNOX, KY

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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.

    Elizabethtown's 85 lenders originated 961 VA loans during 2024. The total origination value was $302,455,000, with an average VA loan value of $314,729.

    Elizabethtown VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Elizabethtown averaged 0.34% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Elizabethtown's average VA mortgage closing costs are $5,468.

    The average rate for the prior week (2025-06-13) was 6.49% and one month ago for the week of 2025-05-16, the average rate was 6.55%.

    The average rate one year ago was 6.65%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.02%.

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

    Elizabethtown 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 Elizabethtown level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 170 6.17% $6,045
    Mortgage Research Center, LLC 151 6.45% $7,225
    QUICKEN LOANS, LLC 70 6.16% $8,670
    FREEDOM MORTGAGE CORPORATION 67 6.38% $5,790
    PENNYMAC LOAN SERVICES, LLC 36 5.79% $7,721
    Northpointe Bank 32 6.43% $11,107
    NAVY FEDERAL CREDIT UNION 30 5.89% $6,014
    SOUTH CENTRAL BANK, INC. 28 6.30% $6,028
    INSPIRE HOME LOANS INC. 25 5.54% $9,965
    NEW DAY FINANCIAL, LLC 24 7.52% $9,278
    DHI MORTGAGE COMPANY, LTD. 21 5.71% $7,097
    USAA Federal Savings Bank 20 6.31% $8,446
    GUARANTEED RATE, INC. 15 6.12% $7,848
    VILLAGE CAPITAL MORTGAGE 12 5.91% $5,293
    NEWREZ LLC 12 5.78% $5,900
    German American Bank 10 6.48% $8,239
    Prosperity Home Mortgage, LLC 10 6.32% $12,067
    Mr. Cooper ( Nationstar Mortgage ) 9 6.50% $5,916
    RUOFF MORTGAGE COMPANY, INC. 8 6.59% $3,963
    T2 FINANCIAL LLC 8 6.54% $7,814
    The Federal Savings Bank 8 6.08% $17,944
    PREMIER LENDING, INC. 8 6.20% $6,509
    LOANDEPOT.COM, LLC 7 6.39% $8,751
    PLANET HOME LENDING, LLC 7 6.00% $4,240
    Magnolia Bank 6 6.31% $11,028
    FIRST COMMUNITY MORTGAGE, INC. 5 5.70% $15,475
    BROKER SOLUTIONS, INC. 5 6.43% $11,401
    CROSSCOUNTRY MORTGAGE, LLC 5 6.11% $9,001
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.00% $4,592
    Carrington Mortgage Services, LLC 4 5.91% $10,087
    HOMESIDE FINANCIAL, LLC 4 6.59% $17,666
    Abound Federal Credit Union 4 5.91% $6,491
    PENTAGON FEDERAL CREDIT UNION 4 6.16% $11,205
    NBKC BANK 3 5.88% $7,645
    The Loan Store, Inc. 3 6.16% $8,363
    UNION HOME MORTGAGE CORP. 3 6.67% $10,121
    Equity Prime Mortgage LLC 3 6.54% $6,668
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.42% $1,979
    Lakeview Community Capital, LLC 3 5.79% $6,706
    STOCKTON MORTGAGE CORPORATION 3 5.96% $6,866
    CLEARPATH LENDING 3 5.54% $3,000
    LAKEVIEW LOAN SERVICING, LLC 3 5.58% $5,743
    Barrington Bank & Trust Company, N.A. 3 6.25% $6,125
    EVERETT FINANCIAL, INC. 3 6.29% $7,675
    PLAZA HOME MORTGAGE, INC. 2 6.50% $5,343
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 6.75% $3,237
    SUN WEST MORTGAGE COMPANY, INC. 2 6.04% $3,360
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.94% $3,536
    AMERISAVE MORTGAGE CORPORATION 2 6.19% $13,606
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.56% $7,466
    WesBanco 2 5.69% $5,894
    Century Mortgage Company DBA Century Lending Company 2 5.69% $11,908
    PNC Bank 2 7.13% $1,060
    Paramount Residential Mortgage Group, Inc. 1 6.25% $10,818
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.25% $4,838
    CARDINAL FINANCIAL 1 6.75% $11,827
    BAY EQUITY LLC 1 6.25% $1,620
    Armed Forces Bank 1 5.75% $14,558
    Stock Yards Bank & Trust Company 1 6.13% $2,007
    Texana Bank 1 7.25% $14,052
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.75% $13,170
    U.S. Bank 1 5.75% $3,479
    Farmers Bank & Trust 1 5.99% $2,713
    Fifth Third Bank 1 6.38% $2,947
    First Federal Bank 1 6.25% $10,613
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $7,889
    First Federal Bank 1 4.88% $18,662
    Flagstar Bank, FSB 1 6.13% $22,392
    GENEVA FINANCIAL, LLC 1 6.50% $4,255
    EVANSVILLE TEACHERS 1 6.75% $3,896
    Great Plains National Bank 1 6.25% $6,328
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.50% $1,250
    ENVOY MORTGAGE, LTD 1 6.25% $15,919
    LEADERONE FINANCIAL CORPORATION 1 5.75% $9,471
    ENDEAVOR CAPITAL, LLC. 1 6.99% $5,188
    EMM LOANS LLC 1 6.63% $92
    MORIA DEVELOPMENT, INC. 1 6.25% $5,297
    MORTGAGEONE, INC. 1 6.75% $0
    EMBRACE HOME LOANS, INC. 1 7.25% $6,004
    ALLIANT CREDIT UNION 1 5.75% $8,985
    Eagle Bank and Trust Company 1 6.75% $16,019
    DELMAR FINANCIAL COMPANY 1 7.13% $14,590
    DAS Acquisition Company, LLC 1 6.75% $12,938
    Countybank 1 5.75% $8,794
    OCEANSIDE MORTGAGE COMPANY 1 5.75% $9,603

    The top Elizabethtown VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 170 VA loans originated. Their average total fees are $6,045, which is $1,179 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Elizabethtown VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($5,293), FREEDOM MORTGAGE CORPORATION ($5,790), NEWREZ LLC ($5,900), NAVY FEDERAL CREDIT UNION ($6,014) and SOUTH CENTRAL BANK, INC. ($6,028).

    The lowest rate Elizabethtown VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. (5.54%), DHI MORTGAGE COMPANY, LTD. (5.71%), NEWREZ LLC (5.78%), PENNYMAC LOAN SERVICES, LLC (5.79%) and NAVY FEDERAL CREDIT UNION (5.89%).

    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.