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 75 lenders originated 689 VA loans during 2023. The total origination value was $204,025,000, with an average VA loan value of $296,118.

    Elizabethtown VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Elizabethtown averaged 6.28% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Elizabethtown's average VA mortgage closing costs are $5,199.

    The average rate for the prior week (2025-02-07) was 6.41% and one month ago for the week of 2025-01-10, the average rate was 6.75%.

    The average rate one year ago was 6.27%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.41%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 117 6.66% $5,677
    UNITED WHOLESALE MORTGAGE, LLC 104 6.52% $6,818
    QUICKEN LOANS, LLC 66 6.28% $8,453
    NAVY FEDERAL CREDIT UNION 40 5.70% $6,482
    Northpointe Bank 26 6.50% $10,594
    NEW DAY FINANCIAL, LLC 25 7.61% $9,879
    SOUTH CENTRAL BANK, INC. 25 6.38% $6,707
    PLAZA HOME MORTGAGE, INC. 24 6.04% $7,166
    FREEDOM MORTGAGE CORPORATION 18 6.79% $9,364
    The Federal Savings Bank 15 6.45% $13,052
    USAA Federal Savings Bank 15 6.11% $11,598
    DHI MORTGAGE COMPANY, LTD. 14 5.54% $7,555
    Prosperity Home Mortgage, LLC 12 6.14% $10,181
    INSPIRE HOME LOANS INC. 11 5.89% $8,844
    VILLAGE CAPITAL MORTGAGE 8 6.03% $12,564
    PENNYMAC LOAN SERVICES, LLC 8 5.55% $13,722
    LOANDEPOT.COM, LLC 7 6.68% $9,805
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 6.38% $11,409
    PENTAGON FEDERAL CREDIT UNION 6 5.73% $10,421
    GUARANTEED RATE, INC. 6 6.21% $4,715
    Magnolia Bank 5 6.28% $15,181
    Mr. Cooper ( Nationstar Mortgage ) 5 5.93% $13,452
    T2 FINANCIAL LLC 4 7.19% $10,506
    RUOFF MORTGAGE COMPANY, INC. 4 6.47% $5,974
    Stock Yards Bank & Trust Company 4 6.38% $13,146
    MUTUAL OF OMAHA MORTGAGE, INC. 4 5.97% $13,680
    Armed Forces Bank 3 5.67% $10,427
    Abound Federal Credit Union 3 6.13% $4,354
    DAS Acquisition Company, LLC 3 6.67% $14,836
    NEWREZ LLC 3 6.16% $12,367
    STOCKTON MORTGAGE CORPORATION 3 6.33% $11,302
    Citizens Bank 3 6.17% $10,721
    LAKEVIEW LOAN SERVICING, LLC 2 6.00% $6,315
    EVANSVILLE TEACHERS 2 6.94% $8,605
    EVERETT FINANCIAL, INC. 2 6.44% $10,931
    SOVEREIGN LENDING GROUP INCORPORATED 2 5.75% $11,551
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.81% $14,608
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 8.44% $0
    RELIANCE FIRST CAPITAL, LLC 2 6.69% $9,942
    CARDINAL FINANCIAL 2 7.25% $14,282
    CROSSCOUNTRY MORTGAGE, LLC 2 7.00% $11,195
    Wells Fargo Bank 2 7.19% $7,327
    Paramount Residential Mortgage Group, Inc. 2 5.75% $12,235
    Century Mortgage Company DBA Century Lending Company 2 5.69% $806
    American Mortgage & Equity Consultants, Inc. 2 6.56% $12,839
    Wilson & Muir Bank & Trust Company 1 5.75% $3,252
    AMERICAN FINANCING CORPORATION 1 5.63% $9,473
    AMERISAVE MORTGAGE CORPORATION 1 6.13% $11,012
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.25% $11,217
    Barrington Bank & Trust Company, N.A. 1 7.00% $16,016
    Capital Bank 1 5.49% $10,181
    Carrington Mortgage Services, LLC 1 3.63% $1,912
    Carrollton Bank 1 6.13% $2,493
    Citibank 1 6.25% $3,163
    Equity Prime Mortgage LLC 1 6.50% $11,046
    FIRST COMMUNITY MORTGAGE, INC. 1 6.13% $12,722
    FLAT BRANCH MORTGAGE, INC. 1 6.25% $16,633
    German American Bank 1 6.25% $17,325
    GoPrime Mortgage, Inc. 1 6.75% $11,674
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.13% $6,474
    HOMESIDE FINANCIAL, LLC 1 6.25% $12,198
    INTERLINC MORTGAGE SERVICES, LLC 1 5.75% $4,203
    Legends Bank 1 5.63% $6,363
    M&T Bank 1 6.63% $2,334
    Neighborhood Loans, Inc. 1 7.50% $5,127
    NETWORK CAPITAL FUNDING CORPORATION 1 5.38% $8,025
    North American Savings Bank, F.S.B. 1 5.75% $2,851
    PLANET HOME LENDING, LLC 1 6.38% $10,128
    RESIDENTIAL BANCORP 1 5.75% $5,167
    The Huntington National Bank 1 6.13% $2,529
    THE MORTGAGE WAREHOUSE,LLC 1 6.99% $14,482
    Truist 1 5.25% $6,155
    UNION HOME MORTGAGE CORP. 1 6.13% $3,782
    U.S. Bank 1 7.13% $13,134
    Waterstone Mortgage Corporation 1 7.13% $5,830

    The top Elizabethtown VA lender as defined by loan originations is Mortgage Research Center, LLC, with 117 VA loans originated. Their average total fees are $5,677, which is $1,140 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Elizabethtown VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,677), NAVY FEDERAL CREDIT UNION ($6,482), SOUTH CENTRAL BANK, INC. ($6,707), UNITED WHOLESALE MORTGAGE, LLC ($6,818) and PLAZA HOME MORTGAGE, INC. ($7,166).

    The lowest rate Elizabethtown VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.54%), NAVY FEDERAL CREDIT UNION (5.70%), INSPIRE HOME LOANS INC. (5.89%), PLAZA HOME MORTGAGE, INC. (6.04%) and USAA Federal Savings Bank (6.11%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Elizabethtown (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 $166,875 (4.4%) $194,077 (2.0%) 0.63 411
    2018-02-01 $173,250 (8.5%) $202,880 (4.8%) 0.62 389
    2018-03-01 $179,950 (10.0%) $212,838 (8.1%) 0.63 376
    2018-04-01 $190,450 (12.1%) $217,049 (9.1%) 0.64 396
    2018-05-01 $190,950 (12.4%) $216,682 (7.6%) 0.64 399
    2018-06-01 $189,950 (11.9%) $217,644 (5.9%) 0.63 414
    2018-07-01 $198,900 (17.1%) $222,324 (8.5%) 0.65 436
    2018-08-01 $199,950 (14.6%) $219,653 (6.3%) 0.67 453
    2018-09-01 $188,500 (10.9%) $212,842 (7.3%) 0.64 476
    2018-10-01 $189,900 (10.2%) $210,131 (5.1%) 0.64 455
    2018-11-01 $194,925 (14.7%) $212,464 (8.3%) 0.66 449
    2018-12-01 $194,950 (14.7%) $215,098 (10.3%) 0.66 435
    2019-01-01 $196,450 (17.7%) $211,135 (8.8%) 0.67 406
    2019-02-01 $193,250 (11.5%) $209,404 (3.2%) 0.64 408
    2019-03-01 $203,686 (13.2%) $214,935 (1.0%) 0.65 377
    2019-04-01 $209,975 (10.3%) $221,642 (2.1%) 0.65 351
    2019-05-01 $216,125 (13.2%) $234,062 (8.0%) 0.66 354
    2019-06-01 $210,000 (10.6%) $229,372 (5.4%) 0.64 395
    2019-07-01 $209,925 (5.5%) $232,074 (4.4%) 0.63 392
    2019-08-01 $210,909 (5.5%) $232,965 (6.1%) 0.65 397
    2019-09-01 $213,210 (13.1%) $234,078 (10.0%) 0.67 405
    2019-10-01 $217,500 (14.5%) $236,428 (12.5%) 0.70 411
    2019-11-01 $219,900 (12.8%) $236,885 (11.5%) 0.71 404
    2019-12-01 $219,675 (12.7%) $238,194 (10.7%) 0.73 363
    2020-01-01 $217,975 (11.0%) $235,800 (11.7%) 0.72 329
    2020-02-01 $218,500 (13.1%) $231,393 (10.5%) 0.72 308
    2020-03-01 $219,900 (8.0%) $239,674 (11.5%) 0.67 272
    2020-04-01 $221,150 (5.3%) $239,317 (8.0%) 0.69 262
    2020-05-01 $234,900 (8.7%) $247,763 (5.9%) 0.71 214
    2020-06-01 $228,900 (9.0%) $256,655 (11.9%) 0.66 171
    2020-07-01 $244,475 (16.5%) $272,081 (17.2%) 0.71 159
    2020-08-01 $247,000 (17.1%) $275,341 (18.2%) 0.69 149
    2020-09-01 $244,690 (14.8%) $277,176 (18.4%) 0.70 159
    2020-10-01 $220,000 (1.2%) $267,418 (13.1%) 0.67 149
    2020-11-01 $194,700 (-11.5%) $248,065 (4.7%) 0.58 155
    2020-12-01 $202,350 (-7.9%) $255,699 (7.4%) 0.64 170
    2021-01-01 $197,450 (-9.4%) $261,649 (11.0%) 0.63 147
    2021-02-01 $211,850 (-3.0%) $271,599 (17.4%) 0.65 122
    2021-03-01 $239,175 (8.8%) $286,517 (19.5%) 0.71 116
    2021-04-01 $249,900 (13.0%) $294,044 (22.9%) 0.72 108
    2021-05-01 $229,900 (-2.1%) $285,171 (15.1%) 0.64 106
    2021-06-01 $251,200 (9.7%) $311,550 (21.4%) 0.68 111
    2021-07-01 $271,900 (11.2%) $307,065 (12.9%) 0.73 149
    2021-08-01 $273,000 (10.5%) $293,108 (6.5%) 0.73 178
    2021-09-01 $268,125 (9.6%) $287,115 (3.6%) 0.73 190
    2021-10-01 $260,000 (18.2%) $304,944 (14.0%) 0.72 195
    2021-11-01 $259,225 (33.1%) $296,036 (19.3%) 0.73 201
    2021-12-01 $239,175 (18.2%) $286,840 (12.2%) 0.68 165
    2022-01-01 $246,000 (24.6%) $307,673 (17.6%) 0.68 134
    2022-02-01 $259,900 (22.7%) $315,061 (16.0%) 0.70 115
    2022-03-01 $254,450 (6.4%) $319,107 (11.4%) 0.67 104
    2022-04-01 $250,000 (0.0%) $294,131 (0.0%) 0.63 92
    2022-05-01 $272,000 (18.3%) $313,122 (9.8%) 0.65 96
    2022-06-01 $256,850 (2.3%) $294,770 (-5.4%) 0.60 167
    2022-07-01 $262,500 (-3.5%) $307,370 (0.1%) 0.63 228
    2022-08-01 $271,700 (-0.5%) $298,936 (2.0%) 0.69 251
    2022-09-01 $296,725 (10.7%) $315,571 (9.9%) 0.72 190
    2022-10-01 $312,000 (20.0%) $337,538 (10.7%) 0.75 216
    2022-11-01 $308,175 (18.9%) $337,410 (14.0%) 0.74 246
    2022-12-01 $299,950 (25.4%) $335,797 (17.1%) 0.75 216
    2023-01-01 $319,475 (29.9%) $344,892 (12.1%) 0.78 174
    2023-02-01 $319,500 (22.9%) $350,173 (11.1%) 0.76 169
    2023-03-01 $317,500 (24.8%) $353,770 (10.9%) 0.75 167
    2023-04-01 $309,450 (23.8%) $352,316 (19.8%) 0.73 173
    2023-05-01 $305,000 (12.1%) $342,912 (9.5%) 0.72 168
    2023-06-01 $318,700 (24.1%) $349,645 (18.6%) 0.72 181
    2023-07-01 $330,000 (25.7%) $355,556 (15.7%) 0.74 209
    2023-08-01 $327,675 (20.6%) $358,953 (20.1%) 0.74 223
    2023-09-01 $319,950 (7.8%) $348,275 (10.4%) 0.74 223
    2023-10-01 $319,874 (2.5%) $351,761 (4.2%) 0.75 234
    2023-11-01 $318,798 (3.5%) $351,161 (4.1%) 0.75 255
    2023-12-01 $319,900 (6.7%) $352,451 (5.0%) 0.77 250
    2024-01-01 $315,500 (-1.2%) $344,896 (0.0%) 0.77 238
    2024-02-01 $316,875 (-0.8%) $351,772 (0.5%) 0.77 232
    2024-03-01 $339,900 (7.1%) $362,179 (2.4%) 0.79 235
    2024-04-01 $333,675 (7.8%) $361,893 (2.7%) 0.77 242
    2024-05-01 $324,950 (6.5%) $357,521 (4.3%) 0.75 261
    2024-06-01 $329,250 (3.3%) $355,742 (1.7%) 0.74 255
    2024-07-01 $323,750 (-1.9%) $364,422 (2.5%) 0.75 278
    2024-08-01 $324,900 (-0.9%) $365,747 (1.9%) 0.76 309
    2024-09-01 $320,281 (0.1%) $370,743 (6.5%) 0.77 318
    2024-10-01 $314,950 (-1.5%) $364,601 (3.7%) 0.76 340
    2024-11-01 $301,370 (-5.5%) $366,981 (4.5%) 0.75 393
    2024-12-01 $299,995 (-6.2%) $356,764 (1.2%) 0.78 385
    2025-01-01 $309,888 (-1.8%) $356,270 (3.3%) 0.00 378
    Elizabethtown's median listing price for 2025-01-01 was $309,888, a difference of $-5,612 (-1.8%) versus the prior year and $9,893 versus the prior month.

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

    Elizabethtown's average listing price for 2025-01-01 was $356,270, a difference of $11,374 (3.3%) versus the prior year and $-494 versus the prior month.

    For the 2025-01-01 period, Elizabethtown had 378 MLS listings, a difference of -7 listings (-2%) versus the prior month and 140 listings (59%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Elizabethtown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 82 days 1,752 sqft
    2018-02-01 80 days 1,810 sqft
    2018-03-01 56 days 1,856 sqft
    2018-04-01 55 days 1,933 sqft
    2018-05-01 53 days 1,977 sqft
    2018-06-01 44 days 1,994 sqft
    2018-07-01 46 days 1,999 sqft
    2018-08-01 52 days 1,994 sqft
    2018-09-01 55 days 1,953 sqft
    2018-10-01 65 days 1,967 sqft
    2018-11-01 69 days 1,988 sqft
    2018-12-01 80 days 1,993 sqft
    2019-01-01 80 days 2,008 sqft
    2019-02-01 72 days 2,005 sqft
    2019-03-01 63 days 2,023 sqft
    2019-04-01 54 days 2,042 sqft
    2019-05-01 51 days 2,007 sqft
    2019-06-01 50 days 1,968 sqft
    2019-07-01 53 days 1,939 sqft
    2019-08-01 54 days 1,981 sqft
    2019-09-01 55 days 2,061 sqft
    2019-10-01 56 days 2,138 sqft
    2019-11-01 61 days 2,107 sqft
    2019-12-01 68 days 2,150 sqft
    2020-01-01 80 days 2,117 sqft
    2020-02-01 71 days 2,107 sqft
    2020-03-01 50 days 1,957 sqft
    2020-04-01 50 days 1,927 sqft
    2020-05-01 57 days 2,046 sqft
    2020-06-01 52 days 2,179 sqft
    2020-07-01 40 days 2,208 sqft
    2020-08-01 37 days 2,240 sqft
    2020-09-01 39 days 2,081 sqft
    2020-10-01 38 days 1,899 sqft
    2020-11-01 33 days 1,755 sqft
    2020-12-01 43 days 1,820 sqft
    2021-01-01 54 days 1,817 sqft
    2021-02-01 50 days 1,857 sqft
    2021-03-01 31 days 1,875 sqft
    2021-04-01 30 days 1,966 sqft
    2021-05-01 30 days 1,921 sqft
    2021-06-01 24 days 1,967 sqft
    2021-07-01 24 days 1,981 sqft
    2021-08-01 28 days 2,046 sqft
    2021-09-01 33 days 2,010 sqft
    2021-10-01 39 days 1,932 sqft
    2021-11-01 37 days 1,854 sqft
    2021-12-01 45 days 1,754 sqft
    2022-01-01 58 days 1,790 sqft
    2022-02-01 28 days 1,725 sqft
    2022-03-01 25 days 1,818 sqft
    2022-04-01 24 days 1,846 sqft
    2022-05-01 19 days 1,920 sqft
    2022-06-01 17 days 1,769 sqft
    2022-07-01 29 days 1,800 sqft
    2022-08-01 46 days 1,779 sqft
    2022-09-01 48 days 1,844 sqft
    2022-10-01 42 days 2,104 sqft
    2022-11-01 45 days 2,094 sqft
    2022-12-01 58 days 2,045 sqft
    2023-01-01 67 days 2,059 sqft
    2023-02-01 43 days 1,985 sqft
    2023-03-01 44 days 2,000 sqft
    2023-04-01 36 days 1,904 sqft
    2023-05-01 42 days 1,806 sqft
    2023-06-01 41 days 1,926 sqft
    2023-07-01 36 days 2,042 sqft
    2023-08-01 44 days 2,056 sqft
    2023-09-01 44 days 1,988 sqft
    2023-10-01 46 days 1,930 sqft
    2023-11-01 46 days 1,934 sqft
    2023-12-01 53 days 1,960 sqft
    2024-01-01 67 days 1,889 sqft
    2024-02-01 52 days 1,926 sqft
    2024-03-01 37 days 1,926 sqft
    2024-04-01 40 days 1,901 sqft
    2024-05-01 32 days 1,874 sqft
    2024-06-01 43 days 1,917 sqft
    2024-07-01 41 days 1,920 sqft
    2024-08-01 41 days 1,920 sqft
    2024-09-01 50 days 1,991 sqft
    2024-10-01 54 days 1,955 sqft
    2024-11-01 53 days 2,000 sqft
    2024-12-01 60 days 1,987 sqft
    2025-01-01 0 days 1,999 sqft
    Elizabethtown's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Elizabethtown's median square footage for active listings during the 2025-01-01 period was 1,999 sqft. One year prior, the average listing was 1,889 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.