Harrisburg VA Loan Rates, Closing Costs & Stats

HARRISBURG-CARLISLE, 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.

    Harrisburg's 97 lenders originated 731 VA loans during 2024. The total origination value was $229,805,000, with an average VA loan value of $314,371.

    Harrisburg VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Harrisburg averaged 0.55% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Harrisburg's average VA mortgage closing costs are $6,932.

    The average rate for the prior week (2025-06-27) was 6.78% and one month ago for the week of 2025-05-30, the average rate was 6.81%.

    The average rate one year ago was 7.12%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.15%.

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

    Harrisburg 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 Harrisburg level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 132 6.40% $6,993
    UNITED WHOLESALE MORTGAGE, LLC 78 5.90% $8,665
    QUICKEN LOANS, LLC 44 6.19% $11,142
    FREEDOM MORTGAGE CORPORATION 36 6.14% $9,455
    NAVY FEDERAL CREDIT UNION 33 6.05% $6,396
    PENNYMAC LOAN SERVICES, LLC 31 5.99% $11,172
    NEW DAY FINANCIAL, LLC 21 7.58% $13,882
    USAA Federal Savings Bank 21 6.31% $6,446
    VILLAGE CAPITAL MORTGAGE 15 5.87% $7,503
    CROSSCOUNTRY MORTGAGE, LLC 14 6.51% $9,735
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 6.69% $8,428
    EMM LOANS LLC 12 6.67% $9,623
    GUILD MORTGAGE COMPANY 11 6.22% $10,919
    BROKER SOLUTIONS, INC. 10 6.52% $11,680
    LOANDEPOT.COM, LLC 9 6.40% $12,458
    MOVEMENT MORTGAGE, LLC 9 6.32% $8,761
    CMG MORTGAGE, INC. 8 6.39% $9,863
    The Federal Savings Bank 8 6.39% $17,257
    NATIONS DIRECT MORTGAGE, LLC 8 6.12% $13,936
    GUARANTEED RATE AFFINITY, LLC 8 6.72% $8,986
    MEMBERS 1ST FEDERAL CREDIT UNION 7 5.96% $12,105
    NEWREZ LLC 7 5.87% $9,147
    Equity Prime Mortgage LLC 5 5.70% $8,145
    First National Bank of Pennsylvania 5 5.83% $16,102
    Flagstar Bank, FSB 5 5.73% $10,266
    Univest Bank and Trust Co. 5 6.18% $8,669
    Mr. Cooper ( Nationstar Mortgage ) 5 5.90% $13,056
    TIDEWATER MORTGAGE SERVICES, INC. 4 6.13% $9,027
    Homesale Mortgage, LLC 4 6.88% $12,415
    RADIUS FINANCIAL GROUP INC. 4 6.09% $10,421
    FIRST ALLIANCE HOME MORTGAGE, LLC 4 6.44% $14,051
    FIRST COLONY MORTGAGE CORPORATION 4 6.19% $12,136
    Carrington Mortgage Services, LLC 4 5.69% $12,260
    NVR Mortgage Finance, Inc. 4 5.97% $16,699
    GUARANTEED RATE, INC. 4 6.19% $10,111
    Magnolia Bank 4 5.69% $28,490
    Credence Funding Corporation 3 6.17% $6,484
    UNION HOME MORTGAGE CORP. 3 6.71% $8,007
    CLEARPATH LENDING 3 5.79% $4,732
    Integrity Home Mortgage Corp 3 6.54% $13,427
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.25% $5,281
    LAKEVIEW LOAN SERVICING, LLC 3 6.16% $6,382
    FIRST COMMUNITY MORTGAGE, INC. 3 6.00% $8,129
    MUTUAL OF OMAHA MORTGAGE, INC. 2 5.81% $7,701
    AMERISAVE MORTGAGE CORPORATION 2 6.38% $20,823
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.94% $9,525
    Citizens Bank 2 6.81% $7,527
    First Federal Bank 2 6.25% $3,634
    HOMESIDE FINANCIAL, LLC 2 6.44% $6,441
    HOMESPIRE MORTGAGE CORPORATION 2 6.25% $10,151
    HOWARD HANNA FINANCIAL SERVICES, INC. 2 6.25% $6,753
    JPMorgan Chase Bank 2 6.24% $7,965
    Mid-Continent Funding, Inc. 2 6.25% $9,886
    MILEND, INC. 2 7.38% $15,831
    M&T Bank 2 6.19% $7,977
    Nations Lending Corporation 2 6.19% $17,536
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.25% $14,353
    RELIANCE FIRST CAPITAL, LLC 2 6.81% $13,493
    SUN WEST MORTGAGE COMPANY, INC. 2 6.12% $1,822
    AMERICAN FINANCING CORPORATION 1 6.25% $5,837
    Alcova Mortgage LLC 1 6.25% $16,484
    LOANPAL, LLC 1 6.13% $13,066
    ALLIED MORTGAGE GROUP, INC. 1 5.75% $5,685
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.13% $24,335
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.99% $3,058
    NBKC BANK 1 6.13% $2,789
    Fulton Bank 1 7.00% $8,359
    Franklin Loan Corporation 1 5.75% $11,285
    FIRST HOME MORTGAGE CORPORATION 1 5.99% $20,561
    Orrstown Bank 1 7.25% $9,844
    Paramount Residential Mortgage Group, Inc. 1 7.13% $9,089
    EVERETT FINANCIAL, INC. 1 6.50% $22,002
    PENTAGON FEDERAL CREDIT UNION 1 6.63% $5,127
    PHH Mortgage Corporation 1 5.63% $5,438
    PLANET HOME LENDING, LLC 1 5.99% $3,866
    Wells Fargo Bank 1 5.75% $7,677
    Prosperity Home Mortgage, LLC 1 6.12% $7,210
    Quaint Oak Mortgage, LLC 1 6.75% $14,423
    ENVOY MORTGAGE, LTD 1 6.63% $10,407
    DIRECT MORTGAGE LOANS, LLC 1 7.13% $11,122
    York Traditions Bank 1 6.13% $10,813
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.00% $11,040
    ZILLOW HOME LOANS, LLC 1 7.13% $7,685
    The Central Trust Bank 1 5.99% $6,900
    DELMAR FINANCIAL COMPANY 1 5.63% $8,174
    Barrington Bank & Trust Company, N.A. 1 7.25% $5,348
    TOP FLITE FINANCIAL, INC. 1 6.88% $19,329
    Truist 1 5.75% $2,374
    Atlantic Coast Mortgage, LLC 1 5.50% $13,506
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.13% $16,095
    University Bank 1 5.75% $11,371
    American Mortgage & Equity Consultants, Inc. 1 6.13% $19,110
    MORTGAGEONE, INC. 1 7.38% $150
    Mortgage America, Inc. 1 6.38% $5,557
    Mid Penn Bank 1 5.75% $13,540
    MICHIGAN MUTUAL, INC. 1 7.25% $2,843
    MDE Home Loans, LLC 1 6.00% $0

    The top Harrisburg VA lender as defined by loan originations is Mortgage Research Center, LLC, with 132 VA loans originated. Their average total fees are $6,993, which is $1,672 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Harrisburg VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($6,396), USAA Federal Savings Bank ($6,446), Mortgage Research Center, LLC ($6,993), VILLAGE CAPITAL MORTGAGE ($7,503) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($8,428).

    The lowest rate Harrisburg VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (5.87%), UNITED WHOLESALE MORTGAGE, LLC (5.90%), PENNYMAC LOAN SERVICES, LLC (5.99%), NAVY FEDERAL CREDIT UNION (6.05%) and FREEDOM MORTGAGE CORPORATION (6.14%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Harrisburg (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 $197,200 (10.2%) $241,318 (5.9%) 0.73 1,753
    2018-02-01 $201,950 (13.9%) $244,865 (6.4%) 0.73 1,669
    2018-03-01 $210,000 (13.6%) $254,267 (8.2%) 0.74 1,634
    2018-04-01 $208,500 (9.7%) $256,570 (5.9%) 0.71 1,660
    2018-05-01 $224,400 (12.2%) $265,594 (6.6%) 0.75 1,748
    2018-06-01 $219,900 (10.0%) $261,613 (4.6%) 0.73 1,876
    2018-07-01 $216,546 (11.1%) $260,414 (5.0%) 0.72 1,916
    2018-08-01 $219,900 (12.8%) $258,848 (5.5%) 0.74 1,963
    2018-09-01 $219,900 (15.8%) $260,591 (9.0%) 0.74 1,907
    2018-10-01 $217,133 (14.7%) $260,543 (10.4%) 0.74 1,890
    2018-11-01 $214,475 (15.7%) $258,527 (10.6%) 0.73 1,801
    2018-12-01 $219,266 (16.4%) $257,064 (9.7%) 0.76 1,615
    2019-01-01 $219,400 (11.3%) $256,397 (6.3%) 0.76 1,449
    2019-02-01 $219,950 (8.9%) $255,839 (4.5%) 0.74 1,362
    2019-03-01 $220,000 (4.8%) $262,573 (3.3%) 0.72 1,369
    2019-04-01 $220,000 (5.5%) $268,519 (4.7%) 0.70 1,413
    2019-05-01 $222,400 (-0.9%) $267,956 (0.9%) 0.70 1,497
    2019-06-01 $229,000 (4.1%) $270,171 (3.3%) 0.72 1,530
    2019-07-01 $233,450 (7.8%) $276,437 (6.2%) 0.73 1,555
    2019-08-01 $234,147 (6.5%) $278,892 (7.7%) 0.74 1,516
    2019-09-01 $237,383 (8.0%) $283,933 (9.0%) 0.76 1,449
    2019-10-01 $239,540 (10.3%) $286,782 (10.1%) 0.77 1,427
    2019-11-01 $234,900 (9.5%) $282,415 (9.2%) 0.77 1,404
    2019-12-01 $236,957 (8.1%) $284,642 (10.7%) 0.79 1,235
    2020-01-01 $239,900 (9.3%) $287,835 (12.3%) 0.80 1,061
    2020-02-01 $240,000 (9.1%) $291,490 (13.9%) 0.79 942
    2020-03-01 $249,993 (13.6%) $299,154 (13.9%) 0.78 904
    2020-04-01 $250,850 (14.0%) $301,074 (12.1%) 0.79 827
    2020-05-01 $254,100 (14.3%) $301,157 (12.4%) 0.77 890
    2020-06-01 $257,150 (12.3%) $301,846 (11.7%) 0.76 914
    2020-07-01 $261,075 (11.8%) $309,563 (12.0%) 0.76 792
    2020-08-01 $259,900 (11.0%) $314,156 (12.6%) 0.74 745
    2020-09-01 $256,650 (8.1%) $319,918 (12.7%) 0.74 724
    2020-10-01 $261,400 (9.1%) $325,379 (13.5%) 0.75 661
    2020-11-01 $257,550 (9.6%) $321,425 (13.8%) 0.75 620
    2020-12-01 $253,050 (6.8%) $313,620 (10.2%) 0.75 603
    2021-01-01 $259,900 (8.3%) $320,332 (11.3%) 0.78 525
    2021-02-01 $268,450 (11.9%) $323,661 (11.0%) 0.78 443
    2021-03-01 $279,125 (11.7%) $333,533 (11.5%) 0.79 447
    2021-04-01 $274,950 (9.6%) $341,816 (13.5%) 0.74 445
    2021-05-01 $279,000 (9.8%) $341,219 (13.3%) 0.74 496
    2021-06-01 $239,950 (-6.7%) $312,460 (3.5%) 0.63 634
    2021-07-01 $239,900 (-8.1%) $304,251 (-1.7%) 0.63 664
    2021-08-01 $239,950 (-7.7%) $308,494 (-1.8%) 0.64 684
    2021-09-01 $239,925 (-6.5%) $300,670 (-6.0%) 0.64 668
    2021-10-01 $249,900 (-4.4%) $318,190 (-2.2%) 0.67 654
    2021-11-01 $249,925 (-3.0%) $327,139 (1.8%) 0.67 610
    2021-12-01 $247,675 (-2.1%) $317,690 (1.3%) 0.67 535
    2022-01-01 $234,500 (-9.8%) $312,166 (-2.6%) 0.63 471
    2022-02-01 $261,950 (-2.4%) $336,308 (3.9%) 0.68 414
    2022-03-01 $262,450 (-6.0%) $337,825 (1.3%) 0.66 434
    2022-04-01 $289,900 (5.4%) $343,406 (0.5%) 0.69 492
    2022-05-01 $277,450 (-0.6%) $344,302 (0.9%) 0.63 565
    2022-06-01 $292,450 (21.9%) $355,315 (13.7%) 0.65 641
    2022-07-01 $298,053 (24.2%) $364,110 (19.7%) 0.67 679
    2022-08-01 $312,450 (30.2%) $367,617 (19.2%) 0.72 683
    2022-09-01 $297,450 (24.0%) $361,348 (20.2%) 0.70 703
    2022-10-01 $309,900 (24.0%) $364,632 (14.6%) 0.73 723
    2022-11-01 $309,500 (23.8%) $367,760 (12.4%) 0.74 706
    2022-12-01 $300,000 (21.1%) $363,491 (14.4%) 0.74 632
    2023-01-01 $319,998 (36.5%) $380,017 (21.7%) 0.79 538
    2023-02-01 $322,423 (23.1%) $388,846 (15.6%) 0.78 517
    2023-03-01 $344,925 (31.4%) $405,093 (19.9%) 0.81 505
    2023-04-01 $319,990 (10.4%) $403,248 (17.4%) 0.74 473
    2023-05-01 $320,550 (15.5%) $408,976 (18.8%) 0.73 503
    2023-06-01 $324,450 (10.9%) $397,203 (11.8%) 0.73 510
    2023-07-01 $332,350 (11.5%) $402,284 (10.5%) 0.76 519
    2023-08-01 $337,225 (7.9%) $405,813 (10.4%) 0.77 542
    2023-09-01 $330,000 (10.9%) $411,843 (14.0%) 0.77 577
    2023-10-01 $322,400 (4.0%) $403,593 (10.7%) 0.76 647
    2023-11-01 $297,575 (-3.9%) $388,152 (5.6%) 0.71 647
    2023-12-01 $306,200 (2.1%) $389,398 (7.1%) 0.75 608
    2024-01-01 $312,165 (-2.5%) $393,962 (3.7%) 0.76 542
    2024-02-01 $302,423 (-6.2%) $385,507 (-0.9%) 0.73 523
    2024-03-01 $309,950 (-10.1%) $387,121 (-4.4%) 0.73 555
    2024-04-01 $321,950 (0.6%) $398,868 (-1.1%) 0.75 559
    2024-05-01 $348,675 (8.8%) $425,138 (4.0%) 0.79 586
    2024-06-01 $349,900 (7.8%) $415,287 (4.6%) 0.80 625
    2024-07-01 $348,450 (4.8%) $421,413 (4.8%) 0.80 705
    2024-08-01 $337,000 (-0.1%) $415,138 (2.3%) 0.78 775
    2024-09-01 $332,450 (0.7%) $403,358 (-2.1%) 0.78 819
    2024-10-01 $333,509 (3.5%) $403,042 (-0.1%) 0.78 864
    2024-11-01 $331,990 (11.6%) $401,997 (3.6%) 0.80 837
    2024-12-01 $334,398 (9.2%) $401,738 (3.2%) 0.83 755
    2025-01-01 $349,450 (11.9%) $408,135 (3.6%) 0.87 708
    2025-02-01 $356,345 (17.8%) $408,910 (6.1%) 0.86 669
    2025-03-01 $364,900 (17.7%) $425,511 (9.9%) 0.86 664
    2025-04-01 $358,698 (11.4%) $425,106 (6.6%) 0.83 731
    2025-05-01 $359,950 (3.2%) $430,779 (1.3%) 0.82 813
    Harrisburg's median listing price for 2025-05-01 was $359,950, a difference of $11,275 (3.2%) versus the prior year and $1,252 versus the prior month.

    Harrisburg's median listing price comes in at 82% of the national average.

    Harrisburg's average listing price for 2025-05-01 was $430,779, a difference of $5,641 (1.3%) versus the prior year and $5,673 versus the prior month.

    For the 2025-05-01 period, Harrisburg had 813 MLS listings, a difference of 82 listings (11%) versus the prior month and 227 listings (39%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Harrisburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 93 days 1,799 sqft
    2018-02-01 88 days 1,814 sqft
    2018-03-01 72 days 1,846 sqft
    2018-04-01 60 days 1,832 sqft
    2018-05-01 54 days 1,850 sqft
    2018-06-01 52 days 1,970 sqft
    2018-07-01 59 days 1,954 sqft
    2018-08-01 62 days 1,950 sqft
    2018-09-01 64 days 1,966 sqft
    2018-10-01 67 days 1,944 sqft
    2018-11-01 72 days 1,920 sqft
    2018-12-01 80 days 1,920 sqft
    2019-01-01 89 days 1,907 sqft
    2019-02-01 85 days 1,900 sqft
    2019-03-01 61 days 1,905 sqft
    2019-04-01 42 days 1,936 sqft
    2019-05-01 42 days 2,018 sqft
    2019-06-01 47 days 2,031 sqft
    2019-07-01 53 days 2,082 sqft
    2019-08-01 54 days 2,070 sqft
    2019-09-01 54 days 2,096 sqft
    2019-10-01 56 days 2,114 sqft
    2019-11-01 60 days 2,105 sqft
    2019-12-01 74 days 2,100 sqft
    2020-01-01 86 days 2,097 sqft
    2020-02-01 72 days 2,100 sqft
    2020-03-01 50 days 2,133 sqft
    2020-04-01 63 days 2,104 sqft
    2020-05-01 66 days 2,132 sqft
    2020-06-01 37 days 2,118 sqft
    2020-07-01 35 days 2,109 sqft
    2020-08-01 32 days 2,114 sqft
    2020-09-01 36 days 2,079 sqft
    2020-10-01 50 days 2,084 sqft
    2020-11-01 51 days 2,067 sqft
    2020-12-01 54 days 2,058 sqft
    2021-01-01 65 days 2,063 sqft
    2021-02-01 59 days 2,070 sqft
    2021-03-01 47 days 2,056 sqft
    2021-04-01 41 days 2,018 sqft
    2021-05-01 36 days 1,962 sqft
    2021-06-01 34 days 1,853 sqft
    2021-07-01 36 days 1,881 sqft
    2021-08-01 37 days 1,863 sqft
    2021-09-01 43 days 1,853 sqft
    2021-10-01 43 days 1,816 sqft
    2021-11-01 44 days 1,830 sqft
    2021-12-01 51 days 1,823 sqft
    2022-01-01 52 days 1,831 sqft
    2022-02-01 43 days 1,869 sqft
    2022-03-01 32 days 1,855 sqft
    2022-04-01 33 days 1,888 sqft
    2022-05-01 35 days 1,885 sqft
    2022-06-01 35 days 1,919 sqft
    2022-07-01 38 days 1,936 sqft
    2022-08-01 39 days 1,956 sqft
    2022-09-01 43 days 1,938 sqft
    2022-10-01 44 days 1,951 sqft
    2022-11-01 47 days 1,964 sqft
    2022-12-01 57 days 1,950 sqft
    2023-01-01 68 days 1,989 sqft
    2023-02-01 60 days 1,934 sqft
    2023-03-01 47 days 2,011 sqft
    2023-04-01 38 days 2,010 sqft
    2023-05-01 36 days 1,990 sqft
    2023-06-01 38 days 1,992 sqft
    2023-07-01 38 days 2,031 sqft
    2023-08-01 34 days 2,038 sqft
    2023-09-01 37 days 2,050 sqft
    2023-10-01 36 days 1,980 sqft
    2023-11-01 43 days 1,911 sqft
    2023-12-01 50 days 1,875 sqft
    2024-01-01 54 days 1,873 sqft
    2024-02-01 43 days 1,844 sqft
    2024-03-01 40 days 1,876 sqft
    2024-04-01 37 days 1,863 sqft
    2024-05-01 31 days 1,907 sqft
    2024-06-01 35 days 1,932 sqft
    2024-07-01 37 days 1,969 sqft
    2024-08-01 37 days 1,967 sqft
    2024-09-01 39 days 1,964 sqft
    2024-10-01 45 days 1,947 sqft
    2024-11-01 46 days 1,936 sqft
    2024-12-01 50 days 1,913 sqft
    2025-01-01 56 days 1,906 sqft
    2025-02-01 49 days 1,904 sqft
    2025-03-01 42 days 1,928 sqft
    2025-04-01 31 days 1,960 sqft
    2025-05-01 32 days 1,984 sqft
    Harrisburg's median listing age (time on market) for 2025-05-01 was 32 days. This is 4% longer than the same period one year ago.

    Harrisburg's median square footage for active listings during the 2025-05-01 period was 1,984 sqft. One year prior, the average listing was 1,907 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.