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 86 lenders originated 592 VA loans during 2023. The total origination value was $181,430,000, with an average VA loan value of $306,470.

    Harrisburg VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Harrisburg averaged 6.72% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Harrisburg's average VA mortgage closing costs are $6,677.

    The average rate for the prior week (2025-02-07) was 6.65% and one month ago for the week of 2025-01-10, the average rate was 6.69%.

    The average rate one year ago was 6.51%.

    For refis of the same type during the week of 2025-02-14, the average rate was 7.08%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 111 6.76% $8,324
    QUICKEN LOANS, LLC 44 6.30% $13,181
    UNITED WHOLESALE MORTGAGE, LLC 39 6.16% $9,250
    NAVY FEDERAL CREDIT UNION 30 5.86% $7,536
    Citizens Bank 22 6.14% $14,999
    NEW DAY FINANCIAL, LLC 19 7.55% $12,352
    Northpointe Bank 17 6.27% $9,753
    USAA Federal Savings Bank 17 6.15% $9,120
    FREEDOM MORTGAGE CORPORATION 15 6.70% $17,470
    CROSSCOUNTRY MORTGAGE, LLC 13 6.58% $10,416
    LOANDEPOT.COM, LLC 11 6.42% $13,130
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 10 6.72% $9,446
    Mr. Cooper ( Nationstar Mortgage ) 10 6.15% $13,597
    GUARANTEED RATE AFFINITY, LLC 9 6.64% $7,706
    The Federal Savings Bank 8 6.22% $22,586
    TIDEWATER MORTGAGE SERVICES, INC. 8 6.58% $11,387
    PENNYMAC LOAN SERVICES, LLC 7 5.55% $13,085
    HOMESPIRE MORTGAGE CORPORATION 7 6.77% $6,120
    NVR Mortgage Finance, Inc. 7 5.46% $5,473
    GUILD MORTGAGE COMPANY 6 6.60% $9,613
    CMG MORTGAGE, INC. 6 6.90% $8,315
    First National Bank of Pennsylvania 6 6.17% $8,780
    UNION HOME MORTGAGE CORP. 5 6.55% $12,142
    VILLAGE CAPITAL MORTGAGE 4 6.25% $13,396
    CARDINAL FINANCIAL 4 6.06% $10,129
    Univest Bank and Trust Co. 4 6.84% $9,152
    PENTAGON FEDERAL CREDIT UNION 4 5.88% $8,642
    Mid-Continent Funding, Inc. 4 6.66% $12,100
    MOVEMENT MORTGAGE, LLC 4 6.66% $10,733
    LAKEVIEW LOAN SERVICING, LLC 3 6.17% $12,677
    Magnolia Bank 3 6.04% $17,285
    MEMBERS 1ST FEDERAL CREDIT UNION 3 6.58% $9,836
    NEWREZ LLC 3 6.58% $9,518
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.54% $12,418
    EMM LOANS LLC 3 6.13% $18,636
    Equity Prime Mortgage LLC 3 6.50% $12,820
    Farmers and Merchants Trust Company of Chambersburg 3 6.42% $9,414
    FIRST ALLIANCE HOME MORTGAGE, LLC 3 7.33% $11,920
    York Traditions Bank 3 6.38% $9,367
    Wells Fargo Bank 3 5.96% $7,900
    NATIONS DIRECT MORTGAGE, LLC 2 6.25% $8,625
    AMERICAN FINANCING CORPORATION 2 5.75% $9,467
    AmeriHome Mortgage Company, LLC 2 6.31% $8,959
    AMERISAVE MORTGAGE CORPORATION 2 6.25% $16,130
    Barrington Bank & Trust Company, N.A. 2 5.75% $5,898
    BNC National Bank 2 5.50% $9,198
    BROKER SOLUTIONS, INC. 2 6.75% $12,106
    Flagstar Bank, FSB 2 6.38% $11,293
    Foote Capital Mortgage Company 2 6.81% $11,150
    GUARANTY HOME MORTGAGE CORPORATION 2 5.94% $12,656
    HomePromise Corporation 2 7.25% $13,601
    HOWARD HANNA FINANCIAL SERVICES, INC. 2 6.31% $9,948
    M&T Bank 2 6.38% $5,571
    NBKC BANK 2 6.75% $4,739
    SOVEREIGN LENDING GROUP INCORPORATED 2 5.44% $18,210
    Mortgage America, Inc. 1 6.75% $16,966
    ARC HOME LLC 1 5.63% $18,338
    MORTGAGE ACCESS CORP. 1 5.75% $11,957
    MILEND, INC. 1 6.88% $14,638
    NFM, INC. 1 6.75% $4,850
    MEMBER FIRST MORTGAGE, LLC 1 7.13% $5,123
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $8,017
    Lakeview Community Capital, LLC 1 7.25% $11,982
    Orrstown Bank 1 6.75% $7,035
    Integrity Home Mortgage Corp 1 6.50% $11,814
    HOMESTEAD FUNDING CORP. 1 5.63% $15,353
    PNC Bank 1 6.25% $6,243
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.88% $12,981
    Prosperity Home Mortgage, LLC 1 7.38% $12,104
    Homesale Mortgage, LLC 1 6.63% $12,529
    Residential Mortgage Solutions, Inc. 1 6.99% $10,922
    ROSS MORTGAGE CORPORATION 1 6.38% $30,948
    ROYAL UNITED MORTGAGE LLC 1 7.50% $13,047
    Sierra Pacific Mortgage Company, Inc. 1 6.75% $14,565
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $11,342
    SWBC MORTGAGE CORPORATION 1 6.75% $5,627
    GUARANTEED RATE, INC. 1 6.75% $18,701
    FIRST COMMUNITY MORTGAGE, INC. 1 7.00% $11,271
    TJC Mortgage, Inc. 1 5.75% $8,315
    FIRST COLONY MORTGAGE CORPORATION 1 7.00% $6,534
    ENVOY MORTGAGE, LTD 1 6.13% $16,716
    EMBRACE HOME LOANS, INC. 1 7.13% $18,482
    CANOPY MORTGAGE, LLC 1 7.25% $9,112
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.25% $10,509
    AMERICAN FINANCIAL NETWORK, INC. 1 7.50% $30,045
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.25% $19,374

    The top Harrisburg VA lender as defined by loan originations is Mortgage Research Center, LLC, with 111 VA loans originated. Their average total fees are $8,324, which is $4,857 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Harrisburg VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($7,536), Mortgage Research Center, LLC ($8,324), USAA Federal Savings Bank ($9,120), UNITED WHOLESALE MORTGAGE, LLC ($9,250) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($9,446).

    The lowest rate Harrisburg VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION (5.86%), Citizens Bank (6.14%), Mr. Cooper ( Nationstar Mortgage ) (6.15%), USAA Federal Savings Bank (6.15%) and UNITED WHOLESALE MORTGAGE, LLC (6.16%).

    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%) 0.73 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%) 0.71 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%) 0.80 586
    2024-06-01 $349,900 (7.8%) $415,287 (4.6%) 0.79 625
    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%) 0.00 708
    Harrisburg's median listing price for 2025-01-01 was $349,450, a difference of $37,285 (11.9%) versus the prior year and $15,052 versus the prior month.

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

    Harrisburg's average listing price for 2025-01-01 was $408,135, a difference of $14,173 (3.6%) versus the prior year and $6,397 versus the prior month.

    For the 2025-01-01 period, Harrisburg had 708 MLS listings, a difference of -47 listings (-6%) versus the prior month and 166 listings (31%) 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 48 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 35 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 28 days 1,907 sqft
    2024-06-01 30 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 0 days 1,906 sqft
    Harrisburg'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.

    Harrisburg's median square footage for active listings during the 2025-01-01 period was 1,906 sqft. One year prior, the average listing was 1,873 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.