Hartford VA Loan Rates, Closing Costs & Stats

HARTFORD-EAST HARTFORD-MIDDLETOWN, CT

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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.

    Hartford's 72 lenders originated 586 VA loans during 2023. The total origination value was $206,370,000, with an average VA loan value of $352,167.

    Hartford VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Hartford averaged 6.5% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Hartford's average VA mortgage closing costs are $6,630.

    The average rate for the prior week (2025-02-07) was 6.33% and one month ago for the week of 2025-01-10, the average rate was 6.47%.

    The average rate one year ago was 6.29%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.49%.

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

    Hartford 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 Hartford level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 148 6.82% $9,027
    NAVY FEDERAL CREDIT UNION 46 5.88% $7,476
    QUICKEN LOANS, LLC 37 6.16% $13,917
    MOVEMENT MORTGAGE, LLC 31 6.33% $7,765
    UNITED WHOLESALE MORTGAGE, LLC 26 6.29% $10,611
    USAA Federal Savings Bank 19 6.09% $10,209
    FREEDOM MORTGAGE CORPORATION 16 6.60% $17,419
    The Federal Savings Bank 14 6.33% $17,298
    NEW DAY FINANCIAL, LLC 12 7.52% $15,728
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 12 6.60% $9,999
    LOANDEPOT.COM, LLC 11 6.21% $13,725
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 11 6.22% $11,088
    PENNYMAC LOAN SERVICES, LLC 10 5.44% $9,156
    TOTAL MORTGAGE SERVICES, LLC 10 6.56% $11,593
    NEWREZ LLC 9 6.47% $11,204
    Prosperity Home Mortgage, LLC 8 6.20% $7,175
    FIRST WORLD MORTGAGE CORPORATION 8 6.06% $12,043
    HOMEBRIDGE FINANCIAL SERVICES, INC. 7 6.79% $9,131
    NORWICH COMMERCIAL GROUP, INC. 7 6.23% $7,759
    GUARANTEED RATE, INC. 7 6.24% $8,500
    Mr. Cooper ( Nationstar Mortgage ) 5 5.75% $16,605
    PROVINCE MORTGAGE ASSOCIATES, INC. 5 6.90% $10,373
    AMERISAVE MORTGAGE CORPORATION 5 5.68% $29,674
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 6.44% $11,159
    ENVOY MORTGAGE, LTD 4 6.53% $22,694
    T2 FINANCIAL LLC 4 6.81% $10,488
    BROKER SOLUTIONS, INC. 4 6.63% $13,257
    GUARANTEED RATE AFFINITY, LLC 4 5.71% $8,484
    PLAZA HOME MORTGAGE, INC. 4 6.72% $15,396
    CROSSCOUNTRY MORTGAGE, LLC 4 6.47% $5,431
    MORTGAGE EQUITY PARTNERS LLC 3 5.92% $14,089
    Citizens Bank 3 6.38% $14,277
    CMG MORTGAGE, INC. 3 6.17% $4,033
    PENTAGON FEDERAL CREDIT UNION 3 6.13% $8,968
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.08% $19,031
    PLANET HOME LENDING, LLC 2 6.00% $7,995
    Barrington Bank & Trust Company, N.A. 2 6.38% $8,443
    CARDINAL FINANCIAL 2 6.00% $21,610
    Equity Prime Mortgage LLC 2 6.56% $17,994
    Flagstar Bank, FSB 2 6.69% $14,187
    Lakeview Community Capital, LLC 2 6.69% $9,115
    NBKC BANK 2 6.06% $3,266
    Paramount Residential Mortgage Group, Inc. 2 5.75% $9,336
    PHH Mortgage Corporation 2 6.56% $16,997
    U.S. Bank 2 5.31% $17,798
    Waterstone Mortgage Corporation 2 6.81% $11,905
    Wells Fargo Bank 2 6.25% $12,739
    Leader Bank 1 6.25% $9,694
    BAY EQUITY LLC 1 6.50% $13,558
    KeyBank 1 6.38% $4,154
    HOMESTEAD FUNDING CORP. 1 6.13% $7,538
    Armed Forces Bank 1 7.25% $4,599
    Plains Commerce Bank 1 5.25% $9,348
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.63% $8,968
    GUILD MORTGAGE COMPANY 1 7.00% $17,856
    POLARIS HOME FUNDING CORP. 1 6.13% $16,091
    FM Home Loans, LLC 1 5.63% $9,136
    Evolve Bank & Trust 1 5.75% $10,126
    EVERETT FINANCIAL, INC. 1 7.50% $7,788
    RESIDENTIAL HOME FUNDING CORP. 1 5.63% $7,194
    Semper Home Loans, Inc. 1 5.63% $22,962
    Capital Bank 1 6.63% $16,706
    TD Bank 1 6.13% $9,337
    CALIBER HOME LOANS, INC. 1 6.25% $10,515
    TJC Mortgage, Inc. 1 5.25% $23,799
    CALCON MUTUAL MORTGAGE LLC 1 7.00% $10,023
    Nations Lending Corporation 1 6.25% $9,721
    TOWNE MORTGAGE COMPANY 1 5.75% $14,785
    NATIONS DIRECT MORTGAGE, LLC 1 7.25% $14,654
    LEADERONE FINANCIAL CORPORATION 1 7.25% $9,155
    Northpointe Bank 1 6.25% $20,032
    NORTHPOINT MORTGAGE, INC. 1 5.88% $10,151

    The top Hartford VA lender as defined by loan originations is Mortgage Research Center, LLC, with 148 VA loans originated. Their average total fees are $9,027, which is $1,550 higher than the next largest lender, NAVY FEDERAL CREDIT UNION.

    The lowest fee Hartford VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($7,476), MOVEMENT MORTGAGE, LLC ($7,765), Mortgage Research Center, LLC ($9,027), PENNYMAC LOAN SERVICES, LLC ($9,156) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($9,999).

    The lowest rate Hartford VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.44%), NAVY FEDERAL CREDIT UNION (5.88%), USAA Federal Savings Bank (6.09%), QUICKEN LOANS, LLC (6.16%) and LOANDEPOT.COM, LLC (6.21%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Hartford (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 $279,900 (3.7%) $364,407 (4.4%) 1.00 3,897
    2018-02-01 $279,900 (1.1%) $363,803 (2.5%) 0.97 3,852
    2018-03-01 $299,000 (5.0%) $371,350 (-1.0%) 1.00 4,081
    2018-04-01 $299,900 (3.8%) $377,877 (-0.2%) 0.98 4,244
    2018-05-01 $299,900 (1.1%) $378,367 (-0.1%) 0.96 4,660
    2018-06-01 $299,900 (0.3%) $381,094 (-0.5%) 0.97 4,956
    2018-07-01 $299,450 (1.5%) $374,729 (-2.4%) 0.96 5,252
    2018-08-01 $294,900 (1.9%) $370,156 (-2.9%) 0.95 5,233
    2018-09-01 $289,900 (0.0%) $364,570 (-3.2%) 0.94 5,302
    2018-10-01 $289,900 (1.1%) $365,793 (-1.6%) 0.95 5,234
    2018-11-01 $289,700 (1.7%) $367,371 (-0.6%) 0.95 4,964
    2018-12-01 $284,900 (1.0%) $368,771 (-0.2%) 0.95 4,447
    2019-01-01 $282,450 (0.9%) $364,387 (0.0%) 0.95 3,967
    2019-02-01 $292,250 (4.4%) $369,911 (1.7%) 0.95 3,849
    2019-03-01 $296,814 (-0.7%) $375,600 (1.1%) 0.94 3,897
    2019-04-01 $303,075 (1.1%) $383,715 (1.5%) 0.94 3,999
    2019-05-01 $309,950 (3.4%) $387,420 (2.4%) 0.94 4,319
    2019-06-01 $314,900 (5.0%) $387,835 (1.8%) 0.95 4,545
    2019-07-01 $304,500 (1.7%) $382,159 (2.0%) 0.94 4,694
    2019-08-01 $299,973 (1.7%) $378,617 (2.3%) 0.95 4,686
    2019-09-01 $299,932 (3.5%) $376,066 (3.2%) 0.95 4,683
    2019-10-01 $299,900 (3.5%) $374,693 (2.4%) 0.96 4,625
    2019-11-01 $299,900 (3.5%) $373,680 (1.7%) 0.95 4,215
    2019-12-01 $296,275 (4.0%) $372,591 (1.0%) 0.97 3,657
    2020-01-01 $292,975 (3.7%) $369,222 (1.3%) 0.95 3,169
    2020-02-01 $299,900 (2.6%) $374,539 (1.3%) 0.95 2,989
    2020-03-01 $319,422 (7.6%) $391,698 (4.3%) 0.96 2,965
    2020-04-01 $319,900 (5.6%) $393,414 (2.5%) 0.97 2,877
    2020-05-01 $329,900 (6.4%) $403,482 (4.2%) 0.99 2,757
    2020-06-01 $344,450 (9.4%) $426,776 (10.0%) 0.98 2,613
    2020-07-01 $349,950 (14.9%) $442,440 (15.8%) 1.00 2,380
    2020-08-01 $349,900 (16.6%) $450,107 (18.9%) 0.99 2,241
    2020-09-01 $349,400 (16.5%) $453,087 (20.5%) 0.97 2,254
    2020-10-01 $348,900 (16.3%) $457,720 (22.2%) 0.97 2,258
    2020-11-01 $349,900 (16.7%) $458,481 (22.7%) 0.99 2,135
    2020-12-01 $349,900 (18.1%) $466,238 (25.1%) 1.01 1,832
    2021-01-01 $350,000 (19.5%) $473,382 (28.2%) 1.03 1,453
    2021-02-01 $362,400 (20.8%) $493,583 (31.8%) 1.03 1,213
    2021-03-01 $364,900 (14.2%) $502,626 (28.3%) 1.00 1,220
    2021-04-01 $369,900 (15.6%) $500,697 (27.3%) 0.97 1,263
    2021-05-01 $359,900 (9.1%) $489,338 (21.3%) 0.93 1,343
    2021-06-01 $349,900 (1.6%) $482,051 (13.0%) 0.90 1,548
    2021-07-01 $346,950 (-0.9%) $472,405 (6.8%) 0.88 1,741
    2021-08-01 $337,850 (-3.4%) $454,440 (1.0%) 0.88 1,839
    2021-09-01 $339,047 (-3.0%) $454,380 (0.3%) 0.88 1,778
    2021-10-01 $335,000 (-4.0%) $466,806 (2.0%) 0.88 1,695
    2021-11-01 $348,975 (-0.3%) $485,838 (6.0%) 0.90 1,427
    2021-12-01 $349,975 (0.0%) $508,733 (9.1%) 0.94 1,154
    2022-01-01 $359,900 (2.8%) $518,938 (9.6%) 0.95 956
    2022-02-01 $372,000 (2.7%) $539,934 (9.4%) 0.94 841
    2022-03-01 $358,175 (-1.8%) $520,682 (3.6%) 0.88 872
    2022-04-01 $354,900 (-4.1%) $496,606 (-0.8%) 0.83 986
    2022-05-01 $369,900 (2.8%) $531,825 (8.7%) 0.83 1,160
    2022-06-01 $379,900 (8.6%) $526,077 (9.1%) 0.82 1,316
    2022-07-01 $385,000 (11.0%) $529,730 (12.1%) 0.85 1,461
    2022-08-01 $382,000 (13.1%) $535,380 (17.8%) 0.86 1,396
    2022-09-01 $384,950 (13.5%) $551,887 (21.5%) 0.87 1,273
    2022-10-01 $382,500 (14.2%) $567,499 (21.6%) 0.88 1,275
    2022-11-01 $382,400 (9.6%) $571,115 (17.6%) 0.90 1,206
    2022-12-01 $375,000 (7.2%) $583,784 (14.8%) 0.90 1,009
    2023-01-01 $379,950 (5.6%) $606,238 (16.8%) 0.92 806
    2023-02-01 $402,688 (8.3%) $637,551 (18.1%) 0.96 759
    2023-03-01 $407,500 (13.8%) $657,088 (26.2%) 0.95 725
    2023-04-01 $414,950 (16.9%) $641,595 (29.2%) 0.93 818
    2023-05-01 $436,725 (18.1%) $651,034 (22.4%) 0.96 868
    2023-06-01 $449,450 (18.3%) $641,420 (21.9%) 0.98 963
    2023-07-01 $449,900 (16.9%) $632,573 (19.4%) 0.99 988
    2023-08-01 $400,000 (4.7%) $573,672 (7.2%) 0.92 1,014
    2023-09-01 $410,000 (6.5%) $577,259 (4.6%) 0.93 1,067
    2023-10-01 $412,450 (7.8%) $598,861 (5.5%) 0.94 1,064
    2023-11-01 $399,950 (4.6%) $581,937 (1.9%) 0.95 1,083
    2023-12-01 $399,900 (6.6%) $580,050 (-0.6%) 0.95 874
    2024-01-01 $399,900 (5.3%) $589,768 (-2.7%) 0.96 790
    2024-02-01 $407,000 (1.1%) $607,286 (-4.8%) 0.96 753
    2024-03-01 $409,450 (0.5%) $600,467 (-8.6%) 0.94 759
    2024-04-01 $424,950 (2.4%) $610,634 (-4.8%) 0.94 834
    2024-05-01 $454,900 (4.2%) $635,778 (-2.3%) 1.01 911
    2024-06-01 $449,900 (0.1%) $620,667 (-3.2%) 1.01 1,014
    2024-07-01 $438,675 (-2.5%) $617,318 (-2.4%) 0.96 1,061
    2024-08-01 $425,000 (6.3%) $623,832 (8.7%) 0.97 1,096
    2024-09-01 $425,000 (3.7%) $609,995 (5.7%) 0.97 1,199
    2024-10-01 $409,950 (-0.6%) $587,799 (-1.9%) 0.94 1,219
    2024-11-01 $406,250 (1.6%) $578,827 (-0.5%) 0.96 1,131
    2024-12-01 $414,950 (3.8%) $588,764 (1.5%) 0.99 899
    2025-01-01 $408,375 (2.1%) $601,045 (1.9%) 0.00 805
    Hartford's median listing price for 2025-01-01 was $408,375, a difference of $8,475 (2.1%) versus the prior year and $-6,575 versus the prior month.

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

    Hartford's average listing price for 2025-01-01 was $601,045, a difference of $11,277 (1.9%) versus the prior year and $12,281 versus the prior month.

    For the 2025-01-01 period, Hartford had 805 MLS listings, a difference of -94 listings (-10%) versus the prior month and 15 listings (2%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hartford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 86 days 1,768 sqft
    2018-02-01 80 days 1,760 sqft
    2018-03-01 57 days 1,823 sqft
    2018-04-01 52 days 1,841 sqft
    2018-05-01 47 days 1,857 sqft
    2018-06-01 49 days 1,872 sqft
    2018-07-01 54 days 1,860 sqft
    2018-08-01 61 days 1,826 sqft
    2018-09-01 67 days 1,816 sqft
    2018-10-01 69 days 1,818 sqft
    2018-11-01 71 days 1,803 sqft
    2018-12-01 80 days 1,798 sqft
    2019-01-01 88 days 1,795 sqft
    2019-02-01 86 days 1,808 sqft
    2019-03-01 68 days 1,814 sqft
    2019-04-01 47 days 1,832 sqft
    2019-05-01 44 days 1,932 sqft
    2019-06-01 47 days 2,020 sqft
    2019-07-01 54 days 2,004 sqft
    2019-08-01 58 days 2,001 sqft
    2019-09-01 60 days 2,003 sqft
    2019-10-01 63 days 2,008 sqft
    2019-11-01 67 days 2,004 sqft
    2019-12-01 77 days 1,989 sqft
    2020-01-01 82 days 1,944 sqft
    2020-02-01 71 days 1,975 sqft
    2020-03-01 51 days 2,020 sqft
    2020-04-01 58 days 2,009 sqft
    2020-05-01 66 days 2,044 sqft
    2020-06-01 48 days 2,108 sqft
    2020-07-01 44 days 2,132 sqft
    2020-08-01 41 days 2,104 sqft
    2020-09-01 39 days 2,046 sqft
    2020-10-01 37 days 2,016 sqft
    2020-11-01 44 days 1,993 sqft
    2020-12-01 57 days 1,994 sqft
    2021-01-01 60 days 1,986 sqft
    2021-02-01 51 days 1,995 sqft
    2021-03-01 30 days 1,980 sqft
    2021-04-01 23 days 2,002 sqft
    2021-05-01 22 days 1,974 sqft
    2021-06-01 22 days 1,914 sqft
    2021-07-01 29 days 1,896 sqft
    2021-08-01 29 days 1,752 sqft
    2021-09-01 37 days 1,752 sqft
    2021-10-01 35 days 1,728 sqft
    2021-11-01 43 days 1,770 sqft
    2021-12-01 50 days 1,766 sqft
    2022-01-01 61 days 1,790 sqft
    2022-02-01 31 days 1,786 sqft
    2022-03-01 20 days 1,740 sqft
    2022-04-01 15 days 1,714 sqft
    2022-05-01 15 days 1,768 sqft
    2022-06-01 17 days 1,800 sqft
    2022-07-01 24 days 1,796 sqft
    2022-08-01 32 days 1,955 sqft
    2022-09-01 37 days 1,989 sqft
    2022-10-01 32 days 2,012 sqft
    2022-11-01 41 days 1,977 sqft
    2022-12-01 55 days 1,949 sqft
    2023-01-01 56 days 1,946 sqft
    2023-02-01 34 days 2,003 sqft
    2023-03-01 29 days 1,982 sqft
    2023-04-01 21 days 2,030 sqft
    2023-05-01 19 days 2,079 sqft
    2023-06-01 18 days 2,077 sqft
    2023-07-01 23 days 2,089 sqft
    2023-08-01 37 days 1,951 sqft
    2023-09-01 37 days 1,998 sqft
    2023-10-01 37 days 1,994 sqft
    2023-11-01 37 days 1,955 sqft
    2023-12-01 45 days 1,890 sqft
    2024-01-01 52 days 1,889 sqft
    2024-02-01 41 days 1,873 sqft
    2024-03-01 37 days 1,860 sqft
    2024-04-01 30 days 1,741 sqft
    2024-05-01 16 days 1,816 sqft
    2024-06-01 17 days 1,831 sqft
    2024-07-01 31 days 1,794 sqft
    2024-08-01 33 days 1,773 sqft
    2024-09-01 33 days 1,783 sqft
    2024-10-01 33 days 1,743 sqft
    2024-11-01 40 days 1,722 sqft
    2024-12-01 49 days 1,722 sqft
    2025-01-01 0 days 1,701 sqft
    Hartford'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.

    Hartford's median square footage for active listings during the 2025-01-01 period was 1,701 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.