Huntingdon VA Loan Rates, Closing Costs & Stats

Huntingdon, PA

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.

Huntingdon's 7 lenders originated 10 VA loans during 2023. The total origination value was $2,710,000, with an average VA loan value of $271,000.

Huntingdon VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Huntingdon averaged 6.73% for the week of 2024-03-22, compared to the national average (all VA variants) of 6.539% for the same period.

Huntingdon's average VA mortgage closing costs are $5,637.

The average rate for the prior week (2024-03-15) was 6.34% and one month ago for the week of 2024-02-16, the average rate was 6.56%.

The average rate one year ago was 6.1%.

For refis of the same type during the week of 2024-03-22, the average rate was 6.54%.

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

Huntingdon 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 Huntingdon level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 4 6.94% $4,333
Flagstar Bank, FSB 1 7.25% $9,433
DRAPER AND KRAMER MORTGAGE CORP. 1 6.25% $3,927
Northpointe Bank 1 6.75% $8,849
PENNYMAC LOAN SERVICES, LLC 1 5.75% $4,461
Wyndham Capital Mortgage, Inc. 1 6.13% $12,388
NAVY FEDERAL CREDIT UNION 1 5.63% $20,191

The top Huntingdon VA lender as defined by loan originations is Mortgage Research Center, LLC, with 4 VA loans originated. Their average total fees are $4,333, which is $5,099 lower than the next largest lender, Flagstar Bank, FSB.

The lowest fee Huntingdon VA lenders (with over 10 loans originated) are .

The lowest rate Huntingdon VA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Huntingdon (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 $121,650 (-23.5%) $188,980 (-2.3%) 0.00 119
2018-02-01 $147,625 (-2.3%) $199,251 (5.0%) 0.00 114
2018-03-01 $145,000 (-0.8%) $187,726 (-1.9%) 0.00 108
2018-04-01 $149,975 (9.5%) $197,233 (5.6%) 0.00 134
2018-05-01 $172,450 (27.8%) $214,545 (15.5%) 0.00 133
2018-06-01 $186,000 (25.3%) $221,140 (10.6%) 0.00 141
2018-07-01 $159,750 (6.6%) $201,094 (-0.4%) 0.00 157
2018-08-01 $149,950 (0.0%) $193,653 (-5.4%) 0.00 161
2018-09-01 $150,000 (0.1%) $197,758 (-5.6%) 0.00 161
2018-10-01 $152,375 (3.1%) $205,502 (0.5%) 0.00 152
2018-11-01 $149,175 (3.8%) $202,761 (3.7%) 0.00 147
2018-12-01 $149,900 (11.1%) $181,138 (-7.4%) 0.00 137
2019-01-01 $139,900 (15.0%) $171,412 (-9.3%) 0.00 130
2019-02-01 $136,950 (-7.2%) $184,302 (-7.5%) 0.00 126
2019-03-01 $150,614 (3.9%) $264,729 (41.0%) 0.00 129
2019-04-01 $163,425 (9.0%) $247,783 (25.6%) 0.00 129
2019-05-01 $169,900 (-1.5%) $251,616 (17.3%) 0.00 145
2019-06-01 $163,400 (-12.2%) $245,421 (11.0%) 0.00 149
2019-07-01 $184,900 (15.7%) $253,595 (26.1%) 0.00 160
2019-08-01 $180,636 (20.5%) $252,842 (30.6%) 0.00 161
2019-09-01 $174,091 (16.1%) $248,837 (25.8%) 0.00 151
2019-10-01 $169,000 (10.9%) $246,168 (19.8%) 0.00 143
2019-11-01 $159,900 (7.2%) $244,008 (20.3%) 0.00 140
2019-12-01 $159,450 (6.4%) $246,211 (35.9%) 0.00 129
2020-01-01 $149,900 (7.2%) $249,180 (45.4%) 0.00 122
2020-02-01 $144,900 (5.8%) $235,526 (27.8%) 0.00 106
2020-03-01 $142,450 (-5.4%) $233,930 (-11.6%) 0.00 111
2020-04-01 $139,800 (-14.5%) $219,306 (-11.5%) 0.00 104
2020-05-01 $142,400 (-16.2%) $294,449 (17.0%) 0.00 101
2020-06-01 $173,650 (6.3%) $348,567 (42.0%) 0.00 94
2020-07-01 $169,000 (-8.6%) $352,541 (39.0%) 0.00 89
2020-08-01 $159,400 (-11.8%) $346,717 (37.1%) 0.00 81
2020-09-01 $162,225 (-6.8%) $386,610 (55.4%) 0.00 71
2020-10-01 $179,200 (6.0%) $380,567 (54.6%) 0.00 70
2020-11-01 $165,525 (3.5%) $400,366 (64.1%) 0.00 67
2020-12-01 $162,675 (2.0%) $386,118 (56.8%) 0.00 64
2021-01-01 $162,350 (8.3%) $403,777 (62.0%) 0.00 48
2021-02-01 $139,900 (-3.5%) $280,271 (19.0%) 0.00 40
2021-03-01 $141,150 (-0.9%) $314,706 (34.5%) 0.00 35
2021-04-01 $158,625 (13.5%) $282,206 (28.7%) 0.00 51
2021-05-01 $149,950 (5.3%) $272,661 (-7.4%) 0.00 46
2021-06-01 $149,625 (-13.8%) $261,065 (-25.1%) 0.00 53
2021-07-01 $149,400 (-11.6%) $266,796 (-24.3%) 0.00 50
2021-08-01 $149,000 (-6.5%) $235,209 (-32.2%) 0.00 55
2021-09-01 $167,975 (3.5%) $270,566 (-30.0%) 0.00 61
2021-10-01 $178,900 (-0.2%) $280,807 (-26.2%) 0.00 60
2021-11-01 $209,725 (26.7%) $344,140 (-14.0%) 0.00 55
2021-12-01 $219,850 (35.2%) $355,001 (-8.1%) 0.00 43
2022-01-01 $189,900 (17.0%) $376,376 (-6.8%) 0.00 37
2022-02-01 $194,125 (38.8%) $398,318 (42.1%) 0.00 34
2022-03-01 $205,825 (45.8%) $377,704 (20.0%) 0.00 37
2022-04-01 $209,900 (32.3%) $343,183 (21.6%) 0.00 42
2022-05-01 $189,375 (26.3%) $333,825 (22.4%) 0.00 50
2022-06-01 $196,650 (31.4%) $361,365 (38.4%) 0.00 44
2022-07-01 $195,900 (31.1%) $336,864 (26.3%) 0.00 59
2022-08-01 $194,950 (30.8%) $328,722 (39.8%) 0.00 63
2022-09-01 $190,425 (13.4%) $322,231 (19.1%) 0.00 69
2022-10-01 $180,000 (0.6%) $321,243 (14.4%) 0.00 61
2022-11-01 $174,250 (-16.9%) $300,274 (-12.8%) 0.00 61
2022-12-01 $182,400 (-17.0%) $298,823 (-15.8%) 0.00 55
2023-01-01 $170,925 (-10.0%) $297,991 (-20.8%) 0.00 42
2023-02-01 $179,450 (-7.6%) $291,974 (-26.7%) 0.00 41
2023-03-01 $191,175 (-7.1%) $337,106 (-10.8%) 0.00 44
2023-04-01 $199,900 (-4.8%) $339,485 (-1.1%) 0.00 50
2023-05-01 $202,500 (6.9%) $375,346 (12.4%) 0.00 50
2023-06-01 $227,425 (15.7%) $423,401 (17.2%) 0.00 52
2023-07-01 $199,925 (2.1%) $390,156 (15.8%) 0.00 57
2023-08-01 $202,225 (3.7%) $377,533 (14.9%) 0.00 61
2023-09-01 $210,000 (10.3%) $395,932 (22.9%) 0.00 60
2023-10-01 $218,700 (21.5%) $381,609 (18.8%) 0.00 61
2023-11-01 $212,450 (21.9%) $348,792 (16.2%) 0.00 80
2023-12-01 $189,900 (4.1%) $323,715 (8.3%) 0.00 80
2024-01-01 $184,925 (8.2%) $338,116 (13.5%) 0.00 76
2024-02-01 $197,500 (10.1%) $363,577 (24.5%) 0.00 67
Huntingdon's median listing price for 2024-02-01 was $197,500, a difference of $18,050 (10.1%) versus the prior year and $12,575 versus the prior month.

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

Huntingdon's average listing price for 2024-02-01 was $363,577, a difference of $71,603 (24.5%) versus the prior year and $25,461 versus the prior month.

For the 2024-02-01 period, Huntingdon had 67 MLS listings, a difference of -9 listings (-12%) versus the prior month and 26 listings (63%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Huntingdon (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,573 sqft
2018-02-01 0 days 1,612 sqft
2018-03-01 0 days 1,612 sqft
2018-04-01 0 days 1,648 sqft
2018-05-01 0 days 1,689 sqft
2018-06-01 0 days 1,765 sqft
2018-07-01 0 days 1,650 sqft
2018-08-01 0 days 1,695 sqft
2018-09-01 0 days 1,743 sqft
2018-10-01 0 days 1,698 sqft
2018-11-01 0 days 1,728 sqft
2018-12-01 0 days 1,800 sqft
2019-01-01 0 days 1,609 sqft
2019-02-01 0 days 1,562 sqft
2019-03-01 0 days 1,716 sqft
2019-04-01 0 days 1,826 sqft
2019-05-01 0 days 1,876 sqft
2019-06-01 0 days 1,880 sqft
2019-07-01 0 days 1,871 sqft
2019-08-01 0 days 1,812 sqft
2019-09-01 0 days 1,706 sqft
2019-10-01 0 days 1,674 sqft
2019-11-01 0 days 1,700 sqft
2019-12-01 0 days 1,684 sqft
2020-01-01 0 days 1,617 sqft
2020-02-01 0 days 1,608 sqft
2020-03-01 0 days 1,612 sqft
2020-04-01 0 days 1,582 sqft
2020-05-01 0 days 1,624 sqft
2020-06-01 0 days 1,765 sqft
2020-07-01 0 days 1,846 sqft
2020-08-01 0 days 1,664 sqft
2020-09-01 0 days 1,826 sqft
2020-10-01 0 days 1,803 sqft
2020-11-01 0 days 1,811 sqft
2020-12-01 0 days 1,832 sqft
2021-01-01 0 days 1,772 sqft
2021-02-01 0 days 1,642 sqft
2021-03-01 0 days 1,671 sqft
2021-04-01 0 days 1,663 sqft
2021-05-01 0 days 1,614 sqft
2021-06-01 0 days 1,499 sqft
2021-07-01 0 days 1,514 sqft
2021-08-01 0 days 1,499 sqft
2021-09-01 0 days 1,501 sqft
2021-10-01 0 days 1,490 sqft
2021-11-01 0 days 1,591 sqft
2021-12-01 0 days 1,576 sqft
2022-01-01 0 days 1,574 sqft
2022-02-01 0 days 1,566 sqft
2022-03-01 0 days 1,500 sqft
2022-04-01 0 days 1,566 sqft
2022-05-01 0 days 1,519 sqft
2022-06-01 0 days 1,628 sqft
2022-07-01 0 days 1,600 sqft
2022-08-01 0 days 1,580 sqft
2022-09-01 0 days 1,490 sqft
2022-10-01 0 days 1,555 sqft
2022-11-01 0 days 1,368 sqft
2022-12-01 0 days 1,367 sqft
2023-01-01 0 days 1,369 sqft
2023-02-01 0 days 1,365 sqft
2023-03-01 0 days 1,305 sqft
2023-04-01 0 days 1,359 sqft
2023-05-01 0 days 1,509 sqft
2023-06-01 0 days 1,575 sqft
2023-07-01 0 days 1,602 sqft
2023-08-01 0 days 1,584 sqft
2023-09-01 0 days 1,575 sqft
2023-10-01 0 days 1,633 sqft
2023-11-01 0 days 1,638 sqft
2023-12-01 0 days 1,638 sqft
2024-01-01 0 days 1,704 sqft
2024-02-01 0 days 1,741 sqft
Huntingdon's median listing age (time on market) for 2024-02-01 was 0 days.

Huntingdon's median square footage for active listings during the 2024-02-01 period was 1,741 sqft. One year prior, the average listing was 1,365 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.