Lakeland VA Loan Rates, Closing Costs & Stats

LAKELAND-WINTER HAVEN, FL

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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.

    Lakeland's 158 lenders originated 2,061 VA loans during 2024. The total origination value was $698,645,000, with an average VA loan value of $338,984.

    Lakeland VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Lakeland averaged -0.21% for the week of 2026-09-11, compared to the national average (all VA variants) of 0% for the same period.

    Lakeland's average VA mortgage closing costs are $6,430.

    The average rate for the prior week (2026-09-04) was 6.48% and one month ago for the week of 2026-08-07, the average rate was 6.27%.

    The average rate one year ago was 5.86%.

    For refis of the same type during the week of 2026-09-11, the average rate was -0.15%.

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

    Lakeland 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 Lakeland level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 247 5.99% $7,249
    Mortgage Research Center, LLC 221 6.33% $6,215
    FREEDOM MORTGAGE CORPORATION 121 6.19% $8,612
    QUICKEN LOANS, LLC 106 6.03% $10,729
    DHI MORTGAGE COMPANY, LTD. 96 5.13% $5,580
    EAGLE HOME MORTGAGE, LLC 89 4.91% $2,838
    LOANDEPOT.COM, LLC 57 5.70% $10,213
    VILLAGE CAPITAL MORTGAGE 46 5.74% $6,412
    CROSSCOUNTRY MORTGAGE, LLC 44 6.00% $7,593
    NAVY FEDERAL CREDIT UNION 42 5.93% $3,589
    HOMEAMERICAN MORTGAGE CORPORATION 35 4.94% $2,912
    NEW DAY FINANCIAL, LLC 34 7.23% $12,326
    VANDERBILT MORTGAGE AND FINANCE, INC. 34 5.38% $2,194
    HOME SOLUTION LENDERS INC. 34 5.94% $7,191
    BROKER SOLUTIONS, INC. 33 6.50% $12,131
    NEWREZ LLC 28 6.17% $6,378
    GUARANTEED RATE, INC. 24 5.74% $5,219
    PULTE MORTGAGE LLC 23 5.06% $4,169
    NFM, INC. 23 5.71% $11,464
    South Pacific Financial Corporation 22 5.13% $6,289
    PENNYMAC LOAN SERVICES, LLC 20 5.76% $7,560
    GARDNER FINANCIAL SERVICES, LTD. 18 6.72% $6,912
    Equity Prime Mortgage LLC 18 6.64% $7,905
    KBHS HOME LOANS, LLC 18 6.07% $8,100
    USAA Federal Savings Bank 18 6.23% $10,482
    CMG MORTGAGE, INC. 17 5.68% $10,450
    FBC MORTGAGE, LLC 16 5.85% $5,715
    EVERETT FINANCIAL, INC. 14 6.76% $12,972
    Waterstone Mortgage Corporation 14 6.21% $15,871
    Barrington Bank & Trust Company, N.A. 13 6.57% $8,359
    LAKEVIEW LOAN SERVICING, LLC 13 5.81% $6,843
    CARDINAL FINANCIAL 13 6.15% $12,502
    GUILD MORTGAGE COMPANY 13 6.38% $9,950
    MORTGAGE SOLUTIONS OF COLORADO, LLC 13 7.47% $6,967
    SUN WEST MORTGAGE COMPANY, INC. 12 5.83% $11,838
    HOMESIDE FINANCIAL, LLC 12 6.69% $8,673
    Plains Commerce Bank 11 6.38% $11,028
    MOVEMENT MORTGAGE, LLC 11 6.10% $10,140
    First Heritage Mortgage, LLC 10 5.77% $11,233
    Mr. Cooper ( Nationstar Mortgage ) 10 6.29% $8,758
    NVR Mortgage Finance, Inc. 10 6.07% $6,388
    The Federal Savings Bank 10 6.39% $18,108
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.60% $6,159
    Carrington Mortgage Services, LLC 9 5.97% $14,222
    Paramount Residential Mortgage Group, Inc. 8 6.48% $12,277
    UNION HOME MORTGAGE CORP. 8 6.19% $9,682
    Flagstar Bank, FSB 8 6.36% $9,283
    STOCKTON MORTGAGE CORPORATION 8 6.50% $10,734
    PLANET HOME LENDING, LLC 7 5.93% $5,490
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.15% $3,195
    THE MORTGAGE FIRM, INC. 6 6.60% $9,968
    PENTAGON FEDERAL CREDIT UNION 6 6.04% $6,199
    Mid-Continent Funding, Inc. 6 6.23% $7,931
    CLEARPATH LENDING 5 5.65% $10,665
    PARK SQUARE HOME MORTGAGE, LLC 5 5.04% $5,938
    Nations Lending Corporation 5 6.30% $10,430
    First Federal Bank 4 6.22% $11,290
    INTELLILOAN, INC. 4 6.00% $2,004
    GUARANTEED RATE AFFINITY, LLC 4 6.15% $8,583
    JMAC LENDING, INC. 4 5.72% $12,232
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.09% $11,617
    AMERICAN FINANCIAL NETWORK, INC. 4 6.41% $11,984
    LOANPAL, LLC 4 6.06% $15,792
    PHH Mortgage Corporation 4 5.72% $4,542
    NBKC BANK 4 5.87% $6,521
    M/I FINANCIAL, LLC 3 5.38% $24,912
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.63% $9,532
    Gateway First Bank 3 6.58% $3,149
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.25% $5,785
    GoPrime Mortgage, Inc. 3 6.38% $7,754
    PLAZA HOME MORTGAGE, INC. 3 6.21% $11,291
    INSPIRE HOME LOANS INC. 3 4.83% $4,722
    Ixonia Bank 3 5.83% $13,773
    JPMorgan Chase Bank 3 5.75% $4,510
    Lakeview Community Capital, LLC 3 5.00% $6,804
    ALKAN MORTGAGE CORPORATION 3 6.88% $11,985
    The Loan Store, Inc. 3 6.29% $7,023
    DAS Acquisition Company, LLC 3 6.29% $10,786
    Mortgage Lenders Investment Trading Corporation 3 6.33% $13,152
    SWBC MORTGAGE CORPORATION 3 6.04% $5,646
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.35% $2,759
    Magnolia Bank 2 6.19% $12,961
    RELIANCE FIRST CAPITAL, LLC 2 6.13% $18,170
    TOP FLITE FINANCIAL, INC. 2 6.50% $9,592
    Sierra Pacific Mortgage Company, Inc. 2 5.75% $4,409
    METROPLEX MORTGAGE SERVICES, INC. 2 6.75% $4,080
    MICHIGAN MUTUAL, INC. 2 7.00% $25,982
    South State Bank 2 6.00% $9,019
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 7.50% $9,557
    Armed Forces Bank 2 6.38% $4,756
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.62% $16,992
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.19% $12,344
    PREFERRED LENDING SERVICES, LLC 2 5.88% $9,437
    AMERICAN BANCSHARES MORTGAGE 2 6.88% $15,633
    GENEVA FINANCIAL, LLC 2 7.00% $15,762
    Encompass Lending Group, LP 2 6.12% $9,317
    Century Mortgage Company DBA Century Lending Company 2 6.44% $853
    NETWORK CAPITAL FUNDING CORPORATION 2 6.31% $22,070
    Hometown Equity Mortgage, LLC 2 6.63% $8,953
    AMERISAVE MORTGAGE CORPORATION 2 6.06% $18,128
    Ameris Bank 2 5.75% $10,218
    Wolfe Financial, Inc 1 7.00% $2,041
    Alcova Mortgage LLC 1 7.00% $5,573
    ALLIANT CREDIT UNION 1 5.50% $1,866
    ALLIED MORTGAGE GROUP, INC. 1 5.75% $8,194
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $7,678
    American Mortgage Bank, LLC 1 6.25% $6,913
    AmeriHome Mortgage Company, LLC 1 5.38% $6,743
    AmRes Corporation 1 6.63% $9,983
    BancorpSouth 1 6.50% $8,226
    BAYSHORE MORTGAGE FUNDING, LLC 1 6.75% $19,945
    BELEM SERVICING LLC 1 5.25% $4,432
    Blue Ridge Bank 1 6.63% $6,596
    CASTLE & COOKE MORTGAGE, LLC 1 6.25% $13,617
    Centennial Bank 1 6.75% $4,554
    CityWorth Mortgage LLC 1 6.25% $650
    Cornerstone First Mortgage, Inc 1 6.25% $10,515
    Credence Funding Corporation 1 6.50% $1,375
    DELMAR FINANCIAL COMPANY 1 6.25% $7,884
    DG PINNACLE FUNDING LLC 1 6.75% $7,500
    EMM LOANS LLC 1 6.75% $6,558
    EQUITY RESOURCES, INC. 1 6.63% $6,997
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.63% $5,006
    FIRST HOME MORTGAGE CORPORATION 1 7.13% $7,918
    First Horizon Bank 1 6.13% $2,414
    FIRST MORTGAGE COMPANY, INC. 1 6.25% $8,360
    First National Bank of Omaha 1 6.50% $9,423
    HOMESTEAD FUNDING CORP. 1 6.75% $3,551
    LADERA LENDING, INC. 1 5.00% $25,738
    LEADERONE FINANCIAL CORPORATION 1 6.49% $7,859
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.25% $21,238
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.25% $10,469
    Meridian Bank Corporation 1 5.25% $4,362
    MORIA DEVELOPMENT, INC. 1 7.00% $14,980
    MORTGAGE ACCESS CORP. 1 5.25% $7,708
    MORTGAGE EQUITY PARTNERS LLC 1 5.75% $7,489
    MORTGAGEONE, INC. 1 6.75% $455
    NATIONS DIRECT MORTGAGE, LLC 1 6.25% $4,321
    NORWICH COMMERCIAL GROUP, INC. 1 5.75% $8,403
    OCMBC, INC. 1 7.13% $7,294
    OPEN MORTGAGE, LLC 1 6.00% $6,633
    Performance Financial, Inc. 1 6.13% $4,914
    PREMIER LENDING, INC. 1 6.13% $8,306
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.13% $12,391
    Prosperity Home Mortgage, LLC 1 6.49% $9,951
    Regions Bank 1 6.25% $7,579
    RESOURCE FINANCIAL SERVICES, INC. 1 6.25% $6,116
    SeaTrust Mortgage Company 1 7.00% $11,385
    SFMC, LP 1 6.63% $11,968
    Strong Home Mortgage, LLC 1 5.75% $2,943
    SUCCESS MORTGAGE PARTNERS, INC. 1 5.99% $35,597
    T2 FINANCIAL LLC 1 7.25% $7,590
    University Bank 1 5.75% $3,137
    VERITAS FUNDING, LLC 1 6.25% $25,277
    VYSTAR 1 6.13% $16,054
    WATSON MORTGAGE CORP. 1 6.75% $6,006
    Wells Fargo Bank 1 5.88% $2,899
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.50% $5,613

    The top Lakeland VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 247 VA loans originated. Their average total fees are $7,249, which is $1,034 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Lakeland VA lenders (with over 10 loans originated) are VANDERBILT MORTGAGE AND FINANCE, INC. ($2,194), EAGLE HOME MORTGAGE, LLC ($2,838), HOMEAMERICAN MORTGAGE CORPORATION ($2,912), NAVY FEDERAL CREDIT UNION ($3,589) and PULTE MORTGAGE LLC ($4,169).

    The lowest rate Lakeland VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.91%), HOMEAMERICAN MORTGAGE CORPORATION (4.94%), PULTE MORTGAGE LLC (5.06%), South Pacific Financial Corporation (5.13%) and DHI MORTGAGE COMPANY, LTD. (5.13%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Lakeland (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 $219,000 (9.5%) $258,648 (7.9%) 0.81 2,627
    2018-02-01 $219,900 (7.6%) $259,695 (6.9%) 0.80 2,647
    2018-03-01 $222,825 (8.8%) $263,192 (7.6%) 0.78 2,578
    2018-04-01 $224,950 (7.1%) $273,636 (9.4%) 0.76 2,502
    2018-05-01 $224,950 (4.7%) $275,616 (9.4%) 0.75 2,519
    2018-06-01 $225,000 (3.9%) $275,270 (7.5%) 0.75 2,535
    2018-07-01 $228,375 (4.8%) $278,348 (7.9%) 0.76 2,534
    2018-08-01 $227,425 (3.6%) $276,628 (7.0%) 0.76 2,663
    2018-09-01 $225,000 (2.5%) $272,464 (5.3%) 0.76 2,803
    2018-10-01 $224,900 (2.5%) $271,597 (4.3%) 0.76 2,887
    2018-11-01 $223,950 (1.6%) $268,839 (2.6%) 0.76 3,048
    2018-12-01 $224,000 (2.3%) $266,613 (3.4%) 0.77 3,041
    2019-01-01 $222,138 (1.4%) $261,558 (1.1%) 0.77 3,193
    2019-02-01 $224,450 (2.1%) $260,096 (0.2%) 0.76 3,320
    2019-03-01 $224,999 (1.0%) $267,361 (1.6%) 0.74 3,197
    2019-04-01 $225,000 (0.0%) $273,390 (-0.1%) 0.71 3,034
    2019-05-01 $229,450 (2.0%) $276,703 (0.4%) 0.72 2,874
    2019-06-01 $229,900 (2.2%) $282,162 (2.5%) 0.72 2,807
    2019-07-01 $229,397 (0.5%) $286,624 (3.0%) 0.72 2,809
    2019-08-01 $229,245 (0.8%) $286,482 (3.6%) 0.73 2,931
    2019-09-01 $229,614 (2.1%) $280,384 (2.9%) 0.73 3,017
    2019-10-01 $229,859 (2.2%) $276,220 (1.7%) 0.74 3,068
    2019-11-01 $228,920 (2.2%) $273,506 (1.7%) 0.75 3,033
    2019-12-01 $229,700 (2.5%) $271,642 (1.9%) 0.77 2,976
    2020-01-01 $229,950 (3.5%) $273,618 (4.6%) 0.77 2,915
    2020-02-01 $234,000 (4.3%) $278,296 (7.0%) 0.77 2,809
    2020-03-01 $234,900 (4.4%) $281,322 (5.2%) 0.74 2,691
    2020-04-01 $234,463 (4.2%) $272,964 (-0.2%) 0.73 2,873
    2020-05-01 $234,490 (2.2%) $274,454 (-0.8%) 0.71 2,723
    2020-06-01 $234,950 (2.2%) $274,532 (-2.7%) 0.69 2,453
    2020-07-01 $235,250 (2.6%) $275,408 (-3.9%) 0.68 2,319
    2020-08-01 $239,900 (4.7%) $284,268 (-0.8%) 0.69 2,078
    2020-09-01 $243,605 (6.1%) $287,781 (2.6%) 0.70 2,003
    2020-10-01 $245,000 (6.6%) $286,107 (3.6%) 0.70 2,020
    2020-11-01 $245,860 (7.4%) $288,862 (5.6%) 0.72 2,052
    2020-12-01 $249,695 (8.7%) $290,443 (6.9%) 0.74 1,928
    2021-01-01 $252,195 (9.7%) $296,805 (8.5%) 0.75 1,659
    2021-02-01 $252,335 (7.8%) $301,726 (8.4%) 0.73 1,358
    2021-03-01 $256,950 (9.4%) $314,074 (11.6%) 0.73 1,047
    2021-04-01 $264,950 (13.0%) $326,872 (19.8%) 0.72 883
    2021-05-01 $274,900 (17.2%) $347,960 (26.8%) 0.73 776
    2021-06-01 $283,960 (20.9%) $363,544 (32.4%) 0.75 808
    2021-07-01 $285,000 (21.2%) $355,889 (29.2%) 0.75 1,011
    2021-08-01 $296,475 (23.6%) $357,189 (25.7%) 0.79 1,082
    2021-09-01 $307,500 (26.2%) $372,901 (29.6%) 0.82 1,095
    2021-10-01 $319,900 (30.6%) $379,840 (32.8%) 0.85 1,126
    2021-11-01 $317,000 (28.9%) $380,060 (31.6%) 0.85 1,105
    2021-12-01 $327,450 (31.1%) $394,430 (35.8%) 0.89 1,043
    2022-01-01 $325,000 (28.9%) $401,242 (35.2%) 0.88 938
    2022-02-01 $331,033 (31.2%) $410,887 (36.2%) 0.86 859
    2022-03-01 $342,900 (33.5%) $415,868 (32.4%) 0.86 888
    2022-04-01 $350,000 (32.1%) $430,663 (31.8%) 0.83 932
    2022-05-01 $364,805 (32.7%) $430,188 (23.6%) 0.83 1,267
    2022-06-01 $369,990 (30.3%) $429,714 (18.2%) 0.82 1,593
    2022-07-01 $365,000 (28.1%) $414,408 (16.4%) 0.82 2,178
    2022-08-01 $364,000 (22.8%) $414,290 (16.0%) 0.84 2,564
    2022-09-01 $359,999 (17.1%) $409,790 (9.9%) 0.84 2,743
    2022-10-01 $359,900 (12.5%) $408,132 (7.5%) 0.85 2,817
    2022-11-01 $351,350 (10.8%) $400,055 (5.3%) 0.84 3,101
    2022-12-01 $349,900 (6.9%) $397,009 (0.7%) 0.86 3,071
    2023-01-01 $349,000 (7.4%) $400,198 (-0.3%) 0.86 2,994
    2023-02-01 $349,000 (5.4%) $400,838 (-2.5%) 0.84 2,897
    2023-03-01 $349,950 (2.1%) $408,401 (-1.8%) 0.83 2,725
    2023-04-01 $349,490 (-0.2%) $403,633 (-6.3%) 0.81 2,680
    2023-05-01 $350,000 (-4.1%) $415,811 (-3.3%) 0.79 2,633
    2023-06-01 $353,660 (-4.4%) $420,878 (-2.1%) 0.79 2,573
    2023-07-01 $357,490 (-2.1%) $423,600 (2.2%) 0.81 2,567
    2023-08-01 $359,495 (-1.2%) $426,066 (2.8%) 0.83 2,769
    2023-09-01 $357,688 (-0.6%) $415,226 (1.3%) 0.83 3,009
    2023-10-01 $355,000 (-1.4%) $415,545 (1.8%) 0.84 3,307
    2023-11-01 $354,995 (1.0%) $421,170 (5.3%) 0.85 3,480
    2023-12-01 $350,000 (0.0%) $419,216 (5.6%) 0.85 3,573
    2024-01-01 $350,000 (0.3%) $418,027 (4.5%) 0.85 3,545
    2024-02-01 $350,000 (0.3%) $414,074 (3.3%) 0.84 3,742
    2024-03-01 $349,900 (0.0%) $409,534 (0.3%) 0.82 3,917
    2024-04-01 $349,000 (-0.1%) $405,764 (0.5%) 0.81 4,027
    2024-05-01 $349,000 (-0.3%) $404,847 (-2.6%) 0.79 4,115
    2024-06-01 $349,900 (-1.1%) $405,514 (-3.7%) 0.80 4,296
    2024-07-01 $349,250 (-2.3%) $405,177 (-4.4%) 0.80 4,424
    2024-08-01 $345,000 (-4.0%) $401,246 (-5.8%) 0.80 4,543
    2024-09-01 $347,950 (-2.7%) $401,683 (-3.3%) 0.82 4,719
    2024-10-01 $343,855 (-3.1%) $396,685 (-4.5%) 0.81 4,852
    2024-11-01 $342,990 (-3.4%) $392,049 (-6.9%) 0.82 4,913
    2024-12-01 $343,139 (-2.0%) $390,975 (-6.7%) 0.85 4,833
    2025-01-01 $340,473 (-2.7%) $388,790 (-7.0%) 0.85 4,864
    2025-02-01 $340,000 (-2.9%) $388,285 (-6.2%) 0.83 5,060
    2025-03-01 $339,000 (-3.1%) $385,704 (-5.8%) 0.80 5,151
    2025-04-01 $339,250 (-2.8%) $387,375 (-4.5%) 0.79 5,192
    2025-05-01 $339,900 (-2.6%) $390,265 (-3.6%) 0.77 5,162
    2025-06-01 $340,000 (-2.8%) $391,847 (-3.4%) 0.77 5,189
    2025-07-01 $339,995 (-2.7%) $391,043 (-3.5%) 0.77 5,057
    2025-08-01 $339,900 (-1.5%) $389,243 (-3.0%) 0.79 4,912
    2025-09-01 $339,944 (-2.3%) $388,714 (-3.2%) 0.80 4,767
    2025-10-01 $340,000 (-1.1%) $389,608 (-1.8%) 0.80 4,678
    2025-11-01 $339,900 (-0.9%) $388,754 (-0.8%) 0.82 4,767
    2025-12-01 $335,588 (-2.2%) $386,530 (-1.1%) 0.84 4,655
    2026-01-01 $335,000 (-1.6%) $384,545 (-1.1%) 0.84 4,555
    2026-02-01 $335,000 (-1.5%) $385,177 (-0.8%) 0.83 4,638
    2026-03-01 $334,997 (-1.2%) $384,490 (-0.3%) 0.81 4,656
    2026-04-01 $335,000 (-1.3%) $382,865 (-1.2%) 0.79 4,597
    2026-05-01 $330,669 (-2.7%) $380,963 (-2.4%) 0.77 4,628
    2026-06-01 $335,000 (-1.5%) $382,961 (-2.3%) 0.78 4,648
    2026-07-01 $329,950 (-3.0%) $373,332 (-4.5%) 0.77 4,759
    2026-08-01 $329,000 (-3.2%) $374,119 (-3.9%) 0.78 4,771
    Lakeland's median listing price for 2026-08-01 was $329,000, a difference of $-10,900 (-3.2%) versus the prior year and $-950 versus the prior month.

    Lakeland's median listing price comes in at 78% of the national average.

    Lakeland's average listing price for 2026-08-01 was $374,119, a difference of $-15,124 (-3.9%) versus the prior year and $787 versus the prior month.

    For the 2026-08-01 period, Lakeland had 4,771 MLS listings, a difference of 12 listings (0%) versus the prior month and -141 listings (-3%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Lakeland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 68 days 1,884 sqft
    2018-02-01 65 days 1,879 sqft
    2018-03-01 58 days 1,882 sqft
    2018-04-01 58 days 1,917 sqft
    2018-05-01 58 days 1,911 sqft
    2018-06-01 57 days 1,910 sqft
    2018-07-01 58 days 1,917 sqft
    2018-08-01 54 days 1,919 sqft
    2018-09-01 55 days 1,884 sqft
    2018-10-01 60 days 1,864 sqft
    2018-11-01 59 days 1,859 sqft
    2018-12-01 65 days 1,856 sqft
    2019-01-01 68 days 1,848 sqft
    2019-02-01 59 days 1,837 sqft
    2019-03-01 56 days 1,847 sqft
    2019-04-01 60 days 1,847 sqft
    2019-05-01 63 days 1,855 sqft
    2019-06-01 64 days 1,877 sqft
    2019-07-01 61 days 1,856 sqft
    2019-08-01 61 days 1,845 sqft
    2019-09-01 62 days 1,836 sqft
    2019-10-01 63 days 1,829 sqft
    2019-11-01 60 days 1,828 sqft
    2019-12-01 67 days 1,828 sqft
    2020-01-01 69 days 1,828 sqft
    2020-02-01 67 days 1,833 sqft
    2020-03-01 57 days 1,838 sqft
    2020-04-01 57 days 1,828 sqft
    2020-05-01 68 days 1,828 sqft
    2020-06-01 75 days 1,828 sqft
    2020-07-01 64 days 1,819 sqft
    2020-08-01 57 days 1,823 sqft
    2020-09-01 53 days 1,814 sqft
    2020-10-01 51 days 1,787 sqft
    2020-11-01 49 days 1,803 sqft
    2020-12-01 54 days 1,816 sqft
    2021-01-01 61 days 1,815 sqft
    2021-02-01 54 days 1,777 sqft
    2021-03-01 44 days 1,806 sqft
    2021-04-01 40 days 1,806 sqft
    2021-05-01 38 days 1,799 sqft
    2021-06-01 34 days 1,809 sqft
    2021-07-01 33 days 1,798 sqft
    2021-08-01 37 days 1,810 sqft
    2021-09-01 37 days 1,807 sqft
    2021-10-01 36 days 1,825 sqft
    2021-11-01 38 days 1,803 sqft
    2021-12-01 51 days 1,820 sqft
    2022-01-01 43 days 1,814 sqft
    2022-02-01 33 days 1,800 sqft
    2022-03-01 32 days 1,778 sqft
    2022-04-01 31 days 1,799 sqft
    2022-05-01 28 days 1,823 sqft
    2022-06-01 30 days 1,827 sqft
    2022-07-01 33 days 1,820 sqft
    2022-08-01 37 days 1,823 sqft
    2022-09-01 44 days 1,827 sqft
    2022-10-01 55 days 1,828 sqft
    2022-11-01 61 days 1,820 sqft
    2022-12-01 67 days 1,824 sqft
    2023-01-01 71 days 1,824 sqft
    2023-02-01 67 days 1,828 sqft
    2023-03-01 56 days 1,831 sqft
    2023-04-01 58 days 1,819 sqft
    2023-05-01 54 days 1,828 sqft
    2023-06-01 55 days 1,838 sqft
    2023-07-01 54 days 1,851 sqft
    2023-08-01 50 days 1,851 sqft
    2023-09-01 53 days 1,834 sqft
    2023-10-01 54 days 1,832 sqft
    2023-11-01 57 days 1,828 sqft
    2023-12-01 64 days 1,820 sqft
    2024-01-01 73 days 1,818 sqft
    2024-02-01 70 days 1,823 sqft
    2024-03-01 59 days 1,817 sqft
    2024-04-01 60 days 1,810 sqft
    2024-05-01 60 days 1,811 sqft
    2024-06-01 63 days 1,820 sqft
    2024-07-01 65 days 1,820 sqft
    2024-08-01 70 days 1,813 sqft
    2024-09-01 71 days 1,811 sqft
    2024-10-01 74 days 1,797 sqft
    2024-11-01 80 days 1,811 sqft
    2024-12-01 85 days 1,805 sqft
    2025-01-01 85 days 1,807 sqft
    2025-02-01 81 days 1,817 sqft
    2025-03-01 69 days 1,804 sqft
    2025-04-01 69 days 1,795 sqft
    2025-05-01 73 days 1,815 sqft
    2025-06-01 77 days 1,822 sqft
    2025-07-01 81 days 1,819 sqft
    2025-08-01 82 days 1,820 sqft
    2025-09-01 84 days 1,819 sqft
    2025-10-01 83 days 1,820 sqft
    2025-11-01 84 days 1,823 sqft
    2025-12-01 89 days 1,817 sqft
    2026-01-01 91 days 1,817 sqft
    2026-02-01 87 days 1,814 sqft
    2026-03-01 74 days 1,818 sqft
    2026-04-01 75 days 1,818 sqft
    2026-05-01 76 days 1,807 sqft
    2026-06-01 77 days 1,825 sqft
    2026-07-01 78 days 1,807 sqft
    2026-08-01 79 days 1,804 sqft
    Lakeland's median listing age (time on market) for 2026-08-01 was 79 days. This is -4% shorter than the same period one year ago.

    Lakeland's median square footage for active listings during the 2026-08-01 period was 1,804 sqft. One year prior, the average listing was 1,820 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.