North Platte VA Loan Rates, Closing Costs & Stats

North Platte, NE

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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.

    North Platte's 21 lenders originated 50 VA loans during 2024. The total origination value was $10,690,000, with an average VA loan value of $213,800.

    North Platte VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in North Platte averaged 6.31% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    North Platte's average VA mortgage closing costs are $5,369.

    The average rate for the prior week (2025-03-28) was 6.33% and one month ago for the week of 2025-02-28, the average rate was 6.31%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.06%.

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

    North Platte 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 North Platte level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 15 6.80% $4,529
    QUICKEN LOANS, LLC 5 6.14% $7,893
    PENNYMAC LOAN SERVICES, LLC 3 5.50% $6,397
    NEW DAY FINANCIAL, LLC 3 7.33% $7,059
    AMERICAN FINANCIAL NETWORK, INC. 2 6.44% $2,135
    FREEDOM MORTGAGE CORPORATION 2 6.38% $2,128
    The Federal Savings Bank 2 5.88% $14,290
    UNITED WHOLESALE MORTGAGE, LLC 2 5.94% $3,170
    Adams Bank & Trust 2 5.19% $4,340
    LOANDEPOT.COM, LLC 1 6.75% $12,937
    NBKC BANK 1 6.50% $3,451
    NEWREZ LLC 1 6.25% $6,497
    USAA Federal Savings Bank 1 6.63% $6,972
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.75% $2,426
    Carrington Mortgage Services, LLC 1 6.38% $12,245
    CHARTER WEST BANK 1 5.38% $5,353
    First Interstate Bank 1 6.50% $2,400
    First National Bank of Omaha 1 6.13% $10,193
    First State Bank 1 6.25% $14,305
    GUILD MORTGAGE COMPANY 1 4.75% $3,402
    LAKEVIEW LOAN SERVICING, LLC 1 5.25% $4,948

    The top North Platte VA lender as defined by loan originations is Mortgage Research Center, LLC, with 15 VA loans originated. Their average total fees are $4,529, which is $3,363 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee North Platte VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,529), .

    The lowest rate North Platte VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.80%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - North Platte (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 $158,700 (2.9%) $189,683 (5.1%) 0.00 110
    2018-02-01 $154,900 (-8.1%) $191,011 (0.9%) 0.00 106
    2018-03-01 $165,000 (15.1%) $198,323 (6.3%) 0.00 97
    2018-04-01 $165,000 (10.4%) $201,874 (2.3%) 0.00 98
    2018-05-01 $169,450 (2.7%) $206,827 (4.1%) 0.00 110
    2018-06-01 $185,000 (5.2%) $212,555 (0.0%) 0.00 119
    2018-07-01 $189,125 (9.3%) $217,154 (7.0%) 0.00 118
    2018-08-01 $174,500 (5.5%) $200,196 (2.5%) 0.00 117
    2018-09-01 $165,000 (8.6%) $185,174 (0.4%) 0.00 114
    2018-10-01 $162,450 (7.6%) $188,727 (2.3%) 0.00 110
    2018-11-01 $159,900 (-3.1%) $186,586 (-3.7%) 0.00 114
    2018-12-01 $159,500 (-0.3%) $183,270 (-5.4%) 0.00 114
    2019-01-01 $159,500 (0.5%) $185,391 (-2.3%) 0.00 112
    2019-02-01 $165,975 (7.2%) $190,567 (-0.2%) 0.00 108
    2019-03-01 $176,100 (6.7%) $192,404 (-3.0%) 0.00 108
    2019-04-01 $173,850 (5.4%) $195,123 (-3.3%) 0.00 108
    2019-05-01 $185,000 (9.2%) $209,387 (1.2%) 0.00 110
    2019-06-01 $190,000 (2.7%) $206,596 (-2.8%) 0.00 139
    2019-07-01 $173,700 (-8.2%) $198,148 (-8.8%) 0.00 154
    2019-08-01 $172,686 (-1.0%) $192,830 (-3.7%) 0.00 171
    2019-09-01 $182,341 (10.5%) $193,261 (4.4%) 0.00 184
    2019-10-01 $189,925 (16.9%) $193,793 (2.7%) 0.00 196
    2019-11-01 $190,000 (18.8%) $193,512 (3.7%) 0.00 177
    2019-12-01 $188,625 (18.3%) $192,241 (4.9%) 0.00 165
    2020-01-01 $187,625 (17.6%) $192,300 (3.7%) 0.00 146
    2020-02-01 $179,500 (8.2%) $186,256 (-2.3%) 0.00 132
    2020-03-01 $181,225 (2.9%) $197,578 (2.7%) 0.00 136
    2020-04-01 $179,350 (3.2%) $196,867 (0.9%) 0.00 142
    2020-05-01 $182,950 (-1.1%) $197,036 (-5.9%) 0.00 138
    2020-06-01 $179,000 (-5.8%) $193,208 (-6.5%) 0.00 129
    2020-07-01 $184,000 (5.9%) $195,233 (-1.5%) 0.00 113
    2020-08-01 $159,900 (-7.4%) $182,044 (-5.6%) 0.00 109
    2020-09-01 $149,900 (-17.8%) $187,464 (-3.0%) 0.00 109
    2020-10-01 $145,000 (-23.7%) $178,522 (-7.9%) 0.00 117
    2020-11-01 $127,500 (-32.9%) $170,174 (-12.1%) 0.00 109
    2020-12-01 $128,675 (-31.8%) $166,050 (-13.6%) 0.00 95
    2021-01-01 $119,900 (-36.1%) $154,881 (-19.5%) 0.00 86
    2021-02-01 $119,900 (-33.2%) $155,548 (-16.5%) 0.00 62
    2021-03-01 $118,500 (-34.6%) $171,825 (-13.0%) 0.00 43
    2021-04-01 $139,175 (-22.4%) $190,989 (-3.0%) 0.00 32
    2021-05-01 $126,900 (-30.6%) $175,135 (-11.1%) 0.00 36
    2021-06-01 $164,950 (-7.9%) $201,953 (4.5%) 0.00 34
    2021-07-01 $177,450 (-3.6%) $200,002 (2.4%) 0.00 53
    2021-08-01 $178,475 (11.6%) $190,798 (4.8%) 0.00 57
    2021-09-01 $167,925 (12.0%) $195,490 (4.3%) 0.00 48
    2021-10-01 $160,000 (10.3%) $207,721 (16.4%) 0.00 49
    2021-11-01 $177,150 (38.9%) $223,279 (31.2%) 0.00 41
    2021-12-01 $144,900 (12.6%) $200,376 (20.7%) 0.00 34
    2022-01-01 $142,450 (18.8%) $214,776 (38.7%) 0.00 32
    2022-02-01 $146,975 (22.6%) $224,097 (44.1%) 0.00 31
    2022-03-01 $151,450 (27.8%) $260,731 (51.7%) 0.00 32
    2022-04-01 $251,500 (80.7%) $299,371 (56.8%) 0.00 35
    2022-05-01 $363,500 (186.5%) $362,153 (106.8%) 0.00 28
    2022-06-01 $346,250 (109.9%) $362,899 (79.7%) 0.00 33
    2022-07-01 $251,950 (42.0%) $312,000 (56.0%) 0.00 44
    2022-08-01 $248,675 (39.3%) $306,860 (60.8%) 0.00 47
    2022-09-01 $227,750 (35.6%) $318,430 (62.9%) 0.00 47
    2022-10-01 $215,000 (34.4%) $307,853 (48.2%) 0.00 54
    2022-11-01 $267,500 (51.0%) $291,143 (30.4%) 0.00 71
    2022-12-01 $240,000 (65.6%) $280,622 (40.1%) 0.00 74
    2023-01-01 $240,000 (68.5%) $288,273 (34.2%) 0.00 66
    2023-02-01 $278,000 (89.2%) $309,323 (38.0%) 0.00 50
    2023-03-01 $292,000 (92.8%) $316,440 (21.4%) 0.00 43
    2023-04-01 $284,500 (13.1%) $299,812 (0.2%) 0.00 41
    2023-05-01 $283,000 (-22.2%) $317,351 (-12.4%) 0.00 43
    2023-06-01 $254,188 (-26.6%) $297,138 (-18.1%) 0.00 41
    2023-07-01 $269,900 (7.1%) $312,714 (0.2%) 0.00 61
    2023-08-01 $249,500 (0.3%) $309,829 (1.0%) 0.00 70
    2023-09-01 $245,000 (7.6%) $298,064 (-6.4%) 0.00 67
    2023-10-01 $238,750 (11.1%) $290,556 (-5.6%) 0.00 71
    2023-11-01 $219,000 (-18.1%) $297,227 (2.1%) 0.00 77
    2023-12-01 $225,000 (-6.3%) $290,107 (3.4%) 0.00 67
    2024-01-01 $226,225 (-5.7%) $309,399 (7.3%) 0.00 61
    2024-02-01 $251,450 (-9.6%) $321,809 (4.0%) 0.00 48
    2024-03-01 $257,900 (-11.7%) $330,029 (4.3%) 0.00 52
    2024-04-01 $260,475 (-8.4%) $317,926 (6.0%) 0.00 58
    2024-05-01 $268,925 (-5.0%) $320,002 (0.8%) 0.00 64
    2024-06-01 $257,900 (1.5%) $345,557 (16.3%) 0.00 71
    2024-07-01 $271,250 (0.5%) $314,225 (0.5%) 0.00 85
    2024-08-01 $260,000 (4.2%) $312,572 (0.9%) 0.00 86
    2024-09-01 $253,500 (3.5%) $318,195 (6.8%) 0.00 95
    2024-10-01 $273,500 (14.6%) $342,367 (17.8%) 0.00 84
    2024-11-01 $265,000 (21.0%) $325,703 (9.6%) 0.00 90
    2024-12-01 $237,250 (5.4%) $292,102 (0.7%) 0.00 91
    2025-01-01 $233,125 (3.1%) $299,015 (-3.4%) 0.00 82
    2025-02-01 $235,000 (-6.5%) $300,927 (-6.5%) 0.00 72
    2025-03-01 $249,900 (-3.1%) $310,895 (-5.8%) 0.00 61
    North Platte's median listing price for 2025-03-01 was $249,900, a difference of $-8,000 (-3.1%) versus the prior year and $14,900 versus the prior month.

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

    North Platte's average listing price for 2025-03-01 was $310,895, a difference of $-19,134 (-5.8%) versus the prior year and $9,968 versus the prior month.

    For the 2025-03-01 period, North Platte had 61 MLS listings, a difference of -11 listings (-15%) versus the prior month and 9 listings (17%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - North Platte (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,774 sqft
    2018-02-01 0 days 1,893 sqft
    2018-03-01 0 days 1,920 sqft
    2018-04-01 0 days 1,979 sqft
    2018-05-01 0 days 2,049 sqft
    2018-06-01 0 days 2,064 sqft
    2018-07-01 0 days 2,108 sqft
    2018-08-01 0 days 2,005 sqft
    2018-09-01 0 days 1,964 sqft
    2018-10-01 0 days 1,908 sqft
    2018-11-01 0 days 1,845 sqft
    2018-12-01 0 days 1,902 sqft
    2019-01-01 0 days 1,908 sqft
    2019-02-01 0 days 1,944 sqft
    2019-03-01 0 days 1,876 sqft
    2019-04-01 0 days 1,789 sqft
    2019-05-01 0 days 1,806 sqft
    2019-06-01 0 days 1,880 sqft
    2019-07-01 0 days 1,822 sqft
    2019-08-01 0 days 1,763 sqft
    2019-09-01 0 days 1,720 sqft
    2019-10-01 0 days 1,704 sqft
    2019-11-01 0 days 1,680 sqft
    2019-12-01 0 days 1,679 sqft
    2020-01-01 0 days 1,680 sqft
    2020-02-01 0 days 1,728 sqft
    2020-03-01 0 days 1,757 sqft
    2020-04-01 0 days 1,761 sqft
    2020-05-01 0 days 1,824 sqft
    2020-06-01 0 days 1,813 sqft
    2020-07-01 0 days 1,842 sqft
    2020-08-01 0 days 1,824 sqft
    2020-09-01 0 days 1,779 sqft
    2020-10-01 0 days 1,768 sqft
    2020-11-01 0 days 1,740 sqft
    2020-12-01 0 days 1,704 sqft
    2021-01-01 0 days 1,556 sqft
    2021-02-01 0 days 1,526 sqft
    2021-03-01 0 days 1,515 sqft
    2021-04-01 0 days 1,623 sqft
    2021-05-01 0 days 1,470 sqft
    2021-06-01 0 days 1,688 sqft
    2021-07-01 0 days 1,721 sqft
    2021-08-01 0 days 1,711 sqft
    2021-09-01 0 days 1,700 sqft
    2021-10-01 0 days 1,680 sqft
    2021-11-01 0 days 1,690 sqft
    2021-12-01 0 days 1,326 sqft
    2022-01-01 0 days 1,280 sqft
    2022-02-01 0 days 1,570 sqft
    2022-03-01 0 days 1,485 sqft
    2022-04-01 0 days 1,608 sqft
    2022-05-01 0 days 1,769 sqft
    2022-06-01 0 days 1,915 sqft
    2022-07-01 0 days 1,842 sqft
    2022-08-01 0 days 1,581 sqft
    2022-09-01 0 days 1,306 sqft
    2022-10-01 0 days 1,561 sqft
    2022-11-01 0 days 1,670 sqft
    2022-12-01 0 days 1,620 sqft
    2023-01-01 0 days 1,629 sqft
    2023-02-01 0 days 1,620 sqft
    2023-03-01 0 days 1,626 sqft
    2023-04-01 0 days 1,904 sqft
    2023-05-01 0 days 1,956 sqft
    2023-06-01 0 days 1,726 sqft
    2023-07-01 0 days 1,758 sqft
    2023-08-01 0 days 1,782 sqft
    2023-09-01 0 days 1,757 sqft
    2023-10-01 0 days 1,652 sqft
    2023-11-01 0 days 1,641 sqft
    2023-12-01 0 days 1,580 sqft
    2024-01-01 0 days 1,604 sqft
    2024-02-01 0 days 1,668 sqft
    2024-03-01 0 days 1,815 sqft
    2024-04-01 0 days 1,799 sqft
    2024-05-01 0 days 1,735 sqft
    2024-06-01 0 days 1,792 sqft
    2024-07-01 0 days 1,795 sqft
    2024-08-01 0 days 1,780 sqft
    2024-09-01 0 days 1,785 sqft
    2024-10-01 0 days 1,821 sqft
    2024-11-01 0 days 1,817 sqft
    2024-12-01 0 days 1,643 sqft
    2025-01-01 0 days 1,657 sqft
    2025-02-01 0 days 1,624 sqft
    2025-03-01 0 days 1,608 sqft
    North Platte's median listing age (time on market) for 2025-03-01 was 0 days.

    North Platte's median square footage for active listings during the 2025-03-01 period was 1,608 sqft. One year prior, the average listing was 1,815 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.