Pottsville VA Loan Rates, Closing Costs & Stats

Pottsville, 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.

    Pottsville's 34 lenders originated 123 VA loans during 2023. The total origination value was $27,355,000, with an average VA loan value of $222,398.

    Pottsville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pottsville averaged 7.03% for the week of 2024-04-19, compared to the national average (all VA variants) of 6.758% for the same period.

    Pottsville's average VA mortgage closing costs are $5,833.

    The average rate for the prior week (2024-04-12) was 6.86% and one month ago for the week of 2024-03-15, the average rate was 6.72%.

    The average rate one year ago was 6.31%.

    For refis of the same type during the week of 2024-04-19, the average rate was 8.02%.

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

    Pottsville 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 Pottsville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 45 6.96% $5,066
    QUICKEN LOANS, LLC 9 6.43% $12,194
    Mortgage America, Inc. 5 6.83% $8,882
    NAVY FEDERAL CREDIT UNION 5 5.85% $3,474
    NEW DAY FINANCIAL, LLC 4 7.49% $7,858
    UNITED WHOLESALE MORTGAGE, LLC 4 7.08% $10,865
    GUILD MORTGAGE COMPANY 3 6.38% $8,877
    USAA Federal Savings Bank 3 6.54% $6,585
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 8.00% $3,021
    Barrington Bank & Trust Company, N.A. 2 7.25% $6,221
    BROKER SOLUTIONS, INC. 2 6.44% $4,210
    CROSSCOUNTRY MORTGAGE, LLC 2 7.25% $4,039
    FREEDOM MORTGAGE CORPORATION 2 6.56% $10,319
    Homesale Mortgage, LLC 2 6.31% $5,161
    AMERICAN FINANCIAL NETWORK, INC. 2 6.56% $23,076
    NEWREZ LLC 2 6.88% $10,472
    PLANET HOME LENDING, LLC 2 6.94% $10,622
    The Federal Savings Bank 2 5.75% $21,731
    Mr. Cooper ( Nationstar Mortgage ) 1 6.50% $12,182
    M&T Bank 1 6.00% $1,561
    Keystone Funding, Inc. 1 5.75% $3,182
    NBKC BANK 1 6.13% $10,140
    Neighborhood Loans, Inc. 1 6.99% $3,313
    GSF Mortgage Corporation 1 7.13% $3,557
    CARDINAL FINANCIAL 1 5.75% $5,173
    Paramount Residential Mortgage Group, Inc. 1 6.99% $8,168
    PENNYMAC LOAN SERVICES, LLC 1 5.25% $7,958
    Plains Commerce Bank 1 6.13% $2,068
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $0
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.13% $11,565
    MORTGAGE ACCESS CORP. 1 6.75% $4,660
    MICHIGAN MUTUAL, INC. 1 7.13% $8,624
    LOANDEPOT.COM, LLC 1 6.99% $7,064
    SUN WEST MORTGAGE COMPANY, INC. 1 6.13% $3,740

    The top Pottsville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 45 VA loans originated. Their average total fees are $5,066, which is $7,128 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Pottsville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,066), .

    The lowest rate Pottsville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.96%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pottsville (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 $73,850 (-2.8%) $127,827 (4.7%) 0.27 510
    2018-02-01 $74,950 (-3.3%) $130,588 (6.4%) 0.27 524
    2018-03-01 $79,900 (1.1%) $133,275 (-2.5%) 0.28 479
    2018-04-01 $75,000 (-6.1%) $136,369 (-3.3%) 0.25 488
    2018-05-01 $78,700 (1.7%) $137,171 (-1.0%) 0.26 488
    2018-06-01 $75,000 (-2.7%) $136,905 (3.9%) 0.25 519
    2018-07-01 $77,700 (-1.7%) $138,096 (7.7%) 0.26 524
    2018-08-01 $75,000 (0.0%) $136,844 (9.4%) 0.25 522
    2018-09-01 $77,950 (11.5%) $139,610 (12.2%) 0.26 546
    2018-10-01 $77,400 (7.2%) $139,626 (10.3%) 0.26 548
    2018-11-01 $79,488 (13.6%) $138,321 (11.2%) 0.27 527
    2018-12-01 $78,250 (12.0%) $137,139 (9.6%) 0.27 489
    2019-01-01 $80,250 (8.7%) $138,914 (8.7%) 0.28 450
    2019-02-01 $77,375 (3.2%) $137,646 (5.4%) 0.26 428
    2019-03-01 $77,857 (-2.6%) $143,943 (8.0%) 0.25 429
    2019-04-01 $79,732 (6.3%) $151,662 (11.2%) 0.25 452
    2019-05-01 $79,600 (1.1%) $151,827 (10.7%) 0.25 469
    2019-06-01 $84,500 (12.7%) $150,203 (9.7%) 0.26 496
    2019-07-01 $84,850 (9.2%) $154,449 (11.8%) 0.27 510
    2019-08-01 $87,636 (16.9%) $160,057 (17.0%) 0.28 482
    2019-09-01 $93,466 (19.9%) $168,449 (20.7%) 0.30 444
    2019-10-01 $98,000 (26.6%) $175,704 (25.8%) 0.32 410
    2019-11-01 $99,900 (25.7%) $174,309 (26.0%) 0.33 371
    2019-12-01 $105,950 (35.4%) $167,180 (21.9%) 0.35 359
    2020-01-01 $111,225 (38.6%) $165,069 (18.8%) 0.37 312
    2020-02-01 $109,000 (40.9%) $162,282 (17.9%) 0.36 277
    2020-03-01 $120,325 (54.6%) $166,636 (15.8%) 0.38 268
    2020-04-01 $116,450 (46.1%) $169,578 (11.8%) 0.36 243
    2020-05-01 $119,900 (50.6%) $171,686 (13.1%) 0.36 252
    2020-06-01 $114,450 (35.4%) $183,311 (22.0%) 0.34 242
    2020-07-01 $114,450 (34.9%) $188,618 (22.1%) 0.33 214
    2020-08-01 $119,900 (36.8%) $193,956 (21.2%) 0.34 185
    2020-09-01 $117,425 (25.6%) $209,713 (24.5%) 0.34 176
    2020-10-01 $129,950 (32.6%) $226,196 (28.7%) 0.37 176
    2020-11-01 $125,750 (25.9%) $237,746 (36.4%) 0.37 173
    2020-12-01 $119,950 (13.2%) $245,447 (46.8%) 0.36 159
    2021-01-01 $118,500 (6.5%) $247,040 (49.7%) 0.35 144
    2021-02-01 $118,250 (8.5%) $239,400 (47.5%) 0.34 104
    2021-03-01 $117,225 (-2.6%) $235,375 (41.3%) 0.33 99
    2021-04-01 $132,000 (13.4%) $269,890 (59.2%) 0.36 92
    2021-05-01 $131,950 (10.1%) $265,695 (54.8%) 0.35 92
    2021-06-01 $102,500 (-10.4%) $219,289 (19.6%) 0.27 158
    2021-07-01 $117,450 (2.6%) $213,856 (13.4%) 0.31 169
    2021-08-01 $119,974 (0.1%) $181,695 (-6.3%) 0.32 182
    2021-09-01 $118,700 (1.1%) $177,551 (-15.3%) 0.32 187
    2021-10-01 $102,000 (-21.5%) $178,278 (-21.2%) 0.27 179
    2021-11-01 $95,975 (-23.7%) $166,942 (-29.8%) 0.26 184
    2021-12-01 $107,975 (-10.0%) $169,846 (-30.8%) 0.29 181
    2022-01-01 $99,500 (-16.0%) $163,962 (-33.6%) 0.27 165
    2022-02-01 $102,425 (-13.4%) $162,803 (-32.0%) 0.27 168
    2022-03-01 $125,325 (6.9%) $166,674 (-29.2%) 0.31 159
    2022-04-01 $129,900 (-1.6%) $170,938 (-36.7%) 0.31 155
    2022-05-01 $136,000 (3.1%) $174,718 (-34.2%) 0.31 165
    2022-06-01 $137,225 (33.9%) $188,615 (-14.0%) 0.31 205
    2022-07-01 $129,900 (10.6%) $185,723 (-13.2%) 0.29 243
    2022-08-01 $134,925 (12.5%) $181,927 (0.1%) 0.31 255
    2022-09-01 $129,950 (9.5%) $180,435 (1.6%) 0.30 240
    2022-10-01 $129,900 (27.4%) $179,792 (0.9%) 0.31 244
    2022-11-01 $124,400 (29.6%) $180,684 (8.2%) 0.30 235
    2022-12-01 $125,000 (15.8%) $191,729 (12.9%) 0.31 215
    2023-01-01 $125,000 (25.6%) $192,928 (17.7%) 0.31 202
    2023-02-01 $124,975 (22.0%) $195,395 (20.0%) 0.30 192
    2023-03-01 $127,225 (1.5%) $197,174 (18.3%) 0.30 169
    2023-04-01 $121,500 (-6.5%) $188,122 (10.1%) 0.28 156
    2023-05-01 $125,000 (-8.1%) $188,309 (7.8%) 0.28 159
    2023-06-01 $115,000 (-16.2%) $181,827 (-3.6%) 0.26 176
    2023-07-01 $125,000 (-3.8%) $195,430 (5.2%) 0.28 183
    2023-08-01 $124,925 (-7.4%) $187,202 (2.9%) 0.29 200
    2023-09-01 $120,000 (-7.7%) $183,624 (1.8%) 0.28 219
    2023-10-01 $119,950 (-7.7%) $181,789 (1.1%) 0.28 239
    2023-11-01 $123,675 (-0.6%) $186,533 (3.2%) 0.29 248
    2023-12-01 $129,000 (3.2%) $186,427 (-2.8%) 0.31 238
    2024-01-01 $137,500 (10.0%) $188,786 (-2.2%) 0.34 215
    2024-02-01 $139,000 (11.2%) $187,568 (-4.0%) 0.33 186
    2024-03-01 $149,000 (17.1%) $195,492 (-0.9%) 0.35 186
    Pottsville's median listing price for 2024-03-01 was $149,000, a difference of $21,775 (17.1%) versus the prior year and $10,000 versus the prior month.

    Pottsville's median listing price comes in at 35% of the national average.

    Pottsville's average listing price for 2024-03-01 was $195,492, a difference of $-1,682 (-0.9%) versus the prior year and $7,924 versus the prior month.

    For the 2024-03-01 period, Pottsville had 186 MLS listings, a difference of 0 listings (0%) versus the prior month and 17 listings (10%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pottsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 107 days 1,550 sqft
    2018-02-01 106 days 1,578 sqft
    2018-03-01 101 days 1,600 sqft
    2018-04-01 90 days 1,586 sqft
    2018-05-01 82 days 1,590 sqft
    2018-06-01 65 days 1,656 sqft
    2018-07-01 64 days 1,631 sqft
    2018-08-01 70 days 1,629 sqft
    2018-09-01 74 days 1,640 sqft
    2018-10-01 76 days 1,653 sqft
    2018-11-01 80 days 1,636 sqft
    2018-12-01 93 days 1,659 sqft
    2019-01-01 101 days 1,664 sqft
    2019-02-01 104 days 1,657 sqft
    2019-03-01 90 days 1,659 sqft
    2019-04-01 67 days 1,669 sqft
    2019-05-01 61 days 1,668 sqft
    2019-06-01 68 days 1,666 sqft
    2019-07-01 71 days 1,688 sqft
    2019-08-01 70 days 1,687 sqft
    2019-09-01 67 days 1,691 sqft
    2019-10-01 66 days 1,695 sqft
    2019-11-01 67 days 1,725 sqft
    2019-12-01 83 days 1,710 sqft
    2020-01-01 90 days 1,700 sqft
    2020-02-01 101 days 1,700 sqft
    2020-03-01 71 days 1,799 sqft
    2020-04-01 78 days 1,808 sqft
    2020-05-01 80 days 1,819 sqft
    2020-06-01 53 days 1,771 sqft
    2020-07-01 42 days 1,747 sqft
    2020-08-01 51 days 1,716 sqft
    2020-09-01 40 days 1,667 sqft
    2020-10-01 44 days 1,744 sqft
    2020-11-01 47 days 1,650 sqft
    2020-12-01 61 days 1,620 sqft
    2021-01-01 71 days 1,622 sqft
    2021-02-01 66 days 1,605 sqft
    2021-03-01 52 days 1,571 sqft
    2021-04-01 25 days 1,621 sqft
    2021-05-01 24 days 1,608 sqft
    2021-06-01 18 days 1,626 sqft
    2021-07-01 25 days 1,619 sqft
    2021-08-01 29 days 1,623 sqft
    2021-09-01 36 days 1,597 sqft
    2021-10-01 43 days 1,574 sqft
    2021-11-01 39 days 1,508 sqft
    2021-12-01 44 days 1,521 sqft
    2022-01-01 48 days 1,541 sqft
    2022-02-01 48 days 1,535 sqft
    2022-03-01 47 days 1,587 sqft
    2022-04-01 41 days 1,592 sqft
    2022-05-01 33 days 1,689 sqft
    2022-06-01 29 days 1,676 sqft
    2022-07-01 30 days 1,680 sqft
    2022-08-01 40 days 1,638 sqft
    2022-09-01 45 days 1,677 sqft
    2022-10-01 49 days 1,649 sqft
    2022-11-01 55 days 1,684 sqft
    2022-12-01 65 days 1,682 sqft
    2023-01-01 67 days 1,665 sqft
    2023-02-01 63 days 1,651 sqft
    2023-03-01 55 days 1,656 sqft
    2023-04-01 45 days 1,600 sqft
    2023-05-01 32 days 1,593 sqft
    2023-06-01 33 days 1,571 sqft
    2023-07-01 41 days 1,573 sqft
    2023-08-01 38 days 1,506 sqft
    2023-09-01 38 days 1,528 sqft
    2023-10-01 40 days 1,596 sqft
    2023-11-01 46 days 1,567 sqft
    2023-12-01 58 days 1,575 sqft
    2024-01-01 62 days 1,518 sqft
    2024-02-01 61 days 1,452 sqft
    2024-03-01 47 days 1,512 sqft
    Pottsville's median listing age (time on market) for 2024-03-01 was 47 days. This is -15% shorter than the same period one year ago.

    Pottsville's median square footage for active listings during the 2024-03-01 period was 1,512 sqft. One year prior, the average listing was 1,656 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.