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 47 lenders originated 163 VA loans during 2022. The total origination value was $31,815,000, with an average VA loan value of $195,184.

    Pottsville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pottsville averaged 0.21% for the week of 2023-11-24, compared to the national average (all VA variants) of 0% for the same period.

    Pottsville's average VA mortgage closing costs are $5,657.

    The average rate for the prior week (2023-11-17) was 6.96% and one month ago for the week of 2023-10-20, the average rate was 7.59%.

    The average rate one year ago was 6.5%.

    For refis of the same type during the week of 2023-11-24, the average rate was -1.1%.

    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Mortgage Research Center, LLC 43 5.60% $5,655
    QUICKEN LOANS, LLC 13 4.55% $8,565
    PENNYMAC LOAN SERVICES, LLC 10 3.70% $8,165
    FREEDOM MORTGAGE CORPORATION 7 4.55% $14,216
    UNITED WHOLESALE MORTGAGE, LLC 7 5.43% $13,130
    NAVY FEDERAL CREDIT UNION 7 4.48% $6,667
    CROSSCOUNTRY MORTGAGE, LLC 6 4.85% $12,680
    NEW DAY FINANCIAL, LLC 5 4.85% $4,535
    Homesale Mortgage, LLC 5 4.78% $9,277
    Citizens Bank 4 4.78% $8,058
    USAA Federal Savings Bank 4 5.28% $9,910
    Barrington Bank & Trust Company, N.A. 3 4.96% $9,973
    Wells Fargo Bank 2 4.69% $3,912
    Northpointe Bank 2 4.81% $14,785
    LAKEVIEW LOAN SERVICING, LLC 2 2.75% $6,321
    LOANDEPOT.COM, LLC 2 5.31% $6,736
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 3.99% $7,159
    Mr. Cooper ( Nationstar Mortgage ) 2 4.75% $14,056
    NEWREZ LLC 1 3.99% $9,125
    NFM, INC. 1 4.13% $0
    Orrstown Bank 1 5.25% $7,753
    Paramount Bank 1 3.38% $4,365
    PLANET HOME LENDING, LLC 1 4.99% $5,303
    RESIDENTIAL HOME FUNDING CORP. 1 4.25% $9,844
    ROYAL UNITED MORTGAGE LLC 1 6.38% $11,580
    SUCCESS MORTGAGE PARTNERS, INC. 1 4.50% $11,213
    AMERISAVE MORTGAGE CORPORATION 1 5.75% $13,300
    TIDEWATER MORTGAGE SERVICES, INC. 1 4.88% $3,556
    VILLAGE CAPITAL MORTGAGE 1 2.25% $4,295
    The Federal Savings Bank 1 5.25% $27,717
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 4.63% $7,389
    BROKER SOLUTIONS, INC. 1 5.75% $8,354
    CALIBER HOME LOANS, INC. 1 4.75% $20,311
    CHERRY CREEK MORTGAGE, LLC 1 3.63% $3,427
    CLEARPATH LENDING 1 3.88% $9,451
    Equity Prime Mortgage LLC 1 5.63% $17,268
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 4.50% $13,460
    First Commonwealth Bank 1 3.99% $9,125
    Fulton Bank 1 3.13% $4,676
    GUARANTEED RATE AFFINITY, LLC 1 5.13% $8,718
    GUARANTEED RATE, INC. 1 5.50% $12,532
    HOME POINT FINANCIAL CORPORATION 1 2.88% $8,340
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 5.75% $6,793
    MICHIGAN MUTUAL, INC. 1 4.13% $13,265
    Mid-Continent Funding, Inc. 1 5.00% $5,589
    MORTGAGE ACCESS CORP. 1 6.25% $6,561
    Mortgage America, Inc. 1 5.75% $4,359

    The top Pottsville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 43 VA loans originated. Their average total fees are $5,655, which is $2,910 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 ($5,655), PENNYMAC LOAN SERVICES, LLC ($8,165), QUICKEN LOANS, LLC ($8,565), .

    The lowest rate Pottsville VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (3.70%), QUICKEN LOANS, LLC (4.55%), Mortgage Research Center, LLC (5.60%), .

    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 $74,575 (-2.5%) $134,533 (4.9%) 0.28 513
    2018-02-01 $75,450 (-3.5%) $138,065 (7.2%) 0.27 528
    2018-03-01 $79,950 (0.1%) $140,510 (-3.2%) 0.28 482
    2018-04-01 $75,225 (-5.9%) $143,668 (-5.6%) 0.26 491
    2018-05-01 $79,900 (1.7%) $144,469 (-0.4%) 0.27 491
    2018-06-01 $75,000 (-3.2%) $143,664 (3.6%) 0.25 522
    2018-07-01 $78,750 (-0.3%) $144,092 (7.0%) 0.26 526
    2018-08-01 $75,500 (-0.3%) $142,612 (8.0%) 0.25 524
    2018-09-01 $78,000 (8.4%) $143,699 (11.4%) 0.26 547
    2018-10-01 $77,425 (3.9%) $145,384 (8.8%) 0.26 550
    2018-11-01 $80,000 (12.8%) $147,731 (12.5%) 0.27 531
    2018-12-01 $79,900 (14.2%) $147,561 (10.7%) 0.28 493
    2019-01-01 $80,975 (8.6%) $148,411 (10.3%) 0.28 454
    2019-02-01 $79,850 (5.8%) $146,978 (6.5%) 0.27 432
    2019-03-01 $80,529 (0.7%) $155,024 (10.3%) 0.26 435
    2019-04-01 $81,379 (8.2%) $163,582 (13.9%) 0.26 460
    2019-05-01 $80,000 (0.1%) $163,374 (13.1%) 0.25 478
    2019-06-01 $85,000 (13.3%) $161,432 (12.4%) 0.27 506
    2019-07-01 $86,925 (10.4%) $165,227 (14.7%) 0.27 517
    2019-08-01 $88,782 (17.6%) $170,232 (19.4%) 0.28 489
    2019-09-01 $94,530 (21.2%) $179,358 (24.8%) 0.30 451
    2019-10-01 $99,000 (27.9%) $188,438 (29.6%) 0.32 417
    2019-11-01 $103,700 (29.6%) $191,577 (29.7%) 0.34 378
    2019-12-01 $112,450 (40.7%) $185,778 (25.9%) 0.38 367
    2020-01-01 $119,400 (47.5%) $185,704 (25.1%) 0.40 321
    2020-02-01 $109,900 (37.6%) $183,478 (24.8%) 0.36 285
    2020-03-01 $122,825 (52.5%) $188,941 (21.9%) 0.39 276
    2020-04-01 $122,850 (51.0%) $197,763 (20.9%) 0.38 251
    2020-05-01 $125,000 (56.3%) $198,820 (21.7%) 0.38 260
    2020-06-01 $119,900 (41.1%) $202,790 (25.6%) 0.35 248
    2020-07-01 $123,425 (42.0%) $208,501 (26.2%) 0.36 220
    2020-08-01 $125,000 (40.8%) $215,574 (26.6%) 0.36 191
    2020-09-01 $121,575 (28.6%) $234,085 (30.5%) 0.35 182
    2020-10-01 $136,250 (37.6%) $247,828 (31.5%) 0.39 181
    2020-11-01 $129,450 (24.8%) $250,897 (31.0%) 0.38 176
    2020-12-01 $122,250 (8.7%) $254,730 (37.1%) 0.36 161
    2021-01-01 $119,000 (-0.3%) $256,543 (38.2%) 0.36 145
    2021-02-01 $119,000 (8.3%) $247,030 (34.6%) 0.35 105
    2021-03-01 $120,725 (-1.7%) $243,171 (28.7%) 0.34 100
    2021-04-01 $134,250 (9.3%) $277,622 (40.4%) 0.36 93
    2021-05-01 $143,900 (15.1%) $273,350 (37.5%) 0.38 93
    2021-06-01 $104,750 (-12.6%) $224,426 (10.7%) 0.28 159
    2021-07-01 $118,725 (-3.8%) $218,806 (4.9%) 0.31 170
    2021-08-01 $119,999 (-4.0%) $186,170 (-13.6%) 0.32 183
    2021-09-01 $119,100 (-2.0%) $182,692 (-22.0%) 0.32 188
    2021-10-01 $105,000 (-22.9%) $182,646 (-26.3%) 0.28 180
    2021-11-01 $95,975 (-25.9%) $169,203 (-32.6%) 0.26 184
    2021-12-01 $107,975 (-11.7%) $169,846 (-33.3%) 0.29 181
    2022-01-01 $99,500 (-16.4%) $163,962 (-36.1%) 0.27 165
    2022-02-01 $106,475 (-10.5%) $164,011 (-33.6%) 0.28 169
    2022-03-01 $127,200 (5.4%) $167,921 (-31.0%) 0.32 160
    2022-04-01 $129,900 (-3.2%) $170,938 (-38.4%) 0.31 155
    2022-05-01 $136,000 (-5.5%) $174,718 (-36.1%) 0.31 165
    2022-06-01 $137,225 (31.0%) $188,615 (-16.0%) 0.31 205
    2022-07-01 $129,900 (9.4%) $185,723 (-15.1%) 0.29 243
    2022-08-01 $134,925 (12.4%) $181,927 (-2.3%) 0.31 255
    2022-09-01 $129,950 (9.1%) $180,435 (-1.2%) 0.30 240
    2022-10-01 $129,900 (23.7%) $179,792 (-1.6%) 0.31 244
    2022-11-01 $124,400 (29.6%) $180,684 (6.8%) 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 (17.4%) $195,395 (19.1%) 0.30 192
    2023-03-01 $127,225 (0.0%) $197,174 (17.4%) 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 $125,450 (-3.4%) $196,449 (5.8%) 0.29 182
    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
    Pottsville's median listing price for 2023-10-01 was $119,950, a difference of $-9,950 (-7.7%) versus the prior year and $-50 versus the prior month.

    Pottsville's median listing price comes in at 28% of the national average.

    Pottsville's average listing price for 2023-10-01 was $181,789, a difference of $1,997 (1.1%) versus the prior year and $-1,835 versus the prior month.

    For the 2023-10-01 period, Pottsville had 239 MLS listings, a difference of 20 listings (9%) versus the prior month and -5 listings (-2%) 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 1,556 sqft
    2018-02-01 105 days 1,592 sqft
    2018-03-01 99 days 1,604 sqft
    2018-04-01 90 days 1,596 sqft
    2018-05-01 84 days 1,598 sqft
    2018-06-01 65 days 1,666 sqft
    2018-07-01 64 days 1,639 sqft
    2018-08-01 70 days 1,627 sqft
    2018-09-01 74 days 1,627 sqft
    2018-10-01 76 days 1,650 sqft
    2018-11-01 80 days 1,642 sqft
    2018-12-01 92 days 1,664 sqft
    2019-01-01 101 days 1,666 sqft
    2019-02-01 104 days 1,658 sqft
    2019-03-01 90 days 1,663 sqft
    2019-04-01 67 days 1,682 sqft
    2019-05-01 63 days 1,674 sqft
    2019-06-01 68 days 1,680 sqft
    2019-07-01 73 days 1,690 sqft
    2019-08-01 71 days 1,686 sqft
    2019-09-01 68 days 1,690 sqft
    2019-10-01 67 days 1,694 sqft
    2019-11-01 69 days 1,725 sqft
    2019-12-01 87 days 1,710 sqft
    2020-01-01 93 days 1,701 sqft
    2020-02-01 101 days 1,700 sqft
    2020-03-01 74 days 1,799 sqft
    2020-04-01 79 days 1,808 sqft
    2020-05-01 82 days 1,824 sqft
    2020-06-01 55 days 1,772 sqft
    2020-07-01 43 days 1,757 sqft
    2020-08-01 51 days 1,718 sqft
    2020-09-01 41 days 1,703 sqft
    2020-10-01 44 days 1,768 sqft
    2020-11-01 47 days 1,672 sqft
    2020-12-01 61 days 1,640 sqft
    2021-01-01 71 days 1,632 sqft
    2021-02-01 66 days 1,627 sqft
    2021-03-01 52 days 1,578 sqft
    2021-04-01 25 days 1,650 sqft
    2021-05-01 24 days 1,610 sqft
    2021-06-01 18 days 1,632 sqft
    2021-07-01 25 days 1,624 sqft
    2021-08-01 29 days 1,631 sqft
    2021-09-01 36 days 1,610 sqft
    2021-10-01 43 days 1,583 sqft
    2021-11-01 39 days 1,521 sqft
    2021-12-01 44 days 1,532 sqft
    2022-01-01 48 days 1,544 sqft
    2022-02-01 47 days 1,563 sqft
    2022-03-01 47 days 1,596 sqft
    2022-04-01 41 days 1,600 sqft
    2022-05-01 33 days 1,696 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 1,676 sqft
    2022-10-01 49 days 1,638 sqft
    2022-11-01 55 days 1,679 sqft
    2022-12-01 65 days 1,688 sqft
    2023-01-01 67 days 1,673 sqft
    2023-02-01 63 days 1,665 sqft
    2023-03-01 55 days 1,667 sqft
    2023-04-01 45 days 1,588 sqft
    2023-05-01 32 days 1,607 sqft
    2023-06-01 33 days 1,574 sqft
    2023-07-01 41 days 1,600 sqft
    2023-08-01 38 days 1,536 sqft
    2023-09-01 38 days 1,552 sqft
    2023-10-01 40 days 1,614 sqft
    Pottsville's median listing age (time on market) for 2023-10-01 was 40 days. This is -19% shorter than the same period one year ago.

    Pottsville's median square footage for active listings during the 2023-10-01 period was 1,614 sqft. One year prior, the average listing was 1,638 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.