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% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

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

    The average rate for the prior week (2025-02-07) was 6.53% and one month ago for the week of 2025-01-10, the average rate was 6.77%.

    The average rate one year ago was 6.49%.

    For refis of the same type during the week of 2025-02-14, the average rate was 7.69%.

    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 $73,550 (-3.2%) $127,878 (4.3%) 0.27 509
    2018-02-01 $74,950 (-3.7%) $130,643 (6.0%) 0.27 523
    2018-03-01 $79,900 (0.9%) $133,339 (-2.7%) 0.28 478
    2018-04-01 $75,000 (-6.1%) $136,170 (-3.7%) 0.25 486
    2018-05-01 $77,800 (0.5%) $137,026 (-1.1%) 0.26 486
    2018-06-01 $75,000 (-2.7%) $136,971 (3.9%) 0.25 518
    2018-07-01 $77,200 (-2.3%) $138,098 (7.7%) 0.26 522
    2018-08-01 $75,000 (0.0%) $136,738 (9.3%) 0.25 521
    2018-09-01 $77,900 (11.4%) $139,481 (12.2%) 0.26 545
    2018-10-01 $77,400 (7.6%) $139,496 (10.3%) 0.26 547
    2018-11-01 $78,888 (12.8%) $138,029 (11.0%) 0.27 525
    2018-12-01 $77,500 (10.9%) $136,818 (9.3%) 0.27 487
    2019-01-01 $80,000 (8.8%) $138,580 (8.4%) 0.28 448
    2019-02-01 $75,000 (0.1%) $137,365 (5.2%) 0.26 426
    2019-03-01 $77,143 (-3.5%) $143,765 (7.8%) 0.25 428
    2019-04-01 $79,643 (6.2%) $151,479 (11.2%) 0.25 451
    2019-05-01 $79,950 (2.8%) $151,689 (10.7%) 0.25 470
    2019-06-01 $84,900 (13.2%) $150,345 (9.8%) 0.26 498
    2019-07-01 $84,950 (10.0%) $154,570 (11.9%) 0.27 511
    2019-08-01 $88,327 (17.8%) $160,138 (17.1%) 0.28 482
    2019-09-01 $93,768 (20.4%) $168,478 (20.8%) 0.30 444
    2019-10-01 $97,475 (25.9%) $175,671 (25.9%) 0.32 409
    2019-11-01 $99,900 (26.6%) $174,263 (26.3%) 0.33 369
    2019-12-01 $104,675 (35.1%) $167,084 (22.1%) 0.35 357
    2020-01-01 $109,900 (37.4%) $164,982 (19.1%) 0.37 311
    2020-02-01 $102,450 (36.6%) $162,025 (18.0%) 0.36 276
    2020-03-01 $120,113 (55.7%) $166,756 (16.0%) 0.38 267
    2020-04-01 $115,450 (45.0%) $169,730 (12.1%) 0.36 242
    2020-05-01 $117,900 (47.5%) $171,842 (13.3%) 0.36 251
    2020-06-01 $113,700 (33.9%) $183,429 (22.0%) 0.34 240
    2020-07-01 $113,325 (33.4%) $188,793 (22.1%) 0.33 212
    2020-08-01 $119,900 (35.8%) $194,270 (21.3%) 0.34 185
    2020-09-01 $117,425 (25.2%) $209,713 (24.5%) 0.34 176
    2020-10-01 $129,950 (33.3%) $226,730 (29.1%) 0.37 176
    2020-11-01 $124,500 (24.6%) $238,020 (36.6%) 0.37 173
    2020-12-01 $119,950 (14.6%) $245,447 (46.9%) 0.36 159
    2021-01-01 $118,000 (7.4%) $247,040 (49.7%) 0.35 143
    2021-02-01 $118,000 (15.2%) $239,400 (47.8%) 0.34 104
    2021-03-01 $117,225 (-2.4%) $235,375 (41.2%) 0.33 99
    2021-04-01 $132,000 (14.3%) $269,890 (59.0%) 0.36 92
    2021-05-01 $131,950 (11.9%) $265,695 (54.6%) 0.35 92
    2021-06-01 $102,500 (-9.9%) $219,289 (19.6%) 0.27 158
    2021-07-01 $117,450 (3.6%) $213,856 (13.3%) 0.31 169
    2021-08-01 $119,950 (0.0%) $181,695 (-6.5%) 0.32 181
    2021-09-01 $118,075 (0.6%) $176,652 (-15.8%) 0.32 186
    2021-10-01 $102,000 (-21.5%) $178,278 (-21.4%) 0.27 179
    2021-11-01 $95,975 (-22.9%) $166,942 (-29.9%) 0.26 184
    2021-12-01 $107,975 (-10.0%) $169,846 (-30.8%) 0.29 181
    2022-01-01 $99,500 (-15.7%) $163,962 (-33.6%) 0.27 165
    2022-02-01 $102,425 (-13.2%) $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 (10.1%) $180,435 (2.1%) 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 $124,950 (-7.4%) $187,343 (3.0%) 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
    2024-04-01 $147,925 (21.8%) $207,128 (10.1%) 0.34 193
    2024-05-01 $149,950 (20.0%) $210,390 (11.7%) 0.34 203
    2024-06-01 $150,000 (30.4%) $214,126 (17.8%) 0.34 219
    2024-07-01 $169,450 (35.6%) $234,908 (20.2%) 0.39 273
    2024-08-01 $169,000 (35.3%) $241,784 (29.1%) 0.39 290
    2024-09-01 $159,900 (33.3%) $236,965 (29.1%) 0.38 325
    2024-10-01 $166,975 (39.2%) $241,148 (32.7%) 0.39 314
    2024-11-01 $160,000 (29.4%) $232,230 (24.5%) 0.38 330
    2024-12-01 $154,950 (20.1%) $227,965 (22.3%) 0.39 312
    2025-01-01 $149,925 (9.0%) $223,789 (18.5%) 0.00 275
    Pottsville's median listing price for 2025-01-01 was $149,925, a difference of $12,425 (9.0%) versus the prior year and $-5,025 versus the prior month.

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

    Pottsville's average listing price for 2025-01-01 was $223,789, a difference of $35,003 (18.5%) versus the prior year and $-4,176 versus the prior month.

    For the 2025-01-01 period, Pottsville had 275 MLS listings, a difference of -37 listings (-12%) versus the prior month and 60 listings (28%) 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 1,551 sqft
    2018-02-01 106 days 1,579 sqft
    2018-03-01 101 days 1,600 sqft
    2018-04-01 90 days 1,584 sqft
    2018-05-01 82 days 1,586 sqft
    2018-06-01 65 days 1,657 sqft
    2018-07-01 64 days 1,631 sqft
    2018-08-01 70 days 1,627 sqft
    2018-09-01 74 days 1,636 sqft
    2018-10-01 76 days 1,652 sqft
    2018-11-01 80 days 1,630 sqft
    2018-12-01 93 days 1,657 sqft
    2019-01-01 101 days 1,662 sqft
    2019-02-01 104 days 1,655 sqft
    2019-03-01 90 days 1,658 sqft
    2019-04-01 67 days 1,665 sqft
    2019-05-01 61 days 1,668 sqft
    2019-06-01 68 days 1,668 sqft
    2019-07-01 71 days 1,694 sqft
    2019-08-01 70 days 1,694 sqft
    2019-09-01 67 days 1,692 sqft
    2019-10-01 66 days 1,690 sqft
    2019-11-01 67 days 1,713 sqft
    2019-12-01 83 days 1,701 sqft
    2020-01-01 90 days 1,690 sqft
    2020-02-01 101 days 1,694 sqft
    2020-03-01 71 days 1,800 sqft
    2020-04-01 78 days 1,808 sqft
    2020-05-01 80 days 1,819 sqft
    2020-06-01 53 days 1,758 sqft
    2020-07-01 42 days 1,739 sqft
    2020-08-01 51 days 1,715 sqft
    2020-09-01 40 days 1,656 sqft
    2020-10-01 44 days 1,744 sqft
    2020-11-01 47 days 1,650 sqft
    2020-12-01 61 days 1,614 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 1,620 sqft
    2021-05-01 24 days 1,608 sqft
    2021-06-01 18 days 1,628 sqft
    2021-07-01 25 days 1,620 sqft
    2021-08-01 29 days 1,623 sqft
    2021-09-01 36 days 1,592 sqft
    2021-10-01 43 days 1,572 sqft
    2021-11-01 39 days 1,508 sqft
    2021-12-01 44 days 1,521 sqft
    2022-01-01 48 days 1,538 sqft
    2022-02-01 48 days 1,534 sqft
    2022-03-01 47 days 1,586 sqft
    2022-04-01 41 days 1,600 sqft
    2022-05-01 33 days 1,690 sqft
    2022-06-01 29 days 1,675 sqft
    2022-07-01 30 days 1,680 sqft
    2022-08-01 40 days 1,642 sqft
    2022-09-01 45 days 1,681 sqft
    2022-10-01 49 days 1,650 sqft
    2022-11-01 55 days 1,684 sqft
    2022-12-01 65 days 1,682 sqft
    2023-01-01 67 days 1,669 sqft
    2023-02-01 63 days 1,672 sqft
    2023-03-01 55 days 1,662 sqft
    2023-04-01 45 days 1,600 sqft
    2023-05-01 32 days 1,578 sqft
    2023-06-01 33 days 1,546 sqft
    2023-07-01 41 days 1,557 sqft
    2023-08-01 38 days 1,488 sqft
    2023-09-01 38 days 1,502 sqft
    2023-10-01 40 days 1,577 sqft
    2023-11-01 46 days 1,532 sqft
    2023-12-01 58 days 1,567 sqft
    2024-01-01 62 days 1,486 sqft
    2024-02-01 61 days 1,439 sqft
    2024-03-01 47 days 1,500 sqft
    2024-04-01 40 days 1,579 sqft
    2024-05-01 38 days 1,659 sqft
    2024-06-01 33 days 1,675 sqft
    2024-07-01 37 days 1,729 sqft
    2024-08-01 43 days 1,688 sqft
    2024-09-01 45 days 1,675 sqft
    2024-10-01 50 days 1,706 sqft
    2024-11-01 51 days 1,628 sqft
    2024-12-01 64 days 1,599 sqft
    2025-01-01 0 days 1,595 sqft
    Pottsville's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Pottsville's median square footage for active listings during the 2025-01-01 period was 1,595 sqft. One year prior, the average listing was 1,486 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.